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7+ years in personal finance writing
Certified Financial Education Instructor
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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The average cost of car insurance in Pennsylvania for teens is $217 per month compared to $125 per month for all drivers, according to Insurify data.
State Farm offers some of the most affordable full-coverage rates for teen drivers in Pennsylvania, at $157 per month, along with a wide range of young-driver discounts.
From 2020 to 2024, 78,266 crashes in Pennsylvania involved at least one driver aged 16–19.
The average cost of car insurance for teens in Pennsylvania is $157 per month for liability coverage and $279 per month for a full-coverage policy. While this data is for individual policies, it’s often cheaper to keep your teen on the family policy.
For example, while a full-coverage policy for a teen costs an average of $279 per month, it only costs $209 per month if they join a family policy, according to Insurify data.
The table below shows the average full-coverage and liability-only rates for teens in Pennsylvania.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $155 | $94 |
| Erie | $171 | $103 |
| Auto-Owners | $203 | $122 |
| Allstate | $208 | $116 |
| GEICO | $229 | $138 |
| National General | $242 | $110 |
| Liberty Mutual | $249 | $215 |
| Root | $250 | $155 |
| Travelers | $253 | $152 |
| Safeco | $259 | $161 |
| First Acceptance | $260 | $104 |
| Progressive | $260 | $115 |
| Bristol West | $289 | $157 |
| USAA | $302 | $180 |
| Direct Auto | $310 | $156 |
| GAINSCO | $384 | $215 |
| Chubb | $389 | $233 |
| The General | $435 | $120 |
| Dairyland | $455 | $186 |
| State Auto | $529 | $318 |
| CSAA | $581 | $390 |
Liability policies for PA teens average $147/mo.
State Farm, Erie, and Auto Owners are our top three picks for the best car insurance companies for teens in Pennsylvania. We chose these insurers based on several factors, including rates, teen-friendly features, and claims and customer satisfaction ratings.
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $82/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm offers some of the most affordable rates for teen drivers in Pennsylvania. The company also offers a wide range of ways to save, with several discounts for young drivers. Students can save up to 25% if they maintain good grades. There’s also a driver training discount, a student away-at-school discount, and discounts based on driving habits.
Several teen discounts
AM Best financial strength rating of A+ (Superior)
Large network of local agents in Pennsylvania
Low Trustpilot rating
Gap insurance not available
Accident forgiveness coverage not available
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $96/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
If you want to work with a local insurer, Erie operates out of Pennsylvania. The company has a number of local agents to help you and your teen find the right insurance for your needs. Founded in 1925, it has extensive experience with state laws, local weather, and driving risks.
Based in Pennsylvania
High J.D. Power claims satisfaction rating
Save up to 20% with teenSMART course
Not available in all U.S. states
Low Trustpilot rating
Online quotes not available
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $62/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
With Auto-Owners, you can save on teen auto insurance with a range of discounts for young drivers.
Good students can save up to 20% on car insurance premiums if they maintain a GPA equivalent of “B” or better. Students who attend a school more than 100 miles away without a car can also save. The Teen Driver Monitoring discount is for drivers who participate in Auto Owners’ telematics program.
High J.D. Power claims satisfaction rating
Several teen discounts available
Wide range of local independent agents in Pennsylvania
Can’t purchase a policy online
Low Trustpilot rating
Not available in all U.S. states
Many Pennsylvania car insurance companies offer discounts aimed at teen drivers. These discounts vary between insurers, so it’s best to compare them when looking for coverage.
Some common discounts for Pennsylvania teens and families include:
Good student discount: If your teen is attending high school or one of Pennsylvania’s post-secondary schools and can maintain good grades, they might qualify for a good student discount.
Telematics discount: Telematics programs track teen driving behaviors and may provide discounts for safe driving habits.
Student away at school discount: If your teen goes to school in another state and leaves their car at home, they might be eligible for a reduced rate.
Driver training discount: Certain school districts may provide a driver training course for teens in Pennsylvania.[1] But teens who take an approved driver’s education course might qualify for a discount.
Multi-car discount: Adding a teen to the family policy is usually cheaper than buying a separate policy. Plus, if you’re one of the 9.6% of families in Pennsylvania who own multiple vehicles (according to Insurify data), your family might qualify for a multi-car discount.
Bundling discount: Combining your auto insurance with homeowners, renters, or business insurance can help lower your premiums.
Check quotes from 120+ top insurance companies
In Pennsylvania, vehicle crashes are the leading cause of death among teens. From 2020 to 2024, there were 78,266 crashes involving at least one driver between the ages of 16 and 19, according to state data.[2]
Because teen drivers have less experience and get into crashes more often than other drivers, insurers generally view them as a higher risk and charge higher premiums.
