Full coverage policies in Pennsylvania cost around $1,339 annually, while minimum coverage averages $460. Factors like age, chosen coverage level, location, credit history and driving record influence your premium.
How Much Is Car Insurance in Pennsylvania? (November 2024)
Updated: November 15, 2024
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Why Trust MoneyGeek? MoneyGeek analyzed Pennsylvania auto insurance rates using data from the Pennsylvania Insurance Department and Quadrant Information Services.
These rates reflect the average cost of car insurance in Pennsylvania as of November 2024.
49,001Quotes Analyzed
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Average Car Insurance Costs in Pennsylvania
Pennsylvania's full coverage car insurance costs around $1,339 per year, roughly $112 monthly. Knowing the average cost can guide you when comparing car insurance quotes.
Review these numbers for an idea of what you might pay for auto insurance in Pennsylvania, from minimum to full coverage policies.
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,339 | $112 |
| 100/300/100 Liability Only | $656 | $55 |
| State Minimum Liability Only | $460 | $38 |
Why Are Car Insurance Rates Moderate in Pennsylvania?
Pennsylvania's average car insurance rates are fairly close to the national average cost of car insurance. Full coverage in the state averages $1,339 annually ($112 per month) versus the national average of $1,392 ($116 per month). The state average for minimum coverage is $460 annually ($38 per month), lower than the national average of $628 per year ($52 per month).
State regulations, the cost of living, the frequency of claims and a competitive insurance market influence Pennsylvania's car insurance rates.
Average Car Insurance Costs in Pennsylvania by Company
Car insurance premiums vary widely among companies, even within a state. In Pennsylvania, Auto-Owners Insurance Co offers the most affordable full coverage option, at around $748 per year, while Dairyland has the highest average annual premium, at $3,016.
Compare quotes from different companies to find the cheapest car insurance in Pennsylvania that best fits your coverage needs.
Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
| Auto-Owners Insurance Co | $748 | $62 |
| Travelers | $769 | $64 |
| Nationwide | $896 | $75 |
| Erie | $987 | $82 |
| American National P&C | $1,032 | $86 |
| Allstate | $1,216 | $101 |
| Westfield | $1,235 | $103 |
| State Farm | $1,241 | $103 |
| Chubb | $1,354 | $113 |
| GEICO | $1,449 | $121 |
| Progressive | $2,121 | $177 |
| Dairyland | $3,016 | $251 |
Average Car Insurance Costs in Pennsylvania by Coverage Level
The cost of car insurance in Pennsylvania is also influenced by the level of coverage you select. On average, the monthly cost for minimum coverage is $38, while full coverage with a $1,000 deductible averages at $112. Although more expensive, full coverage insurance is generally recommended as it offers more comprehensive protection.
While adding comprehensive and collision coverage increases your premium, opting for higher deductibles, such as $1,000, can make it more manageable. Each coverage has its deductible amount, which plays a significant role in balancing coverage and affordability.
| State Minimum Liability Only | $460 | $38 |
| 100/300/100 Liability Only | $656 | $55 |
| 300/500/300 Liability Only | $702 | $58 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $1,058 | $88 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $1,141 | $95 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $1,256 | $105 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $1,302 | $108 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,309 | $109 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,339 | $112 |
| 300/500/300 Full Cov. w/$1,000 Ded | $1,384 | $115 |
| 100/300/1000,000 - 500 comp_coll | $1,507 | $126 |
| 300/500/300 Full Cov. w/$500 Ded. | $1,553 | $129 |
Minimum Car Insurance Requirements in Pennsylvania
Pennsylvania's minimum car insurance requirements include $15,000 for bodily injury per person, $30,000 for bodily injury per accident, $5,000 for property damage and $5,000 for medical payments. Uninsured and underinsured motorist coverages aren't mandated.
$15,000 for bodily injury liability per person
In Pennsylvania, each driver must have a minimum of $15,000 in bodily injury liability coverage for injuries to one person in an accident.
$30,000 for bodily injury liability per accident
State minimum coverage in Pennsylvania requires $30,000 for bodily injury liability, covering all persons injured in a single accident.
$5,000 for property damage liability per accident
Pennsylvania drivers must carry at least $5,000 in property damage liability coverage for damages caused in an accident.
$5,000 in medical payments coverage
Pennsylvania mandates a minimum of $5,000 to cover medical expenses incurred by you or your passengers after an accident.
Average Car Insurance Costs in Pennsylvania by City
Your location within Pennsylvania could influence your car insurance premiums. Allentown residents enjoy the cheapest full coverage, around $1,073 per year, while Philadelphia has the priciest, around $1,868.
Different factors can affect car insurance rates, including driving history, vehicle type, credit score, age and marital status.
| Allentown | $1,073 | $437 |
| Philadelphia | $1,868 | $772 |
| Pittsburgh | $1,093 | $423 |
Average Car Insurance Costs in Pennsylvania by Age
Age significantly affects car insurance costs. In Pennsylvania, drivers aged 22 to 29 face the highest premiums, averaging $1,651 annually, due to insurers' assessments of risk based on experience and accident rates.
As drivers age, premiums decrease: those aged 30 and above pay about $1,339 annually, while seniors enjoy the lowest average cost at $1,211.
Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
| 22-29 | $1,651 | $138 |
| 30-59 | $1,339 | $112 |
| 60 + | $1,211 | $101 |
Average Car Insurance Costs in Pennsylvania for Teens
In Pennsylvania, age and gender affect insurance rates. Adding a 16-year-old male to a family car insurance policy costs an average of $2,589 annually.
It's typically against the law for anyone under 18 to purchase a policy without a guardian. Should a 16-year-old male opt for an individual policy, the price rises to $4,775 yearly.
