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Pennsylvania Average Cost of Car Insurance Rates (2022)
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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.
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.
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.
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.
|City||Avg. Monthly Rate|
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.
|Age||Avg. Monthly Rate|
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.
|Gender||Avg. Monthly Rate|
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 Status||Avg. Monthly Rate|
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.
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 History||Avg. Monthly Rate|
"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 History||Avg. Monthly Rate|
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.
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
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.
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.