In Pennsylvania, full coverage car insurance averages $1,339 yearly, while minimum coverage averages $460. These rates are $43 more and $135 less, respectively, compared to the national average.
Average Cost of Car Insurance in Pennsylvania
Updated: December 20, 2024
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Key Takeaways
Drivers in the Keystone State pay about 3% more for full coverage car insurance than the national average.
Residents here see an average annual cost of $1,339 for full coverage, while minimum coverage is $460, making it more affordable than the national average.
Pennsylvania's insurance costs for full coverage are pricier, but minimum coverage offers a more budget-friendly option.
How Much Is Car Insurance in Pennsylvania?
| Full Coverage | $1,339 | $1,296 | 3% |
| State Minimum Liability Only | $460 | $595 | -23% |
Read More: Average Cost of Car Insurance
Pennsylvania Car Insurance Rates by Coverage Level
Your choice of coverage level impacts your car insurance rate in the Keystone State. Opting for higher liability limits and full coverage can raise your rate, while a higher deductible might lower your premium. Below, you'll find the average rates for state minimum and full coverage with various deductibles and liability limits in Pennsylvania.
| 300/500/300 | Full Coverage | $1,553 | $500 |
| 100/300/100 | Full Coverage | $1,507 | $0 |
| 300/500/300 | Full Coverage | $1,384 | $1,000 |
| 100/300/100 | Full Coverage | $1,339 | $1,000 |
| State Minimum | Full Coverage | $1,309 | $500 |
| 300/500/300 | Full Coverage | $1,302 | $1,500 |
| 100/300/100 | Full Coverage | $1,256 | $1,500 |
| State Minimum | Full Coverage | $1,141 | $1,000 |
| State Minimum | Full Coverage | $1,058 | $1,500 |
| 300/500/300 | Liability Only | $702 | $0 |
| 100/300/100 | Liability Only | $656 | $0 |
| State Minimum | Liability Only | $460 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Pennsylvania Car Insurance Cost by City
Car insurance rates in Pennsylvania can change based on crime, traffic, weather and repair costs. For example, Philadelphia's average full coverage is $1,868, higher than Pittsburgh's $1,093 and Allentown's $1,073. See how these rates compare against the state average in the table below.
| Allentown | $1,073 | -44% | $437 | -60% |
| Philadelphia | $1,868 | -2% | $772 | -30% |
| Pittsburgh | $1,093 | -43% | $423 | -61% |
Average Pennsylvania Car Insurance Cost by Age
In Pennsylvania, your age can make your car insurance more expensive. Young drivers, seen as high-risk, often pay more. On average, 25-year-olds pay 16.5% more for full coverage and 20.3% more for state minimum coverage than 40-year-olds. Compared to 65-year-olds, the cost difference jumps to 26.6% for full coverage and 26% for state minimum.
| 25 | $1,651 | $554 |
| 40 | $1,339 | $460 |
| 65 | $1,211 | $440 |
While age often affects car insurance prices, this isn't true everywhere. States like California, Massachusetts and Hawaii don't count your age in determining insurance costs.
Car Insurance Costs in Pennsylvania for Young Drivers by Gender
Young drivers in Pennsylvania face higher car insurance costs due to an increased risk of accidents. On a family policy, drivers aged 18 to 25 pay around $1,494 per year, 24% less than an individual policy.
Gender does not influence car insurance rates for young drivers in the Keystone State. Both female and male drivers aged 18 to 25 have an average yearly rate of $1,861 when on a family policy. Below, you'll find the average costs for individual and family car insurance policies for young drivers in Pennsylvania, broken down by gender.
Car Insurance Costs in Pennsylvania for Young Females
In Pennsylvania, adding an 18-year-old female to a family car insurance policy averages $1,690. Choosing an individual policy instead can raise her rate by about 45%.
| 18 | $3,066 | $1,690 | -45% |
| 19 | $2,377 | $1,794 | -25% |
| 20 | $2,132 | $1,613 | -24% |
| 21 | $1,743 | $1,341 | -23% |
| 22 | $1,577 | $1,560 | -1% |
| 23 | $1,446 | $1,432 | -1% |
| 24 | $1,346 | $1,334 | -1% |
| 25 | $1,197 | $1,192 | -0% |
Car Insurance Costs in Pennsylvania for Young Males
For an 18-year-old male in Pennsylvania, the average full coverage car insurance cost is $3,066 individually. Adding him to a family policy costs $1,690, saving about 45% annually.
