How Much Is Car Insurance in Pennsylvania? (2023)

Your annual car insurance expenses can vary based on many factors, including age, chosen insurance provider, number of drivers, coverage levels, driving record and credit history.

You will pay an average of $1,251 annually if you buy full coverage car insurance as a driver in your 20s. For senior drivers, the same policy costs around $918 yearly. Travelers offers the cheapest average policies for young drivers, while Nationwide is the most affordable full coverage provider for middle-aged adults.

MoneyGeek found that the average cost of car insurance in Pennsylvania is $1,014 per year for a full coverage policy for a driver with a clean record. Your driving history and your coverage levels significantly affect your car insurance rates.

Drivers with a speeding ticket pay an average yearly rate of $1,259, while drivers at fault for an accident pay $1,454. A DUI in Pennsylvania will severely increase your costs, with these drivers spending an average of $1,760 yearly for full coverage.

Car insurance in Pennsylvania is moderately priced, as its average full coverage rate is $1,014 per year — slightly less than the national average of $1,054.

Many factors can contribute to moderate car insurance rates, such as lower urban population density, cheaper insurance providers, lower traffic density and lower vehicle theft rates. If your rates in Pennslyvania are more expensive than average, it may be due to your age and driving history.

The average cost of car insurance in Pennsylvania can be misguiding, as each insurance provider charges different rates. Erie offers the cheapest liability-only insurance at an average price of $238 annually ($685 per year for full coverage). Dairyland’s policies are the most expensive, costing an average of $951 annually ($2,345 annually for full coverage).

Finding cheap full coverage car insurance might be challenging, but you can still find affordable car insurance by shopping around.

MoneyGeek analyzed the average cost of car insurance in Pennsylvania and found that rates can range from $380 annually for a state-minimum policy to $1,188 per year for a policy with the highest coverage level. Your insurance expenses typically increase with your liability limits.

You will generally pay more money if you buy comprehensive and collision insurance, also known as a full coverage policy. In that case, consider increasing your deductible to save on premiums.

Minimum coverage car insurance is the most affordable type of car insurance that you can buy in Pennsylvania. However, these policies don’t include comprehensive and collision insurance and offer only the lowest-possible liability limits.

Your insurer might offer increased liability limits shortened to 50/100/50 or 100/300/100. For example, a 50/100/50 policy would have the following coverage limits:

• $50,000 in bodily injury liability insurance per person
• $100,000 in bodily injury liability insurance per accident
• $50,000 in property damage liability insurance per accident

Insurers typically offer a maximum liability limit of 300/500/300. Liability coverage only pays for damages or injuries to others, while full coverage car insurance with comprehensive and collision insurance protects you and your vehicle from damages.

Insurance companies generally consider your age when giving you a quote, but it’s particularly significant for young or inexperienced drivers looking for car insurance. The following full coverage rates are the average car insurance costs paid by different age groups in Pennsylvania:

• 22–29: $1,251 per year
• 30–59: $1,014 per year
• 60+: $918 per year

Policy costs do not change much for drivers in their 30s to 60s, but you will generally pay slightly lower rates when you’re in your 60s and beyond. Insurers charge significantly more to insure drivers in their teens and 20s. Older drivers just beginning to drive may pay similar rates to younger drivers due to their lack of experience.

Pennsylvania insurance providers offer car insurance to teen drivers at relatively expensive rates. A full coverage policy on a family plan for a 16-year-old driver costs an average of $2,589 annually, whereas the same driver pays $4,775 yearly for an individual plan.

However, your rates tend to decrease as you age. The average annual cost of a 19-year-old driver on a family plan is $1,939, while the same policy is $1,688 for a 22-year-old driver.

Insurers generally charge more to insure males in other states, but Pennslyvania banned rating insurance by gender. MoneyGeek recommends comparing quotes to find cheap car insurance for teen drivers in Pennsylvania.

Drivers in Pennsylvania pay an average rate of $1,381 per year if they have a new car compared to $1,108 for an older vehicle — that’s a 25% difference in full coverage premiums.

New vehicles are more expensive to insure because they generally have a higher actual cash value (ACV), which is related to how much an insurer will pay in case of total loss. Other reasons for expensive policies for new cars include higher repair costs and theft risk.

As a new car owner, purchasing full coverage car insurance is the best choice as it protects your vehicle from damages, unlike liability-only insurance.

Your history of driving violations can significantly impact how much you pay for car insurance. The average rates that insurers will charge based on your driving history are as follows:

• Clean record: $1,014 per year
• Speeding ticket: $1,259 per year
• At-fault accident: $1,454 per year
• DUI: $1,760 per year

Severe violations like a DUI can cause insurers to increase your rates significantly. Some insurers will penalize you differently depending on your driving record, so you should shop to find the providers offering the cheapest car insurance for drivers with poor records.

Your credit history plays an essential role in your car insurance expenses. Drivers with poor credit scores pay an average of $1,948 annually, while those with excellent credit scores pay only $921 annually.

You will pay the following average rates based on your credit history:

• Excellent: $921 per year
• Good: $1,109 per year
• Fair: $1,334 per year
• Below fair: $1,596 per year
• Poor: $1,948 per year

Insurers penalize drivers with poor credit scores differently, making it essential to compare quotes and find the most affordable car insurance for drivers with poor credit.

Your location plays a considerable role in determining car insurance rates. MoneyGeek found that Pennsylvania residents will find the most expensive average car insurance rates in Philadelphia ($1,868 per year for full coverage). The cheapest city for car insurance in Pennsylvania is Allentown ($1,073 per year for full coverage).

Insurers likely charge more expensive rates in Philadelphia because of the population density and higher car theft rates.

The following frequently asked questions and our responses will help you understand important details about your car insurance rates in Pennsylvania. Your costs may vary depending on your location and driving profile.