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: January 7, 2026 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 live in Pennsylvania, you can expect to pay an average of around $202 per month for full coverage car insurance, or $2,428 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $35 monthly or $421 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $2,428 / Year 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 012345 1 of 6 Average car insurance cost in Pennsylvania If you’re a resident of Pennsylvania, full coverage car insurance typically costs about $202 per month, adding up to $2,428 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $35, or $421 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in PennsylvaniaTravelers provides the lowest full coverage rates, for an average cost of $1,423 per year or $119 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Nationwide also offers affordable insurance coverage to Pennsylvania drivers at an average cost of $1,809 a year or $151 per month.Although these insurers offer some of the most affordable average rates in Pennsylvania, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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: *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 cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $35 a month, or about $421 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Pennsylvania pay around $202 per month, or roughly $2,428 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.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 cityCar insurance rates can vary widely depending on where you live, even within Pennsylvania.Cities like Philadelphia, Allentown, or Reading tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like York or Harrisburg, with average annual premiums between $2,068 and $2,124.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.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 plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Pennsylvania for full coverage, depending on your age and gender.Average car insurance cost in Pennsylvania for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Pennsylvania, 20-year-old male drivers pay an average of $4,856 per year for car insurance, while their female counterparts pay $4,856 for the same coverage.However, by age 25, average car insurance costs drop to about $2,950 per year for male drivers and $2,950 for female drivers.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 per year for full coverage, or $203 each month. Female drivers of the same age pay $2,438 annually or $203 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.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 driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,121 per year, and women pay $2,121.By age 70, those averages increase to $2,334 for men and $2,334 for women. At 75, premiums rise again, reaching $2,623 for male drivers and $2,623 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely 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 buying insurance for the first time or moving to a new state, understanding the required liability limits in Pennsylvania can help you avoid fines and make smarter choices about your coverage.Drivers in Pennsylvania must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $15,000Bodily injury per accident: $30,000Property damage liability: $5,000Cheapest cars to insure in PennsylvaniaThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Honda HR-V is one of the cheapest cars to insure in Pennsylvania, with an average premium of $2,052 per year. Honda CR-V has an average annual cost of $2,096.The table below shows the cars with the lowest average insurance rates.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 tops the list as the most expensive car to insure in Pennsylvania, at an average annual cost of $6,234. Below is a list of the most expensive vehicles to insure in Pennsylvania and their average annual premiums.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 costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your 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