| 18 | $3,066 | $1,690 | -45% |
| 19 | $2,377 | $1,794 | -25% |
| 20 | $2,132 | $1,613 | -24% |
| 21 | $1,743 | $1,341 | -23% |
| 22 | $1,577 | $1,560 | -1% |
| 23 | $1,446 | $1,432 | -1% |
| 24 | $1,346 | $1,334 | -1% |
| 25 | $1,197 | $1,192 | -0% |
Average Pennsylvania Car Insurance Cost by Driving Record
In Pennsylvania, traffic offenses can hike your car insurance rates. For example, a DUI may raise your full coverage premium by 18%, while a speeding ticket might lower it by 15%. Below, we compare the rates for drivers with at-fault accidents, speeding tickets and DUIs to those with spotless records.
| At-Fault Accident | $1,890 | -1% | $661 | -40% |
| DUI | $2,250 | 18% | $788 | -28% |
| Ticket | $1,630 | -15% | $565 | -48% |
Read More: High-Risk Car Insurance in Pennsylvania
Average Pennsylvania Car Insurance Cost by Credit Score
Your credit-based insurance score plays a part in setting car insurance prices in Pennsylvania. Drivers with excellent credit may pay around $1,155 yearly for full coverage, while those with poor credit could see rates near $2,389.
| Excellent | $1,155 | -39% | $351 | -68% |
| Good | $1,385 | -27% | $422 | -62% |
| Fair | $1,659 | -13% | $510 | -53% |
| Below Fair | $1,975 | 3% | $611 | -44% |
| Poor | $2,389 | 25% | $741 | -32% |
CREDIT SCORES AND YOUR PREMIUM
A credit score between 670 and 739 indicates financial dependability and may lower insurance rates for drivers in Pennsylvania. In contrast, Hawaii, Massachusetts, Maryland, California and Michigan prohibit using credit-based scores for pricing. Meanwhile, credit scores can only influence rates under specific conditions in North Carolina, Oregon, Washington, Utah and Nevada.
Average Pennsylvania Car Insurance Cost by Company
Car insurance premiums can differ greatly between companies, even in the same state. In Pennsylvania, Auto-Owners Insurance Co offers the most affordable average annual full coverage premium at $748. On the other end, Dairyland's premium is the highest, costing more than the national average by over 100%.
| Auto-Owners Insurance Co | $748 | $305 |
| Travelers | $769 | $338 |
| Nationwide | $896 | $478 |
| Erie | $987 | $376 |
| American National P&C | $1,032 | $398 |
| Allstate | $1,216 | $666 |
| Westfield | $1,235 | $228 |
| State Farm | $1,241 | $433 |
| Chubb | $1,354 | $356 |
| GEICO | $1,449 | $436 |
| Progressive | $2,121 | $563 |
| Dairyland | $3,016 | $944 |
Average Pennsylvania Car Insurance Cost by Vehicle Age
In Pennsylvania, newer cars usually cost more to insure, with full coverage averaging $1,381 a year. This is more than the $1,108 annual cost for a 10-year-old car, reflecting the higher value and risk.
| 10-Year-Old Vehicle | $1,108 | $425 |
| New Model Vehicle | $1,381 | $388 |
ACTUAL CASH VALUE
The actual cash value (ACV) represents your vehicle's worth as determined by your insurer before any damage. For comprehensive or collision claims, this value is crucial for calculating the maximum payout for repairs or replacement minus any deductible. This ensures the claim aligns with the car's fair market value.
Read More: Used Car Insurance
Pennsylvania Car Insurance Rates Explained
In Pennsylvania, car insurance rates often align with the national average. Whether these rates are affordable depends on various factors, including your credit-based insurance score. We'll delve into what drives the cost of both state minimum and full coverage plans.
Is Car Insurance Expensive in Pennsylvania?
Car insurance in Pennsylvania is slightly more expensive, with an average full coverage cost of $112 per month. The state's rates are about 3.3% higher than the national average.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Pennsylvania vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Pennsylvania Average Cost
Full Coverage Car Insurance
$112PA Car Insurance Is Expensive:$4 more
This is 4% more expensive.
Why Are Car Insurance Rates Expensive in Pennsylvania?
Car insurance in Pennsylvania can be pricey due to crowded cities and harsh weather. These factors make even the state minimum coverage more costly.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Pennsylvania
While average rates in Pennsylvania reflect broader factors, your car insurance cost hinges on personal details. Consider your driving history, vehicle type and coverage choices to estimate your expenses.
