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Average Cost of Car Insurance in Pennsylvania (With Quotes, Updated September 2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Katie Powers

By: Katie Powers

Edited by Jackie Cohen

Updated June 24, 2022

Quick Facts

  • On average, Pennsylvania car insurance costs $177 per month and $2,124 per year.
  • Pennsylvania drivers with excellent credit spend $19 less than drivers with poor credit.
  • Young drivers under the age of 25 pay the highest average rates for auto insurance.

Average car insurance premiums in Pennsylvania are currently $177 per month and $2,124 per year, which is lower than the national average of $233 per month and $2,796 per year. On a driver-by-driver basis, individual auto insurance rates fluctuate depending on driving history, credit history, marital status, age, gender, vehicle type, coverage level, and insurance provider.

Finding an affordable insurance policy that adequately meets your coverage needs does not need to be a stressful endeavor. With the Insurify quote-comparison tool, you can easily compare car insurance quotes from top auto insurance companies available in Pennsylvania. Give it a try today from the comfort of home to learn how much you can save.

How much does car insurance cost in Pennsylvania?

What is the average cost of auto insurance in Pennsylvania?

On average, car insurance in Pennsylvania is $177 per month and $2,124 per month, which is lower than the national average rates. On an individual basis, premiums depend on driving history, personal information, coverage levels, and auto insurers.

Pennsylvania drivers spend on average $177 monthly and $2,124 yearly for their chosen auto insurance policy. Annual premiums fluctuate for policyholders depending on a number of factors, including driving history, credit history, marital status, age, gender, set deductible, coverage level, city of residence, and more. Average premiums also depend on each insurance provider.

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Best Pennsylvania Auto Insurance Rates

No one-size-fits-all car insurance policy exists, which is why we identified the average monthly premiums from the best car insurance companies available in Pennsylvania. Comparing quotes from numerous auto insurance companies will help ensure that you find the best rates for coverage that matches your individualized auto insurance needs.

Insurance ProviderAverage Monthly Premium
Travelers$115
Nationwide$122
National General$144
State Auto$164
Progressive$165
Liberty Mutual$169
Dairyland$179
Bristol West$194
CSAA$356
Metromile$93
Mile Auto$107
Foremost GroupSelect℠$117
Kemper Preferred$121
Clearcover$139
Grange$143
Plymouth Rock$148
Safeco$155
Direct Auto$166
Verti$173
Midvale Home & Auto$176
Acuity$193
SafeAuto$194
The General$245
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How are insurance rates calculated in Pennsylvania?

Auto insurance providers in Pennsylvania consider a number of factors and personal driver information when calculating insurance rates. Relevant factors include driving history, credit history, marital status, gender, age, vehicle type, coverage level, and more. Pennsylvania is a large state, so auto rates will vary on a city-by-city basis depending on area-specific influences.

Pennsylvania Car Insurance Rates by City

Pennsylvania’s state average auto insurance rate is $177 per month, but individual rates fluctuate depending on the driver’s city of residence. Cost variations by city occur due to area-specific factors, like crime rates, road infrastructure, population, weather, and climate. Find the average monthly premiums for the state’s most populated cities in the chart below.

CityAverage Monthly Premium
Abington$190
Allentown$178
Altoona$143
Bensalem$203
Bethlehem$162
Bristol$177
Erie$161
Harrisburg$152
Haverford$210
Lancaster$151
Middletown$143
Millcreek Township$121
Philadelphia$274
Pittsburgh$172
Reading$171
Scranton$146
State College$136
Upper Darby$255
Wilkes-Barre$150
York$152
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

What is the average cost of car insurance in Pennsylvania by credit tier?

Like in most states, Pennsylvania law allows insurance providers to factor in policyholder credit scores when determining auto insurance rates. It’s common for auto insurers to view drivers with poor and average credit as higher-risk policyholders. Pennsylvania drivers with poor and average credit currently pay $19 more monthly on average than those with excellent credit.

Credit TierAverage Monthly Premium
Poor Credit$184
Average Credit$184
Good Credit$182
Excellent Credit$165

What is the average cost of car insurance in Pennsylvania by driver age?

Teen drivers with brand-new driver’s licenses and policyholders under the age of 25 consistently pay the most for car insurance coverage due to their high-risk status as relatively inexperienced drivers. Pennsylvania drivers earn lower rates as they age through their 60s, with average rates only slightly increasing for policyholders in their 70s, 80s, and beyond.

