- The average cost of car insurance in Pennsylvania is $2,327 a year or $194 per month, based on our data analysis.
- Minimum liability coverage in Pennsylvania costs around $928 annually for limits of 15/30/5, while liability-only coverage costs $1,211 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Pennsylvania, costing $1,770 per year.
- In Pennsylvania, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 19%, a DUI raising rates by 76%, and an at-fault accident by up to 48%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Travelers offers the most affordable car insurance at $1,770 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Pennsylvania. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Pennsylvania and how much you need.
How much is car insurance in Pennsylvania?
According to CarInsurance.com data, drivers in Pennsylvania pay about $194 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Pennsylvania based on driver profile:
- Teen drivers in Pennsylvania pay the most — about $497 a month or $5,963 a year.
- Young drivers in their 20s pay an average of $286 monthly or $3,434 annually, for car insurance.
- Senior drivers pay around $190 monthly or $2,284 a year.
- A speeding ticket can increase your rates to $232 monthly or $2,781 annually.
- An at-fault accident increases car insurance rates to $287 a month or $3,449 a year.
- Poor credit drivers usually see their car insurance costs increase to $456 monthly or $5,474 annually.
Average cost of auto insurance in Pennsylvania by coverage level
In Pennsylvania, car insurance rates can differ depending on how much coverage you choose. Drivers in Pennsylvania are required by law to have minimum insurance coverage limits of 15/30/5 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Pennsylvania, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Pennsylvania for different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $77 | $928 |
| Liability Only – 50/100/50 BI/PD | $101 | $1,211 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $194 | $2,327 |
State minimum car insurance in Pennsylvania
Pennsylvania laws mandate that all drivers carry insurance with minimum liability limits of $15,000 for bodily injury liability per person, $30,000 for bodily injury liability per accident and $5,000 for property damage liability.
In Pennsylvania, you can get state minimum car insurance for $928 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Pennsylvania must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Pennsylvania
Liability-only car insurance costs $1,211 in Pennsylvania for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Pennsylvania
In Pennsylvania, you can expect to pay around $2,327 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Pennsylvania
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Pennsylvania have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Pennsylvania
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in Pennsylvania by car model
Pennsylvania car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Pennsylvania.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Pennsylvania
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Pennsylvania drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,285 annually.
Car insurance for drivers aged 16-19 costs $3,678 more annually than Pennsylvania drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,963 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,321 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,285 per year in Pennsylvania.
- For senior drivers: Drivers age 65 and older can expect to pay $2,284 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Pennsylvania
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Pennsylvania, a DUI conviction lead to increased rates and you may see a rate hike of up to 76% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Pennsylvania, be prepared for your car insurance rates to rise by up to 19% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 19% increase
- DUI conviction: 76% increase
- At-fault accident (bodily injury and property damage): 48% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Pennsylvania for high-risk drivers
In Pennsylvania, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Pennsylvania
In Pennsylvania, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Pennsylvania by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Pennsylvania, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $736 | $928 | $1,770 |
| Erie Insurance | $806 | $966 | $2,044 |
| Westfield Insurance | $507 | $884 | $2,401 |
| GEICO | $871 | $1,478 | $2,403 |
| Allstate | $1,359 | $1,629 | $2,484 |
| State Farm | $1,555 | $1,809 | $2,722 |
| Progressive | $1,084 | $1,352 | $2,884 |
| USAA | $536 | $671 | $1,951 |
Car insurance rates by city in Pennsylvania
Philadelphia is Pennsylvania’s most expensive city for car insurance at an average cost of $3,061 annually. York is the state’s least expensive city, with an average car insurance rate of $2,006 annually.
Car insurance costs differ from city to city in Pennsylvania, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Pennsylvania’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Pennsylvania per month?
The average cost of a full-coverage car insurance policy in Pennsylvania costs $194 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $77 |
| Liability Only – 50/100/50 BI/PD | $101 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $194 |
Final thoughts on choosing car insurance in Pennsylvania
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Pennsylvania.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2026.
- USAA. “How credit affects insurance premiums.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Pennsylvania. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 15/30/5.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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