How Much Is Car Insurance in Pennsylvania? (2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byRae Osborn
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Updated: May 28, 2024

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Pennsylvania drivers often look for affordable car insurance. On average, full coverage policies cost around $1,261 a year, while minimum coverage averages $450 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.

Why Trust MoneyGeek? MoneyGeek analyzed Pennsylvania auto insurance rates using data and information from the Pennsylvania Department of Insurance and Quadrant Information Services.

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These rates reflect the average cost of car insurance in Pennsylvania as of 2024.

49,001Quotes Analyzed
 
13Companies Compared
 
62ZIP Codes

Average Car Insurance Costs in Pennsylvania

Pennsylvania's average annual full coverage car insurance is around $1,261. Knowing the average cost can guide you when comparing car insurance quotes. Check out these numbers for an idea of what you might pay for auto insurance in Pennsylvania, covering everything from minimum coverage to full protection plans.

100/300/100 Full Cov. w/$1,000 Ded.Average Annual Premium$1,261Average Monthly Premium$105
100/300/100 Liability OnlyAverage Annual Premium$626Average Monthly Premium$52
State Minimum Liability OnlyAverage Annual Premium$450Average Monthly Premium$37

Why Are Car Insurance Rates Moderate in Pennsylvania?

When comparing Pennsylvania to the national average cost of car insurance, we see it is fairly close, with full coverage averaging $1,261 annually versus the national average of $1,244. For minimum coverage, Pennsylvania is priced at $450 annually, lower than the national average of $573.

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 the state regulations and a competitive insurance market.

Average Car Insurance Costs in Pennsylvania by Company

Car insurance premiums can vary significantly from one company to another, even within the same state. In Pennsylvania, for instance, Nationwide offers some of the most affordable full coverage options at an annual premium of $664, while Dairyland presents a steeper average annual premium of $2,499.

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

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
NationwideAnnual Premium$664Monthly Premium$55
TravelersAnnual Premium$739Monthly Premium$62
Auto-Owners Insurance CoAnnual Premium$748Monthly Premium$62
American National P&CAnnual Premium$823Monthly Premium$69
ErieAnnual Premium$870Monthly Premium$72
WestfieldAnnual Premium$1,084Monthly Premium$90
AllstateAnnual Premium$1,087Monthly Premium$91
State FarmAnnual Premium$1,128Monthly Premium$94
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Average Car Insurance Costs in Pennsylvania by Coverage Level

The cost of car insurance in Pennsylvania is influenced by the level of coverage you select. A typical driver might pay around $37 for minimum coverage, whereas full coverage can cost around $105 monthly. Obtaining full coverage is advisable as it extends protection significantly, safeguarding against a wide range of incidents.

Incorporating comprehensive and collision coverage elevates premiums; however, electing higher deductibles can mitigate this increase. The deductible is the out-of-pocket expense for each comprehensive or collision event.

State Minimum Liability OnlyAverage Annual Premium$450Average Monthly Premium$37
100/300/100 Liability OnlyAverage Annual Premium$626Average Monthly Premium$52
300/500/300 Liability OnlyAverage Annual Premium$670Average Monthly Premium$56
State Minimum Liability w/ Full Cov. w/$1,500 Ded.Average Annual Premium$1,007Average Monthly Premium$84
State Minimum Liability w/ Full Cov. w/$1,000 Ded.Average Annual Premium$1,083Average Monthly Premium$90
100/300/100 Full Cov. w/$1,500 Ded.Average Annual Premium$1,185Average Monthly Premium$99
300/500/300 Full Cov. w/$1,500 Ded.Average Annual Premium$1,229Average Monthly Premium$102
State Minimum Liability w/ Full Cov. w/$500 Ded.Average Annual Premium$1,243Average Monthly Premium$104

Minimum Car Insurance Requirements in Pennsylvania

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 coverage is not mandated.

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    $15,000 for bodily injury liability per person

    In Pennsylvania, each driver must have a minimum of $15,000 in bodily injury liability coverage for injuries to one person in an accident.

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    $30,000 for bodily injury liability per accident

    State minimum coverage in Pennsylvania requires $30,000 for bodily injury liability, covering all persons injured in a single accident.

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    $5,000 for property damage liability per accident

    Drivers in Pennsylvania are required to carry at least $5,000 in property damage liability coverage for damages caused in an accident.

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    $5,000 in medical payments coverage

    Pennsylvania mandates a minimum of $5,000 in medical payments coverage to pay for medical expenses incurred by you or your passengers after an accident.

