Pennsylvania Car Insurance Calculators: Get Instant Estimates

• Rates come from Quadrant Information Services, which collects actual insurance premium filings from carriers across every ZIP code in Pennsylvania. MoneyGeek does not receive compensation based on which companies rank highest or lowest.
• Rates are filed at the ZIP code level, not the city level. Entering your exact address produces a more accurate estimate than entering your city name alone.
• This page was written by Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer with nearly a decade of car insurance market analysis.
• MoneyGeek's editorial team operates independently from its business partnerships. No insurer paid to appear here or to influence these rankings.

Travelers offers full coverage in Pennsylvania at $68 a month. Farmers prices the same coverage on the same driver at $255 a month. That's $187 a month more, or $2,244 a year. Travelers' prices are lower than everyone else for drivers with clean records and good credit. 

Most comparison websites don't list every company that writes in Pennsylvania. Erie Insurance at $79 a month and Donegal Insurance at $80 a month are priced below every national brand in Pennsylvania and don't appear on all comparison websites. Get quotes from the two cheapest car insurance companies in Pennsylvania, Erie and Donegal, before settling on a carrier.

Where your car is parked overnight determines the ZIP code used to calculate your rate. Philadelphia drivers pay $103 a month for minimum coverage; Pittsburgh drivers pay $51 a month, a $52 monthly difference, or $624 a year. Philadelphia recorded 21,620 vehicle thefts in 2023 per Philadelphia Police Department data. Insurers charge more in Philadelphia ZIP codes because of that theft rate.

If you live near the New Jersey border, the rate gap gets bigger. New Jersey averages $172 a month for full coverage, $51 more than Pennsylvania's $121 average. A driver who can choose which state to register in should get quotes for both addresses before deciding.

Pennsylvania charges young drivers an average of $277 a month for full coverage. That's more than double what adults pay at $121 a month, or $156 extra per month and $1,872 a year. Travelers prices Pennsylvania drivers at $130 a month at age 24 and $117 a month at 25. That $13 birthday discount is real, but the bigger opportunity is re-quoting.

Drivers who re-quote at 25 get the rate drop that comes with turning 25 and the savings from switching to the cheapest carrier. A 25-year-old at Nationwide ($198 a month) who switches to Travelers ($117 a month) saves an extra $81 a month, or $972 a year. Travelers prices lowest at 24, 25 and for adults. Re-shop again at 55, 60 and 65.

Excellent credit costs $88 a month for full coverage in Pennsylvania. Poor credit costs $226 a month for the same policy, which is $138 a month more, or $1,656 a year. Improving your credit score saves more than dropping from full to minimum coverage, which only cuts $71 a month.

Most drivers assume their rate drops at renewal when credit improves. In Pennsylvania, it doesn't. The Pennsylvania Insurance Department's consumer guide says insurers can't raise your rate if credit worsens at renewal, but Pennsylvania law doesn't require insurers to automatically pass the savings along when credit improves. As soon as your credit improves, request new quotes to save more money.

An at-fault accident adds an average of $27 a month to your Pennsylvania rate; a DUI adds $126 a month. Both are increases on top of your existing rate, not on top of each other. The carrier you're with changes those numbers entirely. Travelers charges $95 a month after a DUI, which is below Pennsylvania's average clean rate of $121. Farmers charges $650 a month. That's a $555 monthly difference, or $6,660 a year.

Pennsylvania doesn't require SR-22 filings. Most drivers assume they must wait for one to expire before rates improve. Per PennDOT, a DUI in PA triggers license suspension and, for most first-time and all repeat offenses, an ignition interlock requirement under 75 Pa.C.S. § 3805. Your regular insurance card is all you need to get your license back. No SR-22 is involved.

Re-shop immediately at Travelers, then again when the ignition interlock device requirement ends. For a first offense that's typically one year; repeat offenses run longer. MoneyGeek's Pennsylvania high-risk car insurance page shows what Travelers, Farmers, and every carrier between them charges after a DUI, at-fault accident, or speeding ticket.

Full coverage costs $121 a month in Pennsylvania; minimum coverage costs $50 a month. That $71 difference, or $852 a year, is real. Switching from Farmers ($255 a month) to Travelers ($68 a month) saves $187 a month while keeping full coverage. That's $187 saved by switching versus $71 saved by dropping coverage, which is more than twice as much. A driver who switches to minimum but stays with Farmers pays $115 a month, which is $47 more than Travelers charges for full coverage.

Pennsylvania's legal minimum covers $15,000 per injured person and $30,000 per accident for bodily injury, plus $5,000 for property damage. A serious crash in Philadelphia can cost more than that before a second person is even counted.

Pennsylvania lets drivers choose between limited tort, which lowers your premium but restricts the right to sue for pain and suffering, and full tort, which keeps those rights at higher cost. Check your declarations page if you're not sure which applies. Your lender still requires full coverage if you're financing.

Comprehensive coverage pays for hail, flooding, fire, wind damage, and theft. Pennsylvania averages more severe-weather disasters per year than most drivers expect. NOAA tracks weather disasters that cause at least $1 billion in damage nationally, and Pennsylvania averaged 8.2 of those events per year from 2020 through 2024. Severe storms drove 56% of Pennsylvania's disasters in that period.

