We've outlined essential tips to help you shop for car insurance with confidence and find affordable options.
Car Insurance Calculator Pennsylvania
Updated: April 29, 2025
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Get Pennsylvania Car Insurance Estimates
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$155
High
$114
Average
$64
Low
Rates updated:
May 05, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in Pennsylvania will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in the state can range anywhere from $467 to $3,016 per year depending on a variety of factors.
To get the best deal on Pennsylvania car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Pennsylvania Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage level before shopping to avoid unnecessary higher coverage. Consider your location, driving habits, vehicle and financial situation. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Look into the average car insurance costs in Pennsylvania based on your coverage level and driver profile. Search for discounts you might qualify for to explore personal savings opportunities.
Research the Cheapest Providers for You
With your coverage level and cost research in hand, start getting provider estimates. This helps identify who offers the cheapest car insurance in Pennsylvania for you. Use our calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing multiple providers can lead to significant savings in Pennsylvania. Use comparison sites, independent brokers, insurer websites, and direct agencies, as prices differ for the same coverage.
Take Advantage of Pennsylvania-Specific Programs
If you're a high-risk driver, Pennsylvania offers driver improvement courses that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance suit those who drive less. Telematics insurance tracks driving habits, offering discounts for safe driving. Automaker insurance programs may provide savings and added benefits.
What Affects Your Pennsylvania Car Insurance Estimates?
Your car insurance premium in Pennsylvania is influenced by four key areas: vehicle details, your driver profile, location and the provider you choose. To dive deeper into how each factor affects rates for Pennsylvania drivers, check out the links below:
How Much Does Provider Chosen Affect Pennsylvania Car Insurance Estimates?
The provider you choose is the most influential factor affecting the car insurance estimates and quotes in Pennsylvania. Depending on the provider, your rates can drop 44% or increase by as much as 123% compared to the average for Pennsylvania drivers.
| Lowest | Auto-Owners Insurance Co | $62 | $748 |
| Highest | Dairyland | $251 | $3,016 |
How Much Does Age Affect Pennsylvania Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Pennsylvania drivers. Depending on your age, your rates can go up as much as 98% or decrease by as much as 40% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 65 | $102 | $1,221 |
| Highest | 16 | $368 | $4,415 |
How Much Does Credit Affect Pennsylvania Car Insurance Estimates?
Credit score level influences car insurance rates in Pennsylvania the third most when compared to other factors. The better your credit score is, the lower your car insurance rates will be. Rates can vary from $109 monthly to $233 per month on average for full coverage policies.
| Lowest | Excellent | $109 | $1,313 |
| Highest | Poor | $233 | $2,796 |
How Much Does Coverage Affect Pennsylvania Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Pennsylvania, causing rates to vary anywhere from $467 per year for minimum coverage to $1,564 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $39 | $467 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $130 | $1,564 |
How Much Does Driving Record Affect Pennsylvania Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Pennsylvania with rates changing up to 27%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $113 | $1,350 |
| Highest | DUI - BAC >= .08 | $190 | $2,275 |
Pennsylvania Car Insurance Calculator: Bottom Line
We recommend you look into costs, coverage types and insurance firms before using our car insurance calculator for price estimates. After researching, gather many quotes and match them with our figures for your profile. This way, you'll find the most affordable plan that's just right for you.
Pennsylvania Car Insurance Estimate: FAQ
Below you will find answers to common questions about Pennsylvania car insurance costs and estimates.
What is used to determine Pennsylvania car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Pennsylvania car insurance on average?
Pennsylvania car insurance averages $42 monthly for state minimum coverage but can soar to around $201 for comprehensive plans.
How do I get the best car insurance in Pennsylvania?
To secure optimal car insurance in Pennsylvania, assess your needed coverage levels, compare prices and policies from various insurers and utilize tools such as car insurance calculators to find affordable options tailored to your needs.
Our Pennsylvania Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.