How Much Is Car Insurance in Pennsylvania? (2026)

How much is car insurance in Pennsylvania?

The average cost of car insurance in Pennsylvania is $125 per month. This is slightly higher than Ohio’s average of $90 and West Virginia’s monthly rate of $118, but lower than the New York average of $187. 

Annually, a liability-only policy in Pennsylvania averages $1,075, while full coverage averages $1,935. These rates are lower than the national annual averages of $1,178 and $2,238, respectively.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$90	$1,075
Full coverage	$161	$1,935

Disclaimer: Table data is based on real-time Pennsylvania quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Minimum car insurance requirements in Pennsylvania

Pennsylvania requires all drivers to have at least a minimum amount of liability insurance plus coverage to pay for some medical expenses. Below are the state’s required minimum coverages:^[1]

Coverage Type	Pennsylvania Minimum Requirement
Medical benefits	$5,000
Bodily injury liability (per person)	$15,000
Bodily injury liability (per accident)	$30,000
Property damage liability	$5,000

Cheapest car insurance companies in Pennsylvania

The cheapest car insurance companies in Pennsylvania are a mix of national and regional insurers, including State Farm, National General, and Erie. 

If you’re looking to save money, you can buy liability-only insurance, which protects you financially after an at-fault accident. This type of coverage pays for the other driver’s vehicle damage and injuries.

The following companies have the cheapest liability insurance rates in Pennsylvania.

The below rates in Pennsylvania are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
State Farm	$50
National General	$57
Erie	$58
First Acceptance	$60
Auto-Owners	$62
Progressive	$66
Allstate	$67
The General	$68
Travelers	$75
GEICO	$78
Safeco	$81
Direct Auto	$82
Bristol West	$91
USAA	$101
Root	$106
Dairyland	$110
Chubb	$117
GAINSCO	$126
Liberty Mutual	$126
State Auto	$136
CSAA	$165

Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

Average Pennsylvania car insurance rates by city

Auto insurance rates can vary depending on where you live. Philadelphia, Chester, and Bristol have the highest average car insurance rates in Pennsylvania, according to Insurify data.

Chester and Bristol are both suburbs of Philadelphia, a metro area with a large population, a high accident rate, and a high number of vehicle thefts. The area also has some of the most congested roadways, according to the TomTom Traffic Index. These factors contribute to high car insurance costs.

The least expensive cities for Pennsylvania car insurance are Altoona, Hanover, and State College. The low rates in these towns may be due to their smaller populations and their distance from major metro areas. They’re also located in counties with relatively low crash rates.^[2]

The following table shows average monthly insurance quotes for several Pennsylvania cities.

The below rates in Pennsylvania are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

City	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
State College	$67	$122
Hanover	$71	$127
Pottsville	$71	$151
Altoona	$76	$136
Lancaster	$77	$137
Bethlehem	$79	$146
Chambersburg	$80	$134
York	$81	$146
Phoenixville	$82	$166
Pittsburgh	$82	$152
Erie	$83	$149
Harrisburg	$84	$158
Scranton	$89	$165
Wilkes-Barre	$89	$141
Reading	$91	$167
Allentown	$103	$182
Bristol	$109	$176
Chester	$139	$228
Philadelphia	$152	$281

Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

Average Pennsylvania car insurance rates by age

Age can affect what you pay for car insurance in Pennsylvania.

Teen drivers typically pay the highest car insurance premiums of any age group due to their inexperience behind the wheel and higher likelihood of being in a car crash. A liability-only policy averages $156 per month for young drivers in Pennsylvania.

Rates steadily decrease with age as drivers gain more experience and maturity. Drivers in their 40s pay an average of $131 per month in Pennsylvania, while senior drivers in their 60s pay the lowest average rate, at $110 per month.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$156	$279
Adults (40s)	$94	$169
Seniors	$79	$141

Disclaimer: Table data is based on real-time Pennsylvania quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Pennsylvania

Your driving history affects how much you pay for car insurance because it signals your level of risk to your insurer. Car insurance companies see you as a high-risk driver if you have infractions like speeding tickets, driving under the influence (DUI) convictions, and at-fault car accidents on your record. These generally result in higher rates.

For example, 2.67% of Pennsylvania drivers have a speeding ticket on their driving records, an infraction that increases rates by 14% on average, according to Insurify data. Speeding ticket fines in Pennsylvania range from $45 to $102.50, depending on the posted speed limit and how fast you were driving.

Driving Record	Average Monthly Quote in PA	% Increase Compared to Clean Driving Record
Clean driving record	$125	N/A
With speeding ticket	$143	14%
With accident	$155	24%
With DUI	$201	61%

Disclaimer: Table data is based on real-time Pennsylvania quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Pennsylvania?

Multiple factors affect car insurance rates in Pennsylvania, including:

• Credit history: Car insurance companies in Pennsylvania may use a credit-based insurance score when calculating your premium. Drivers with poor credit in Pennsylvania pay higher rates than drivers with good or excellent credit.

• Severe weather and flooding: Pennsylvania experiences flash flooding, heavy rain, fog, snow, hail, and occasional tornadoes. Areas with higher claim frequency from weather-related damage may see higher comprehensive insurance costs.

• Dangerous driving conditions: Snow, ice, and freeze-thaw cycles contribute to more crashes and vehicle damage during the cold-weather months.

• High deer collision risk: Pennsylvania has a high number of deer-vehicle collisions, according to state Department of Transportation data. Drivers in areas with frequent deer activity may pay more for comprehensive coverage because insurers expect more animal-strike claims.

• Population density and traffic: Dense traffic in Philadelphia, Pittsburgh, Allentown, and other metropolitan areas generally results in more frequent accidents and claims than in rural areas. These factors typically increase insurance rates.

• Vehicle theft rates: Comprehensive premiums may be higher in densely populated areas — such as Philadelphia, Montgomery, and Allegheny counties — because they have higher rates of vehicle theft.

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How Pennsylvania car insurance rates have changed over the past five years

Car insurance rates in Pennsylvania rose sharply between 2021 and 2024, then cooled a bit in 2025. This mirrors a national trend of rates increasing between 2022 and 2024, then lowering by 6% nationally in 2025, according to Insurify data. 

Rates in Pennsylvania are currently 13% lower than the national average, with full-coverage premiums averaging $1,860 per year in 2025, according to an Insurify report. Looking ahead, Insurify projects a slight 0.4% increase in Pennsylvania by the end of 2026, bringing the projected state average to $1,867 per year.

How to lower car insurance costs in Pennsylvania

Taking these steps may help you save money on your car insurance in Pennsylvania:

• Compare quotes from regional insurers. Pennsylvania is home to several well-known regional insurers, including Erie Insurance, Donegal Insurance Group, and Penn National Insurance, which may offer competitive rates alongside national insurers. Shopping for car insurance quotes at each renewal can help you find the best price.

• Take a PennDOT-approved mature driver course. If you’re 55 or older, Pennsylvania law requires insurers to provide a premium discount of at least 5% after you complete an approved driver-improvement course.^[3]

• Improve your credit score before shopping for coverage. Pennsylvania insurers can use a credit-based insurance score when calculating premiums. Paying bills on time, reducing credit card balances, and avoiding new debt before requesting quotes may help you qualify for lower rates.

• Bundle your policies and ask about discounts. Many Pennsylvania insurers offer savings for bundling auto and home insurance, insuring multiple vehicles, or maintaining a clean driving record.

Pennsylvania average car insurance cost FAQs