Average Car Insurance Costs in Pennsylvania for New Cars
The average annual cost of full coverage car insurance in Pennsylvania is $1,108 for a 2012 model and $1,381 for a 2022 model. Newer models have higher premiums due to increased actual cash value, repair costs and theft risk.
Drivers of newer cars should consider comprehensive and collision coverages to protect against various incidents and minimize financial loss from unexpected events.
Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
| 2012 Vehicle | $1,108 | $92 |
| 2022 Vehicle | $1,381 | $115 |
ACTUAL CASH VALUE
Your vehicle's actual cash value (ACV) is the amount your insurance company will consider when settling a comprehensive or collision claim. This reflects your vehicle's market value, accounting for depreciation, and affects your payout for repairs or replacement.
Average Car Insurance Costs in Pennsylvania by Driving Record
The average cost of car insurance in Pennsylvania can significantly vary depending on your driving record.
- With a ticket: $1,630 per year; $136 per month
- With an at-fault accident: $1,890 per year; $158 per month
- With a DUI: $2,250 per year; $187 per month
The more severe a driving violation, the more you may pay for your car insurance. Violations stay on your record and can impact your premiums until they are cleared. For instance, in Pennsylvania, a DUI can impact your premiums for at least 10 years.
To find the most affordable plan, explore the table by coverage and age group for each driving record in Pennsylvania.
Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
Age Group:
Age Group:30-59
| Clean | $1,339 | $112 |
| Ticket | $1,630 | $136 |
| At-fault Accident | $1,890 | $158 |
| DUI | $2,250 | $187 |
Average Car Insurance Costs in Pennsylvania by Credit Score
In Pennsylvania, your credit score could substantially impact the cost of your car insurance, ranging from an average monthly premium of $77 for those with excellent credit (800 to 850) to $162 for drivers with poor scores (390 to 579). Your credit score is a measure of your financial responsibility, and in Pennsylvania, insurers use it to gauge risk when setting rates.
Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 w/ $1000 Deductible
Age Group:
Age Group:30-59
| Excellent | $921 | $77 |
| Good | $1,109 | $92 |
| Fair | $1,334 | $111 |
| Below Fair | $1,596 | $133 |
| Poor | $1,948 | $162 |
Factors Affecting Car Insurance Rates in Pennsylvania
Understand the factors influencing car insurance rates in Pennsylvania to ensure you find the most affordable plan that meets your needs.
- Age and Driving Experience: Younger drivers and those with less experience often face higher car insurance rates due to a perceived higher risk of accidents.
- Driving Record: A clean driving record can lower insurance premiums, while accidents, DUIs and traffic violations typically increase rates.
- Credit Score: In Pennsylvania, insurers may use your credit score to determine risk, which can affect the cost of your car insurance.
- Vehicle Type: Your vehicle's make, model and age impact your rates, with higher-value cars generally incurring higher insurance costs.
- Coverage Level: Opting for minimum coverage can lower your monthly cost, but adding collision insurance or comprehensive insurance offers more protection at a higher rate.
- Location: Urban areas with higher traffic density and theft rates can lead to increased insurance premiums compared to rural areas.
- Annual Mileage: Driving fewer miles can lower your insurance rates, as less time on the road means a reduced likelihood of filing a claim.
- Discounts: Many insurers offer discounts for safe driving, multiple vehicles and security features, which can reduce the overall cost of your insurance.
How to Save Money on Car Insurance in Pennsylvania
To secure affordable car insurance in Pennsylvania, compare quotes from various insurers, opt for a higher deductible and leverage all eligible discounts to minimize premiums.
Shop Around
Comparing rates from different insurers can help you find the cheapest car insurance in Pennsylvania. Providers may offer varying rates for similar coverage.
Maintain a Clean Driving Record
A clean driving record can significantly reduce your car insurance rates. Avoid violations and accidents to maintain lower premiums.
Increase Your Deductibles
Opting for higher deductibles can lower your premiums. Ensure the deductible is affordable in case you need to file a claim.
Bundle Policies
Bundling car insurance with other policies, such as homeowners or renters insurance, can lead to discounts and more affordable overall costs.
Seek Discounts
Many insurers offer discounts for things like safe driving, good grades for students or having anti-theft devices installed in your vehicle.
Choose the Right Vehicle
Insurance costs can vary by car model. Choose a vehicle with a good safety record and lower insurance rates to save money.
Review Coverage Annually
Review and adjust your coverage regularly to fit your current needs. Over time, you may find that you can lower your coverage and save money.
FAQ: Car Insurance Costs in Pennsylvania
We address common questions about the average cost of car insurance in Pennsylvania to help you make informed decisions.
What are the minimum car insurance requirements in Pennsylvania?
Pennsylvania's minimum car insurance requirements mandate $15,000 in bodily injury liability per person, $30,000 per accident, $5,000 for property damage liability per accident, and $5,000 in medical payments coverage. These coverages help drivers cover costs for damages or injuries they may cause in an accident.
What is the average cost of full coverage and minimum coverage auto insurance in Pennsylvania?
On average, Pennsylvania drivers spend about $1,339 annually for full coverage car insurance. The typical cost for minimum coverage is around $460 per year.
What is the average cost of car insurance for a 22-year-old in Pennsylvania?
A 22-year-old in Pennsylvania generally pays $1,651 annually ($138 monthly) for full coverage with a $1,000 deductible at 100/300/100 levels. For liability-only coverage at the same levels, the average is $797 yearly ($66 monthly), while minimum coverage costs about $554 annually ($46 monthly).
What are the cheapest car insurance companies in Pennsylvania?
Westfield and Auto-Owners are noted as the most affordable car insurance providers in Pennsylvania, offering minimum coverage for approximately $228 and $305 annually, respectively.
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.