4.8out of 3,000+ reviews

Pennsylvania Average Cost of Car Insurance Rates (2022)

  • Personalized quotes in 5 minutes or less
  • No signup required
1 Insurance
Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

SafetyOutline

Why you can trust Insurify

Insurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we've delivered over 26 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3,000 satisfied customers, how we make money, how we get our data, our editorial standards, and a list of our partners.

How Much Does Car Insurance Cost In Pennsylvania?

On average, car insurance rates for drivers in Pennsylvania are $200 per month, and $2394 per year. The average rates make Pennsylvania the 28th most expensive state in the country for car insurance rates and 12% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

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.

Best Pennsylvania Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Pennsylvania and has selected the following providers and quotes as the best rates for drivers in Pennsylvania.

Cheapest CompaniesQuotes
Progressive$44
State Farm$48
Allstate$102
GEICO$111
Travelers$123

Pennsylvania Car Insurance Rates by City

For drivers in Pennsylvania, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Pennsylvania.

CityAvg. Monthly Rate
Allentown$174
Bethlehem$153
Erie$160
Harrisburg$151
Lancaster$149
Philadelphia$264
Pittsburgh$170
Reading$168
Scranton$141
York$148

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

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

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.

pennsylvania

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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Pennsylvania Car Insurance

  • 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.

  • 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.

  • 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.

  • 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.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

Learn More