Average Car Insurance Cost in Pennsylvania (2025)
Drivers in Pennsylvania pay an average of $132 per month for car insurance.
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Written byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Table of contents
Pennsylvania drivers pay an average of $132 per month for car insurance, which is cheaper than the national average of $151 per month. Pennsylvania’s auto insurance rates rose over the last two years but have stayed below the national average.
Pennsylvania is a relatively rural state with comparatively smaller cities, which is why drivers can get more affordable coverage. Rates vary by location, but you can find cheap car insurance with some work.
Learn more about car insurance prices in Pennsylvania, how to compare quotes, and how to find the best auto policy for you.
Quick Facts
The average cost of full-coverage car insurance in Pennsylvania is $169 per month.
Pennsylvania is one of the 20 cheapest states for car insurance.
Philadelphia has the most expensive auto insurance rates in Pennsylvania.
How much is car insurance in Pennsylvania?
Pennsylvania drivers pay an average of $132 per month for car insurance. On average, liability-only coverage costs $95 monthly, and full-coverage car insurance costs $169.
Full-coverage insurance is more expensive because it includes both collision and comprehensive coverage. But your exact rate will vary based on factors like your age, location, and driving record.
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How Pennsylvania car insurance rates have changed over the past two years
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To find car insurance rates in Pennsylvania and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Pennsylvania rose to $2,100 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Pennsylvania.
See how Pennsylvania car insurance prices have changed over the past two years below.
Average Pennsylvania Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Pennsylvania car insurance rates by city
Car insurance rates vary depending on where you live in Pennsylvania. Insurers determine prices using many factors, including accident frequency, car theft rates, and traffic patterns.
Drivers in major cities tend to pay more for insurance because they have higher risk factors than rural drivers. If you live in Philadelphia, you’ll likely pay higher rates than drivers in Allentown, for example.
The table below shows the average monthly prices for liability-only and full-coverage insurance in some of Pennsylvania’s cities, according to Insurify data.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| State College | $74 | $160 |
| Scranton | $83 | $164 |
| Harrisburg | $86 | $161 |
| Lancaster | $86 | $131 |
| Bethlehem | $87 | $149 |
| York | $88 | $146 |
| Reading | $94 | $200 |
| Pittsburgh | $95 | $170 |
| Erie | $96 | $157 |
| Allentown | $107 | $192 |
| Wilkes-Barre | $109 | $183 |
| Chester | $157 | $273 |
| Philadelphia | $172 | $300 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Read More: Car Insurance Requirements in Pennsylvania (2025)
Average Pennsylvania car insurance rates by age and gender
Your age and gender also affect how much you’ll pay for car insurance. Men get into more accidents than women, so they pay more for car insurance. And because older drivers have more experience behind the wheel, they pay less than younger drivers.[1] Insurers also consider your driving experience and habits when determining your monthly premium.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $158 | $290 |
| 18 | $158 | $290 |
| 20 | $117 | $216 |
| 25 | $117 | $216 |
| 30 | $101 | $186 |
| 40 | $98 | $180 |
| 50 | $87 | $160 |
| 60 | $77 | $142 |
| 70+ | $74 | $136 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $148 | $274 |
| 18 | $148 | $274 |
| 20 | $111 | $204 |
| 25 | $111 | $204 |
| 30 | $95 | $176 |
| 40 | $92 | $170 |
| 50 | $81 | $150 |
| 60 | $73 | $134 |
| 70+ | $70 | $128 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Pennsylvania
The Toyota RAV4 was the most popular vehicle in Pennsylvania in 2023, followed closely by the Honda CR-V, according to data from Edmunds.[2] Toyota and Honda are known for their reliability, which might explain their popularity.
The Ford F-Series, the Chevrolet Silverado, and the Subaru Crosstrek round out the top-five vehicles in Pennsylvania. Ford and Chevrolet trucks are great for drivers in Pennsylvania’s industrial and rural areas, allowing them to tow heavy loads. The Crosstrek offers all-wheel drive, making it an excellent choice for driving in the snow.
Vehicle | Average Monthly Quote |
|---|---|
| Toyota RAV4 | $164 |
| Honda CR-V | $150 |
| Ford F-Series | $168 |
| Chevrolet Silverado | $178 |
| Subaru Crosstrek | N/A |
How your driving record affects car insurance rates in Pennsylvania
Your driving record may have the most significant effect on your car insurance rates because it’s a direct indication of what kind of driver you are. If you have an infraction on your record, your insurer will likely charge you higher rates than a driver with a clean record.
How much more you’ll pay depends on the severity of your infraction. Drivers with DUIs see the most significant increases — around 50% — while drivers with speeding tickets see the smallest. Look at the table below to see how much an infraction can affect your rates.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $174 | 30% |
| With speeding ticket | $164 | 22% |
| With DUI | $201 | 50% |
Your credit history can also affect how much you pay for car insurance. Drivers with poor credit pay more because insurers think they’re more likely to file claims.[3] Some states restrict the use of credit history when determining insurance rates, but Pennsylvania doesn’t.
Pennsylvania drivers with excellent credit pay an average of $157 per month for full-coverage insurance. Drivers with poor credit pay an average of $197 per month, which adds up to an extra $456 over a year. Check out the table below to see how credit history affects car insurance costs.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $85 $157 Good $92 $169 Fair $97 $178 Poor $106 $195 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Pennsylvania
As a Pennsylvania driver, you can lower your car insurance costs in several ways:
Maintain a clean driving record
Insurers consider your driving history when setting rates, so safe driving habits can help keep costs down.
Increase your deductible
If you can afford to, consider raising your car insurance deductible. Choosing a higher deductible will lower your monthly premiums, but you’ll pay more out of pocket if you file a claim.
Choose the right coverage amount
Don’t buy more coverage than you need. Consider your vehicle’s age and how you use it. Full coverage may not be worth it if your car isn’t worth much.
Apply for discounts
Car insurance discounts are a great way to lower costs. Almost every insurance company offers multiple discounts — ask your insurer or local agent what you qualify for.
Compare car insurance quotes
Always compare car insurance quotes from multiple companies before buying a policy. Each insurer determines rates differently, so you may find different rates for the same policy.
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Pennsylvania average car insurance cost FAQs
Buying car insurance can be confusing. We’ve answered some of the most commonly asked questions about car insurance in Pennsylvania.
What is the average annual cost of car insurance in Pennsylvania?
The average cost of car insurance in Pennsylvania is $1,583 per year. Drivers pay an average annual rate of $1,139 for minimum coverage and $2,027 for full coverage.
What is the cheapest car insurance company in Pennsylvania?
Pennsylvania’s cheapest car insurance company is State Farm, with an average monthly liability rate of $51.
How much is car insurance per month in Pennsylvania?
The average cost of car insurance per month in Pennsylvania is $132. Drivers pay a monthly average of $95 for liability coverage and $169 for full coverage.
What are the best auto insurance companies in Pennsylvania?
The best auto insurance companies in Pennsylvania include State Farm, Travelers, and Erie. They offer affordable rates, reliable coverage, and plenty of discounts. But you should compare quotes from multiple companies to find the best car insurance for you.
What are the car insurance requirements in Pennsylvania?
Pennsylvania’s minimum car insurance requirements are $15,000 per person and $30,000 per accident in bodily injury liability coverage and $5,000 per accident in property damage liability coverage.
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Edmunds. "Most Popular Cars in America."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums."
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Danny Smith
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.