Driving Record
A clean driving record can lead to lower insurance rates. Avoid traffic violations and accidents to demonstrate responsible driving behavior to insurers.
Age and Gender
Younger drivers and males often face higher rates. Rates may decrease with age, and females may receive lower premiums due to statistical risk assessments.
Credit History
Insurers consider credit history when determining rates. To potentially lower insurance costs, improve your credit score by paying bills on time and reducing debt.
Vehicle Type
The type of vehicle affects insurance rates. Choose cars with strong safety features and a low claims history to enjoy more affordable premiums.
Location Within Pennsylvania
Living in areas with high traffic or crime can increase rates. Consider the location's risk factors when seeking affordable car insurance in Pennsylvania.
Coverage Level
Higher coverage levels result in higher premiums. Balance your need for protection with the affordability of the coverage you choose.
Marital Status
Married individuals may receive lower rates due to perceived stability. Inform your insurer of your marital status to potentially benefit from reduced premiums.
State Law
Pennsylvania law requires certain coverage minimums. Understanding these requirements can help you make informed decisions about your insurance needs.
Read More: Pennsylvania Car Insurance Calculator
Minimum Car Insurance in Pennsylvania
In Pennsylvania, the average cost for state minimum car insurance is $460, less than the national average of $595. This makes the Keystone State's minimum coverage more affordable than full coverage options.
Pennsylvania Car Insurance Requirements
In Pennsylvania, the minimum coverage for car insurance includes $15,000 for bodily injury per person, $30,000 per accident and $5,000 for property damage. You also need $5,000 in medical payments coverage.
Liability Limits | Description |
|---|---|
$15,000 for bodily injury liability per person | Bodily injury liability per person to cover injuries they cause to others |
$30,000 for bodily injury liability per accident | Bodily injury liability per accident ensures coverage for multiple injured parties |
$5,000 for property damage liability per accident | Property damage liability per accident covers damages to others' property |
$5,000 medical payments coverage | Medical payments coverage helps pay for medical expenses for you and your passengers |
How to Lower Car Insurance Costs in Pennsylvania
To cut car insurance costs in the Keystone State, compare rates, opt for a higher deductible and apply for discounts.
- 1
Compare Multiple Quotes
Researching multiple insurance providers can help you find affordable auto insurance, saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
A better credit score or clean driving record without at-fault accidents or moving violations can significantly lower insurance premiums because insurers view you as a lower risk.
- 3
Adjust Your Coverage
Reviewing coverage needs can help ensure you're paying only for what you need. For instance, you can lower costs with higher deductibles and decrease expenses with usage-based policies for low-mileage driving.
- 4
Ask for Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, completing a state-approved defensive driving course and bundling policies, as these can lead to drastically lower premiums.
- 5
Consider the Car You Drive
Driving a less expensive vehicle to insure, such as one with good safety ratings, can lower insurance costs, making coverage more pocket-friendly.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Pennsylvania: Bottom Line
In Pennsylvania, full coverage car insurance averages $1,339 annually, above the national average. Your car insurance rate can change based on factors like your age, car and driving history. So, while not the cheapest, the state's costs generally align with the rest of the country.
Pennsylvania Car Insurance Rates: FAQ
Learn what affects car insurance costs in the Keystone State. Compare quotes and seek discounts to find affordable rates.
What are the minimum car insurance requirements in Pennsylvania?
In Pennsylvania, the minimum car insurance requirements include $15,000 in bodily injury liability per person, $30,000 per accident and $5,000 in property damage liability. Additionally, medical benefits coverage of $5,000 is mandatory.
What is the average cost of full coverage and minimum coverage auto insurance in Pennsylvania?
The average cost for full coverage auto insurance in Pennsylvania is $1,339, compared to the national full coverage average of $1,296. The average state minimum is $460, while the national average is $595.
What is the average cost of car insurance for a 25-year-old in Pennsylvania?
The average cost for full coverage car insurance for a 25-year-old in Pennsylvania is $1,651, while minimum coverage averages around $554.
What are the cheapest car insurance companies in Pennsylvania?
The most affordable car insurance in Pennsylvania is from Auto-Owners Insurance Co, with an annual premium of $748 for full coverage and $305 for minimum coverage.
Pennsylvania Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in Pennsylvania:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Pennsylvania:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
- $5,000 medical payments coverage
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.