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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.

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2023

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Average Car Insurance Costs in Pennsylvania (2023)

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.

Driving Record
Annual Premium
Monthly Premium

Clean

$362

$30

Clean

$380

$32

Clean

$456

$38

Ticket

$462

$39

Ticket

$477

$40

At-Fault Accident

$547

$46

At-Fault Accident

$552

$46

Ticket

$558

$47

At-Fault Accident

$640

$53

DUI

$671

$56

DUI

$686

$57

DUI

$798

$67

Clean

$918

$76

Clean

$1,014

$85

Ticket

$1,165

$97

Clean

$1,251

$104

Ticket

$1,259

$105

At-Fault Accident

$1,381

$115

At-Fault Accident

$1,454

$121

Ticket

$1,523

$127

DUI

$1,658

$138

At-Fault Accident

$1,733

$144

DUI

$1,760

$147

DUI

$2,096

$175

Why Are Car Insurance Rates Moderate in Pennsylvania?

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.

Average Car Insurance Costs in Pennsylvania by Company

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.

Company
Annual Premium
Monthly Premium

Erie

$238

$20

Erie

$242

$20

State Farm

$254

$21

Westfield

$264

$22

Westfield

$267

$22

Travelers

$272

$23

State Farm

$274

$23

Travelers

$275

$23

Auto-Owners Insurance Co

$280

$23

Auto-Owners Insurance Co

$281

$23

Travelers

$286

$24

American National P&C

$292

$24

Nationwide

$293

$24

Erie

$296

$25

Chubb

$302

$25

American National P&C

$310

$26

Auto-Owners Insurance Co

$318

$26

Nationwide

$321

$27

State Farm

$323

$27

American National P&C

$329

$27

Westfield

$350

$29

Chubb

$376

$31

Nationwide

$396

$33

Allstate

$397

$33

Allstate

$435

$36

GEICO

$437

$36

GEICO

$444

$37

Progressive

$470

$39

Progressive

$473

$39

Nationwide

$508

$42

Allstate

$524

$44

GEICO

$525

$44

Chubb

$530

$44

Progressive

$544

$45

Travelers

$570

$48

Nationwide

$580

$48

Travelers

$631

$53

Auto-Owners Insurance Co

$646

$54

State Farm

$668

$56

Travelers

$672

$56

Auto-Owners Insurance Co

$680

$57

Erie

$685

$57

American National P&C

$699

$58

Erie

$700

$58

Nationwide

$708

$59

Allstate

$726

$60

State Farm

$731

$61

American National P&C

$737

$61

Auto-Owners Insurance Co

$798

$67

Westfield

$813

$68

Erie

$857

$71

Dairyland

$858

$71

Allstate

$859

$72

State Farm

$859

$72

American National P&C

$872

$73

Westfield

$891

$74

Dairyland

$951

$79

Chubb

$1,005

$84

Allstate

$1,035

$86

Dairyland

$1,130

$94

Westfield

$1,172

$98

Chubb

$1,252

$104

GEICO

$1,305

$109

Progressive

$1,407

$117

GEICO

$1,410

$117

Progressive

$1,481

$123

Chubb

$1,677

$140

GEICO

$1,684

$140

Progressive

$1,882

$157

Dairyland

$2,050

$171

Dairyland

$2,345

$195

Dairyland

$2,912

$243

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MONEYGEEK’S PENNSYLVANIA CAR INSURANCE CALCULATOR

The coverage limits of your policy significantly impact how much you pay for car insurance, but factors like your age and driving history also matter. Use MoneyGeek’s Pennsylvania car insurance calculator to estimate how much you will spend on car insurance.

Average Car Insurance Costs in Pennsylvania by Coverage Level

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.

Average annual car insurance rates by coverage tier

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.

Average Car Insurance Costs in Pennsylvania by Age

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.

