Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Pennsylvania Average car insurance cost in Pennsylvania In Pennsylvania, a full-coverage car insurance policy will cost you an average of $2,428 annually or $202 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: November 6, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re in Pennsylvania, your monthly cost for full coverage car insurance is $202, which adds up to $2,428 per year. For minimum coverage, expect to pay an average of $35 monthly, or $421 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. Average annual cost $2,428 Average per month cost $202 Average cost for state minimum coverage $586 / Year Cheapest car insurance company Travelers($1,423 / Year) Average cost for young drivers $3,981 / Year Average cost for Senior drivers $2,359 / Year Average car insurance cost in PennsylvaniaIf you live in Pennsylvania can expect to pay an average of $202 per month for full coverage car insurance – that’s $2,428 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $35 monthly or $421 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in PennsylvaniaTravelers has the cheapest rates, at an average annual cost of $1,423 or $119 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Nationwide also stands out for its affordable premiums, with an average cost of $151 per month or $1,809 annually.While these insurance companies have some of the lowest average rates in Pennsylvania, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Pennsylvania Graph Table Company nameAverage per month costAverage annual costTravelers$119$1,423Nationwide$151$1,809Erie Insurance$154$1,848Allstate$211$2,533Westfield Insurance$222$2,660Donegal Insurance$226$2,715State Farm$233$2,795GEICO$248$2,974Progressive$300$3,600USAA*$163$1,958*USAA is only available to military community members and their families.Powered by: Pennsylvania car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Pennsylvania Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Pennsylvania Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$965/year Full Coverage$2,780/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in PennsylvaniaYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $35 per month or $421 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Pennsylvania, drivers typically pay $202 per month or $2,428 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$421Liability only$586Full coverage$2,428Non-owner state minimum liability$352Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Pennsylvania by citySee rates in your cityAllentownPhiladelphiaPittsburghReading Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Pennsylvania by cityWhere you live in Pennsylvania can have a big impact on your car insurance rates.If you’re located in cities like Philadelphia, Allentown, or Reading, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like York and Harrisburg tend to pay much lower insurance premiums, between $2,068 and $2,124 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costYork$2,068Harrisburg$2,124Lancaster$2,176Bethlehem$2,257Erie$2,354Scranton$2,407Pittsburgh$2,427Reading$2,460Allentown$2,498Philadelphia$4,515Powered by:Average car insurance cost in Pennsylvania by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Pennsylvania, based on age and gender.Average car insurance cost in Pennsylvania for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Pennsylvania pays an average of $4,856 annually for car insurance, compared to $4,856 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,950 per year for male drivers and $2,950 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,856$4,85621$4,143$4,14322$3,859$3,85923$3,621$3,62124$3,420$3,420Powered by:Average car insurance cost in Pennsylvania for adult driversAn adult driver aged 25-60 in Pennsylvania pays $2,438 annually for full coverage, or around $203 each month. Women in the same age group pay $2,438 per year or $203 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,950$2,95030$2,606$2,60635$2,514$2,51440$2,428$2,42845$2,373$2,37350$2,280$2,28055$2,187$2,18760$2,174$2,174Powered by:Average car insurance cost in Pennsylvania for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,121 annually, while women pay $2,121.By 70, average rates go up to $2,334 for men and $2,334 for women. At age 75, costs increase further, reaching $2,623 for men and $2,623 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,121$2,12170$2,334$2,33475$2,623$2,623Powered by:Minimum car insurance requirements in PennsylvaniaWhether you’re purchasing a policy for the first time or relocating to Pennsylvania, it’s important to understand the state’s liability coverage requirements.Drivers in Pennsylvania must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $15,000Bodily injury per accident: $30,000Property damage liability: $5,000Cheapest cars to insure in PennsylvaniaYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Honda HR-V tops the list for cheapest car to insure in Pennsylvania at an average cost of $2,052 a year, followed closely by Honda CR-V at $2,096 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumHonda HR-V$2,052Honda CR-V$2,096Volkswagen Tiguan$2,096Ford Ranger$2,131Mini Cooper Countryman JCW$2,146Subaru Outback$2,146Subaru Impreza$2,167Volkswagen Taos$2,171Honda Odyssey$2,184Mazda CX-5$2,186Powered by:Most expensive cars to insure in PennsylvaniaPorsche Taycan stands out as the most expensive car to insure in Pennsylvania, with an average annual cost of $6,234.The table below shows the most expensive vehicles to insure in Pennsylvania along with their average annual insurance costs.Make ModelAverage annual premiumPorsche Taycan$6,234Porsche Taycan Cross Turismo$6,152Maserati Quattroporte$6,082Audi e-tron GT$6,044BMW M8 Gran Coupe$6,034Audi RS6$5,632Tesla Model S$5,603Audi RS7$5,595Nissan GT-R$5,582Maserati Ghibli$5,494Powered by:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in PennsylvaniaCheapest car insurance companies in PennsylvaniaAverage cost of car insurance by coverage levels in PennsylvaniaAverage car insurance cost in Pennsylvania by cityAverage car insurance cost in Pennsylvania by ageMinimum car insurance requirements in PennsylvaniaCheapest cars to insure in PennsylvaniaMost expensive cars to insure in PennsylvaniaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330