The Pennsylvania Insurance Department's consumer guide says to subtract your deductible from your car's current value and compare that to your annual comprehensive premium. On an $8,000 car with a $1,000 deductible, you'd collect $7,000. Carry comprehensive if that exceeds two years of premium. Pennsylvania's storm frequency makes a claim more likely here than in most states.

Uninsured and underinsured motorist coverage is optional in Pennsylvania, but you must sign a written rejection to decline it. The Pennsylvania Insurance Department requires policies to offer UM/UIM coverage, which pays your medical bills and car repair costs when the driver who hit your car has no insurance or not enough to cover the damage. If you didn't sign a written rejection, you have it.

Pennsylvania's uninsured driver rate is estimated at 12.9%, so one in eight drivers on Pennsylvania roads carries no liability insurance. The national uninsured rate was 15.4% in 2023 per the Insurance Research Council. 

Stacked UM/UIM coverage applies by default in Pennsylvania unless you sign a written rejection. Stacking means your UM/UIM coverage multiplies by the number of vehicles on your policy, so two cars gives you twice the protection per accident. Stacking costs more in premium but pays out more if an uninsured driver causes you injury that will put you in the hospital.

The recommended coverage amounts are higher than Pennsylvania's legal minimums because the minimums aren't enough for a serious crash. Pennsylvania's legal minimum covers $15,000 per injured person and $30,000 per accident for bodily injury, plus $5,000 for property damage. 

Emergency treatment alone at a Philadelphia trauma center can exceed that per-person limit before a patient is discharged. If your liability is exhausted and you're at fault, a court can come after your paycheck and savings for whatever your policy doesn't cover. If you're financing or leasing, your lender requires full coverage regardless of what the state minimum allows.

Pennsylvania is a choice tort state, and the option you chose when you bought your policy changes what the recommendation means. 

Limited tort lowers your premium but restricts your right to sue for pain and suffering unless your injuries are serious: broken bones, significant disfigurement, or permanent disability, for example. Full tort preserves those rights at a higher premium. Pennsylvania law defaults you to full tort if you never made a selection. 

Above your policy limits, there's no cap on what a court can order you to pay. A judgment can attach to your savings, home equity, and future income. Drivers with assets or steady income should carry at least $100,000 per person and $300,000 per accident for bodily injury liability.

Bodily injury liability pays the medical bills, lost wages, and legal costs of people you injure when you're at fault. Pennsylvania's minimum is $15,000 per injured person and $30,000 per accident. That sounds like a lot until you consider that a single night in a Philadelphia hospital ICU can cost $10,000 or more before surgery or rehab begins. If costs exceed your policy limits, you're personally responsible for the balance. Drivers with assets or stable income should carry coverage well above the state minimum.

Property damage liability pays for damage you cause to other people's cars, buildings, and property when you're at fault. Pennsylvania requires $5,000 for property damage. A single late-model vehicle damaged in an at-fault crash can cost $15,000 or more to repair. A $5,000 limit covers that only partially, with you being responsible to pay for the rest.

Uninsured and underinsured motorist (UM/UIM) coverage pays your medical bills and car repair costs when the driver who hit you has no insurance or not enough to cover the damage. UM/UIM is optional in Pennsylvania. You must sign a written rejection to decline it. If you didn't reject it, it's on your policy. Pennsylvania's estimated uninsured driver rate is 12.9%.  

Stacked UM/UIM applies by default in Pennsylvania unless you sign a written rejection. Stacking multiplies your coverage limit by the number of vehicles on the policy. Rejecting stacked coverage lowers your premium but reduces your protection if an uninsured driver injures you.

Collision pays for damage to your own car from a crash, regardless of fault. Comprehensive pays for theft, fire, flooding, hail, and wind damage. Most lenders require both until the vehicle is paid off. NOAA's National Centers for Environmental Information tracks weather disasters that cause at least $1 billion in damage nationally. Pennsylvania averaged 8.2 of those per year from 2020 through 2024, and severe storms drove 56% of all such events in Pennsylvania since 1980. That frequency matters when you're deciding whether to drop comprehensive. The higher the storm risk, the more likely the coverage pays out.

Gap insurance pays the difference between what your car is worth and what you still owe on the loan if it's totaled. New vehicles depreciate quickly. A car worth $30,000 at purchase may be worth $23,000 within the first year, while the loan balance may still be near the original amount.  

You buy gap coverage through the dealership or lender when you finance the car. Buy it on any new or near-new vehicle where the loan balance is higher than the car's current market value.

Some states require an SR-22 after a DUI. An SR-22 is a certificate that proves you carry the state's minimum insurance. Pennsylvania doesn't require one. Per PennDOT, a DUI in Pennsylvania triggers license suspension based on BAC level and prior offenses, plus an ignition interlock requirement under 75 Pa.C.S. § 3805 for qualifying offenses. Fines and restoration fees also apply. 

To get your license back, show your regular insurance card and pay the reinstatement fee. Your insurance company submits that proof to PennDOT directly. No SR-22 certificate is filed, ordered, or required. Drivers seeking coverage after a DUI can find carrier-specific rates at MoneyGeek's Pennsylvania DUI car insurance page.