Age
Annual Premium
Monthly Premium

22-29

$1,251

$104

22-29

$456

$38

30-59

$1,014

$85

30-59

$380

$32

60 +

$362

$30

60 +

$918

$76

Average Car Insurance Costs in Pennsylvania for Teens

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.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$2,589

$216

$4,775

$398

16

$2,589

$216

$4,775

$398

17

$2,542

$212

$3,962

$330

17

$2,542

$212

$3,962

$330

18

$2,154

$180

$3,328

$277

18

$2,154

$180

$3,328

$277

19

$1,939

$162

$2,579

$215

19

$1,939

$162

$2,579

$215

20

$1,977

$165

$2,313

$193

20

$1,977

$165

$2,313

$193

21

$1,639

$137

$1,893

$158

21

$1,639

$137

$1,893

$158

22

$1,688

$141

$1,713

$143

22

$1,688

$141

$1,713

$143

23

$1,752

$146

$1,571

$131

23

$1,752

$146

$1,571

$131

24

$1,632

$136

$1,463

$122

24

$1,632

$136

$1,463

$122

25

$1,455

$121

$1,303

$109

25

$1,455

$121

$1,303

$109

Average Car Insurance Costs in Pennsylvania for New Cars vs. Older Cars

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.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$362

$30

2022 Vehicle

$388

$32

2012 Vehicle

$397

$33

2012 Vehicle

$425

$35

2022 Vehicle

$467

$39

2012 Vehicle

$508

$42

2012 Vehicle

$987

$82

2012 Vehicle

$1,108

$92

2022 Vehicle

$1,215

$101

2012 Vehicle

$1,359

$113

2022 Vehicle

$1,381

$115

2022 Vehicle

$1,712

$143

Average Car Insurance Costs in Pennsylvania by Driving Record

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.

Driving Record
Annual Premium
Monthly Premium

Clean

$362

$30

Clean

$380

$32

Clean

$456

$38

Ticket

$462

$39

Ticket

$477

$40

At-Fault Accident

$547

$46

At-Fault Accident

$552

$46

Ticket

$558

$47

At-Fault Accident

$640

$53

DUI

$671

$56

DUI

$686

$57

DUI

$798

$67

Clean

$918

$76

Clean

$1,014

$85

Ticket

$1,165

$97

Clean

$1,251

$104

Ticket

$1,259

$105

At-Fault Accident

$1,381

$115

At-Fault Accident

$1,454

$121

Ticket

$1,523

$127

DUI

$1,658

$138

At-Fault Accident

$1,733

$144

DUI

$1,760

$147

DUI

$2,096

$175

Average Car Insurance Costs in Pennsylvania by Credit Score

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.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$365

$30

Excellent

$375

$31

Good

$439

$37

Excellent

$439

$37

Good

$452

$38

Good

$525

$44

Fair

$532

$44

Fair

$549

$46

Fair

$633

$53

Below Fair

$640

$53

Below Fair

$661

$55

Below Fair

$756

$63

Poor

$779

$65

Poor

$805

$67

Excellent

$856

$71

Excellent

$861

$72

Excellent

$883

$74

Poor

$914

$76

Excellent

$921

$77

Excellent

$943

$79

Excellent

$944

$79

Good

$1,032

$86

Good

$1,036

$86

Good

$1,064

$89

Good

$1,109

$92

Excellent

$1,122

$94

Good

$1,135

$95

Good

$1,136

$95

Excellent

$1,150

$96

Excellent

$1,150

$96

Fair

$1,239

$103

Fair

$1,245

$104

Fair

$1,276

$106

Fair

$1,334

$111

Good

$1,349

$112

Fair

$1,363

$114

Fair

$1,365

$114

Good

$1,381

$115

Good

$1,383

$115

Below Fair

$1,482

$123

Below Fair

$1,486

$124

Below Fair

$1,523

$127

Below Fair

$1,596

$133

Fair

$1,615

$135

Below Fair

$1,627

$136

Below Fair

$1,628

$136

Fair

$1,652

$138

Fair

$1,653

$138

Poor

$1,789

$149

Poor

$1,810

$151

Poor

$1,868

$156

Below Fair

$1,921

$160

Poor

$1,948

$162

Below Fair

$1,961

$163

Poor

$1,962

$164

Below Fair

$1,962

$164

Poor

$1,995

$166

Poor

$2,333

$194

Poor

$2,353

$196

Poor

$2,391

$199

Average Car Insurance Costs in Pennsylvania by City

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.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Allentown

$1,333

$525

Allentown

$1,073

$437

Allentown

$981

$417

Philadelphia

$2,315

$923

Philadelphia

$1,868

$772

Philadelphia

$1,707

$730

Pittsburgh

$1,368

$512

Pittsburgh

$1,093

$423

Pittsburgh

$999

$404

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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FAQ About Car Insurance Costs in Pennsylvania

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.