Average Car Insurance Costs in Pennsylvania by City

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

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

AllentownFull Coverage Annual Premium$1,073Minimum Coverage Annual Premium$437
PhiladelphiaFull Coverage Annual Premium$1,868Minimum Coverage Annual Premium$772
PittsburghFull Coverage Annual Premium$1,093Minimum Coverage Annual Premium$423

Average Car Insurance Costs in Pennsylvania by Age

Age does impact car insurance costs in Pennsylvania. Drivers aged 22 to 29 typically face the highest premiums, reflecting insurers' risk calculations tied to experience and accident statistics. As drivers mature, premiums decrease.

Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
22-29Average Annual Premium$1,554Average Monthly Premium$129
30-59Average Annual Premium$1,261Average Monthly Premium$105
60 +Average Annual Premium$1,141Average Monthly Premium$95

Average Car Insurance Costs in Pennsylvania for Teens

In Pennsylvania, both 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.

Data filtered by:Results filtered by:
Gender:
Gender:Male
16Added to Family Policy Premium$2,589Individual Premium$4,775
17Added to Family Policy Premium$2,542Individual Premium$3,962
18Added to Family Policy Premium$2,154Individual Premium$3,328
19Added to Family Policy Premium$1,939Individual Premium$2,579
20Added to Family Policy Premium$1,977Individual Premium$2,313
21Added to Family Policy Premium$1,639Individual Premium$1,893
22Added to Family Policy Premium$1,688Individual Premium$1,713
23Added to Family Policy Premium$1,752Individual Premium$1,571

Average Car Insurance Costs in Pennsylvania for New Cars

The average annual cost of full coverage car insurance for a 2012 car model stands at $1,108, while the same coverage for a 2022 model climbs to $1,381. 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.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
2012 VehicleAnnual Premium$1,108Monthly Premium$92
2022 VehicleAnnual Premium$1,381Monthly Premium$115
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ACTUAL CASH VALUE

The actual cash value (ACV) of your vehicle is the amount your insurance company will consider when settling a comprehensive or collision claim. This reflects your vehicle's market value, accounting for depreciation, and affects the payout you receive for repairs or replacement.

Average Car Insurance Costs in Pennsylvania by Driving Record

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

  • With a ticket: $1,549 per year; $129 per month
  • With an at-fault accident: $1,794 per year; $150 per month
  • With a DUI: $2,158 per year; $180 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. Pennsylvania, for instance, has a DUI look-back period of 10 years.

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

Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
Age Group:
Age Group:30-59
CleanAverage Annual Premium$1,261Average Monthly Premium$105
TicketAverage Annual Premium$1,549Average Monthly Premium$129
At-fault AccidentAverage Annual Premium$1,794Average Monthly Premium$150
DUIAverage Annual Premium$2,158Average Monthly Premium$180

Average Car Insurance Costs in Pennsylvania by Credit Score

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 (score 800 to 850) to $162 for drivers with poor scores (score 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.

Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 w/ $1000 Deductible
Age Group:
Age Group:30-59
ExcellentAnnual Premium$921Monthly Premium$77
GoodAnnual Premium$1,109Monthly Premium$92
FairAnnual Premium$1,334Monthly Premium$111
Below FairAnnual Premium$1,596Monthly Premium$133
PoorAnnual Premium$1,948Monthly Premium$162
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Factors Affecting Car Insurance Rates in Pennsylvania

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, affecting 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.

How to Save Money on Car Insurance in Pennsylvania

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.

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    Shop around for car insurance rates

    Comparing rates from different insurers can lead to finding the cheapest car insurance in Pennsylvania. Providers may offer varying rates for similar coverage.

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    Maintain a clean driving record

    A clean driving record can significantly reduce your car insurance rates. Avoid violations and accidents to maintain lower premiums.

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    Increase your deductibles

    Opting for higher deductibles can lower your premiums. Ensure the deductible is affordable in case you need to file a claim.

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    Bundle policies

    Bundling car insurance with other policies like homeowners or renters insurance can lead to discounts and more affordable overall costs.

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    Seek discounts

    Many insurers offer discounts for things like safe driving, good grades for students, or having anti-theft devices installed in your vehicle.

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    Choose the right vehicle

    Insurance costs can vary based on car model. Choose a vehicle with a good safety record and lower insurance rates to save money.

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    Review coverage annually

    Regularly review and adjust your coverage to fit your current needs. Over time, you may find that you can lower your coverage and save money.

FAQ: Car Insurance Costs in Pennsylvania

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

What are the minimum car insurance requirements in Pennsylvania?
What is the average cost of full coverage and minimum coverage auto insurance in Pennsylvania?
What is the average cost of car insurance for a 22-year-old in Pennsylvania?
What are the cheapest car insurance companies in Pennsylvania?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.