Pennsylvania’s insurance laws can also increase costs. The state is a choice no-fault state. This means you can choose between limited and full tort coverage. Families who choose full tort pay higher premiums in exchange for broader rights to sue for pain and suffering after an accident.
Minimum requirements in Pennsylvania include $5,000 in medical benefits coverage in addition to liability coverage. This adds to the overall cost of a teen’s insurance policy.[3]
Some key cost factors for teen drivers in Pennsylvania include:
Age
Limited driving experience
Driving record
High crash rates
Coverage types and amount
Vehicle type
In Pennsylvania, all drivers must meet minimum-coverage limits, which include medical benefits coverage, bodily injury liability coverage, and property damage liability coverage.
The following table shows the coverage types and minimum requirements for Pennsylvania drivers.
Coverage Type | Minimum Amount | Required or Optional? |
|---|---|---|
| Medical benefits | $5,000 | Required: Pays the medical bills for you and those covered under your policy |
| Bodily injury liability | $15,000 per person / $30,000 per accident | Required: Pays if you injure someone else in an accident |
| Property damage liability | $5,000 | Required: Pays if you damage someone’s property |
Pennsylvania teens can apply for their learner’s permit at age 16. Before earning their junior driver’s license, they must hold their permit for six months and have 65 hours of supervised driving experience.
With Pennsylvania’s graduated driver licensing program, young drivers can’t drive between 11 p.m. and 5 a.m. and can only drive with one non-family member younger than 18 for the first six months. Teens can qualify for their full, unrestricted license once they turn 18.[4]
In general, if a law enforcement officer catches you driving uninsured in Pennsylvania, you may face the following penalties and expenses:[5]
Minimum $300 fine
Three-month suspension of your vehicle registration
Three-month driver’s license suspension
$119 to restore your registration
$94 fee to restore your license
If the state classifies your teen as a high-risk driver (with six or more points) or convicts them of a high-speed violation, it may suspend their license for 90 days.
Pennsylvania teens pay some of the highest insurance premiums. But below are ways to lower your costs, including:
Compare multiple insurers. Comparing quotes from multiple insurance companies in Pennsylvania is a quick way to save money. Rates for young drivers can vary significantly between insurers, especially in larger urban areas like Philadelphia and Allentown.
Complete a driver’s education course. Many Pennsylvania insurers offer discounts to eligible teens who complete an approved driver’s education course.
Maintain good grades. Students who can maintain good grades may be able to save with a good student discount.
Consider limited tort coverage. Choosing limited tort coverage can result in lower premiums. But you give up your rights to seek compensation for pain and suffering after an accident. Understand the trade-offs before making your decision.
Add your teen to the family policy. It’s typically cheaper to add a teen driver to your existing policy than to purchase separate coverage.
Find a policy for your teen driver
It’s generally cheaper for your teen to join your family policy than to buy their own.
For example, the average annual cost of an individual full-coverage policy for a teen in Pennsylvania is $3,342. The average annual cost of a family policy is only $2,507.
If your teen is younger than 18, they can buy their own insurance policy but may need written consent from a parent or guardian, depending on your insurer.
The following table shows the average monthly and yearly costs in Pennsylvania for teens on their own policy and teens on a family policy.
Policy Type | Average Monthly Cost | Average Yearly Cost |
|---|---|---|
| Teen on family policy | $209 | $2,507 |
| Teen on own policy | $279 | $3,342 |
| Cost difference | $70 | $835 |
A separate policy might make more sense in a few scenarios.
For example, let’s say your teen owns their vehicle and moves to a different city to start a new job rather than attend school.
If the vehicle’s title and registration are in your teen’s name, the insurer might require them to have their own insurance. Since your teen lives in a different city, they might not qualify as a household member under your policy.[6]
To help you find the best car insurance in Pennsylvania for teens, below is more information about coverage in the Keystone State.
Average rates for a new driver in Pennsylvania are $157 per month for liability-only coverage and $279 per month for a full-coverage policy, according to Insurify data. Your teen’s rates vary based on individual factors like age and location, as well as the amount and type of coverage you choose.
The best insurance for a first-time driver can vary based on individual factors like age and location. Generally, it’s cheaper for first-time drivers to join their parents’ policy instead of purchasing a separate insurance policy.
Many individual factors affect the cost of insurance for a young driver, including age, driving experience, ZIP code, and credit history. Whether you choose to add your teen to your policy or purchase a separate policy can also affect the cost. Adding a teen to the family policy is typically more affordable.
New drivers can find some of the best car insurance rates with State Farm and Erie. Both companies offer some of the cheapest average premiums for liability-only and full-coverage insurance in Pennsylvania, according to Insurify data.
Car insurance discounts vary between Pennsylvania insurers. Some common discounts for teen drivers include good student, driver training, student away at school, and discounts based on driving habits. Many insurers also offer multi-policy discounts and multi-vehicle discounts to help families save.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Certified Financial Education Instructor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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