How Much Does Car Insurance Cost In Pennsylvania?

On average, drivers pay $200 per month for car insurance in Pennsylvania, according to 2021 rates.

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Average Cost of Car Insurance in Pennsylvania

Pennsylvania roads intersect the state's rolling hills, ridges, and plateaus. Moving from the outdoors to the city, everyday life routines could make you almost forget the state's rich history and heritage, as the site of the Liberty Bell and other important national landmarks.

The Greater Philadelphia, Pittsburgh, and Harrisburg metros make up over 64 percent of the state's 12.8 million residents. In the most heavily trafficked parts of these cities, "brotherly love" consists of car-clogged streets. Keystone State insurance prices sit right in the middle of the national pack, barely sneaking into the list of the top 25 cheapest states.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $20050%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

What Is the Average Cost of Car Insurance in Pennsylvania by Age?

Compared to other states––where they could pay average rates over twice as much––Pennsylvania teenagers spend a reasonable $349 per month on car insurance. People in their 20s reduce their monthly rates by over $100 as they get more driving experience under their belts.

Are you in your 30s, 40s, or 50s? You'll save a minimum of $25 a month compared to the average monthly cost for Pennsylvania drivers. Those drivers approaching retirement and beyond get the best deals. As a category, they drive less often and for fewer miles, and their rates reflect that.

AgeAvg. Monthly Rate
Teens$349
20s$227
30s$171
40s$175
50s$162
60s$140
70s$146
>80s$146

What Is the Average Cost of Car Insurance in Pennsylvania by Gender?

Men and women pay almost the same in Pennsylvania. There's a $7 difference between them, which can be attributed to the fact that women are statistically safer drivers and therefore cost less to insure.

GenderAvg. Monthly Rate
Male$203
Female$196

Does Marital Status Influence the Average Cost of Car Insurance in Pennsylvania?

Married Pennsylvania drivers pay an average of $20 less for their monthly premium when compared to their single counterparts.

Financial advisors and other experts point out that marriage adds stability, a higher net worth, and even tax benefits. At $20 per month, you can add up 240 more reasons a year to tie the knot.

Marital StatusAvg. Monthly Rate
Married$183
Single$206

What Are the Minimum Car Insurance Requirements in Pennsylvania?

Pennsylvania has a no-fault system, which means drivers file with their own insurance company after an accident. The law requires $15,000 in bodily injury liability per person and $30,000 per accident, $5,000 in property damage liability per accident, and $5,000 in personal injury protection (PIP) per person per accident. To protect your car itself, you'll need comprehensive and collision coverage.

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How Does Credit History Affect Pennsylvania Car Insurance Rates?

Since the state allows insurance companies to use credit score as a rating factor, Pennsylvanians with excellent credit pay a little less than folks with poor credit. By the way, excellent credit starts at an 800 score. Why do folks with average and good credit pay more than those with poor credit? Drivers in those categories can afford more expensive cars and higher levels of coverage.

Credit HistoryAvg. Monthly Rate
Poor$191
Average$195
Good$204
Excellent$180

What Is the Average Cost of Car Insurance in Pennsylvania for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Pennsylvania should expect their monthly rate to increase marginally —plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $20. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$195
At-Fault Accident$215
Speeding$194

Tips for Researching Pennsylvania Car Insurance Rates

Eastern Pennsylvania still outpaces the western part of the state, but altogether the population continues to grow. That means no matter which half you call home, your streets will soon be a tad more congested, and car insurance becomes a greater necessity if you want to avoid accidents or other scrapes.

Here's your chance to try Insurify's rating tool and compare up to 10+ real quotes in less than two minutes. Unlock savings and discounts as you find the coverage you deserve at a price you can afford.

FAQs - Pennsylvania Car Insurance

Why is car insurance so expensive in Pennsylvania?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Pennsylvania?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Pennsylvania. Insurify analyzed the latest data for the five most populous cities in Pennsylvania to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Pennsylvania?

'The way to find the carrier with the best auto insurance ratings in Pennsylvania and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in Pennsylvania?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.