Average Cost of Car Insurance in Pennsylvania by Driver Age
Drivers under 25$264
20s$213
30s$160
40s$163
50s$149
60s$133
70s$138
80s and older$135
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

What is the average cost of car insurance in Pennsylvania by driver gender?

According to national statistics, women in the United States are more likely to be safe drivers than men, especially men under the age of 30. Men, on the other hand, are more likely to purchase larger or more expensive cars than women. These factors result in women paying slightly lower rates than men. In Pennsylvania, men pay $4 more per month on average.

Average Monthly Quote for Women in PennsylvaniaAverage Monthly Quote for Men in Pennsylvania
$179$183
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

What is the average cost of car insurance in Pennsylvania by marital status?

Married couples in Pennsylvania spend $21 less per month on average for auto insurance than single individuals. These cost variations likely have to do with auto insurers perceiving married couples as more reliable and financially secure than single individuals. Despite this, individual rates largely depend on driving history, chosen coverage, and more.

Average Monthly Quote for Singles in PennsylvaniaAverage Monthly Quote for Married Couples in Pennsylvania
$186$165
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

What is the average cost of car insurance in Pennsylvania for high-risk drivers?

Good drivers with clean driving records consistently earn the lowest rates on auto insurance. Auto insurers charge the highest rates for policyholders with a recorded DUI, at-fault accident, or speeding ticket. High-risk drivers with recorded accidents or other incidents are seen as more likely to cost their insurance provider additional money, but rates vary by driver and auto insurer.

Driver ProfileAverage Monthly Premium in Pennsylvania
Clean Record$165
DUI$186
At-Fault Accident$211
Speeding Ticket$210
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Pennsylvania Car Insurance Rates by Coverage Level

Adhering to state minimum coverage limits for bodily injury liability and property damage liability prevents drivers from being uninsured motorists and provides the cheapest coverage option in state. More robust policies like comprehensive coverage, collision coverage, and full-coverage car insurance cost more per month but provide much more protection for the driver.

Coverage LevelAverage Monthly Premium in Pennsylvania
Liability Only$125
Comprehensive$148
Collision$189
Full Coverage$212
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Minimum Car Insurance Requirements in Pennsylvania

All motor vehicles operated or parked on Pennsylvania roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Pennsylvania[1] are:

  • $15,000 per person for bodily injury
  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Pennsylvania is a choice no-fault state, meaning each parties’ own insurance provider will pay for medical expenses, regardless of which party caused the accident. But drivers can opt out of this system.

  • $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $5,000 per accident for medical benefits

Medical benefits, similar to PIP coverage, will cover the policyholder for medical expenses they incur in the event of an accident, regardless of fault. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Tips for Getting the Cheapest Car Insurance in Pennsylvania

Shopping around for car insurance quotes from a wide variety of insurance providers is one of the most reliable ways to earn savings on auto insurance. With the Insurify quote-comparison tool, you can easily compare dozens of cheap quotes from the top national and regional providers available in Pennsylvania. Give it a try today to discover how much you can save.

Frequently Asked Questions

  • Yes, auto insurance rates vary depending on the policyholder’s city or county of residence. Premiums fluctuate based on a number of area-specific factors that influence risk levels, including crime rates, population, weather, infrastructure, and climate. Cities in Pennsylvania with average rates on the costlier side include Philadelphia, Bensalem, and Upper Darby.

  • On average, Pennsylvania drivers spend $177 per month and $2,124 per year on auto insurance. Individual rates vary on a driver-by-driver basis, depending on driving history, credit history, marital status, age, gender, and vehicle type. Depending on the insurance provider, rates are also influenced by chosen coverage levels, set deductibles, and discount eligibility.

  • Average insurance rates in Pennsylvania are $177 monthly ($2,124 yearly), which is lower than the national average of $233 monthly ($2,796 yearly). Individual rates vary by chosen auto insurer, coverage policy, driver history, renters or home bundling decisions, and more. The cheapest option is to purchase state minimum liability coverage.

  • Comparing numerous car insurance quotes prior to purchasing or renewing an auto insurance policy increases your chances of finding the best rates. With the Insurify quote-comparison tool, you can easily compare cheap rates from regional and national providers like Allstate and GEICO. Give it a try today from the comfort of home to learn how much you can save.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Katie Powers
Katie Powers
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Insurance Writer

Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

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Sources

  1. Pennsylvania Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022