How Much Is Car Insurance in Pennsylvania? (August 2024)

Pennsylvania drivers often look for affordable car insurance. Full coverage policies cost around $1,280 a year, while minimum coverage averages $443 annually. These rates help cover you financially if you’re in an accident.

When you buy car insurance, several factors affect your premium. Your age, the coverage level you choose, where you live in Pennsylvania, your credit history and your driving record can all influence your premium.

Pennsylvania's full coverage car insurance costs around $1,280 per year. Knowing the average cost can guide you when comparing car insurance quotes.

Review these numbers for an idea of what you might pay for auto insurance in Pennsylvania, covering everything from minimum to full coverage policies.

When comparing Pennsylvania average car insurance rates to the national average cost of car insurance, they are fairly close. Full coverage in Pennsylvania averages $1,280 annually ($107 per month) vs. the national average of $1,317 ($110 per month). Minimum coverage in Pennsylvania costs $443 annually ($37 per month), lower than the national average of $607 per year ($51 per month).

Factors influencing Pennsylvania's car insurance rates include state regulations, the local cost of living and the frequency of claims in the state. Pennsylvania's moderate insurance rates may reflect state regulations and a competitive insurance market.

Car insurance premiums can vary significantly from one company to another, even within the same state. In Pennsylvania, Nationwide offers the most affordable full coverage option at around $664 per year, while Dairyland has a steeper average annual premium of $2,852.

Finding the cheapest car insurance in Pennsylvania could result in significant savings, highlighting why you should shop around and consider different providers.

The cost of car insurance in Pennsylvania is also affected by your choice of coverage level. For instance, opting for minimum coverage costs approximately $37 monthly, whereas a full coverage policy with a $1,000 deductible is about $107 monthly. Despite the higher cost, full coverage insurance is often recommended for its comprehensive protection against various incidents.

Adding comprehensive and collision coverages increases your premium, but higher deductibles can make this more affordable. The deductible is the amount you'll pay out-of-pocket for each comprehensive and collision claim.

Pennsylvania's minimum car insurance requirements include $15,000 for bodily injury per person, $30,000 for bodily injury per accident, $5,000 for property damage and $5,000 for medical payments. Uninsured and underinsured motorist coverages are not mandated.

Your location within Pennsylvania could influence your car insurance premiums. Allentown has the cheapest full coverage at around $1,073 per year, while Philadelphia has the priciest at approximately $1,868 per year.

Different factors in Pennsylvania can affect car insurance rates. These include your driving history, vehicle type, credit score, age and marital status.

Age does impact car insurance costs in Pennsylvania. Drivers aged 22 to 29 typically face the highest premiums at an average annual cost of $1,576, reflecting insurers' risk calculations tied to experience and accident statistics. As drivers mature, premiums decrease, with those aged 60 and above enjoying the lowest average annual cost of $1,156.

In Pennsylvania, age and gender are factors that insurers consider when determining car insurance rates. The highest premiums are for 16-year-olds. Adding a 16-year-old male to a family car insurance policy costs an average of $2,589 annually.

It's typically against the law for anyone under 18 to purchase a policy without a guardian. Should a 16-year-old male opt for an individual policy, the price rises to $4,775 yearly.

The average annual cost of full coverage car insurance for a 2012 car model is $1,108, while the same coverage for a 2022 model costs more at around $1,381 per year. The increased premium reflects the higher actual cash value of newer models, along with more expensive repair costs and a greater risk of theft. Drivers of newer car models should select comprehensive and collision coverage, as this plan affords financial protection against a wider range of incidents, including theft, vandalism and natural disasters.

The average cost of car insurance in Pennsylvania can significantly vary depending on your driving record.

• With a ticket: $1,557 per year; $130 per month
• With an at-fault accident: $1,809 per year; $151 per month
• With a DUI: $2,139 per year; $178 per month

The more severe a driving violation, the more you may pay for your car insurance. Violations stay on your record and can impact your premiums until they are cleared. For instance, in Pennsylvania, a DUI look-back period of up to 10 years.

To find the most affordable plan for you, explore the table by coverage and age group for each driving record in Pennsylvania.

In Pennsylvania, your credit score could substantially impact the cost of your car insurance, ranging from an average monthly premium of $77 for those with excellent credit (800 to 850) to $162 for drivers with poor scores (390 to 579). Your credit score is a measure of your financial responsibility, and in Pennsylvania, insurers use it to gauge risk when setting rates.

Explore the factors influencing your car insurance rates in Pennsylvania to ensure you find the most affordable plan that meets your needs.

• Age and Driving Experience: Younger drivers and those with less experience often face higher car insurance rates due to a perceived higher risk of accidents.

• Driving Record: A clean driving record can lead to lower insurance premiums, while accidents, DUIs and traffic violations typically increase rates.

• Credit Score: In Pennsylvania, insurers may use your credit score to determine risk, which can affect the cost of your car insurance.

• Vehicle Type: The make, model, and age of your vehicle impact your rates, with higher-value vehicles generally incurring higher insurance costs.

• Coverage Level: Opting for minimum coverage can lower your monthly cost, but adding collision insurance or comprehensive insurance offers more protection at a higher rate.

• Location Within Pennsylvania: Urban areas with higher traffic density and theft rates can lead to increased insurance premiums compared to rural areas.

• Annual Mileage: Driving fewer miles can lower your insurance rates, as less time on the road means a reduced likelihood of filing a claim.

• Discounts: Many insurers offer discounts for safe driving, multiple vehicles and security features, which can reduce the overall cost of your insurance.

Understanding these factors will help you find affordable insurance options that meet Pennsylvania's state minimum requirements.

To secure affordable car insurance in Pennsylvania, compare quotes from various insurers, opt for a higher deductible and leverage all eligible discounts to minimize premiums.

Find answers about car insurance in Pennsylvania to help you make informed decisions.