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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 20, 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 A full coverage car insurance policy costs around $2,428 a year or $202 per month for Pennsylvania drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $421 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. 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 012345 1 of 6 Average car insurance cost in Pennsylvania Drivers in Pennsylvania generally pay an average of $202 per month or $2,428 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $35 or $421 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in PennsylvaniaIf you’re looking for affordable insurance, Travelers tops the list of the cheapest car insurance companies. Its average annual cost is $1,423 per year or $119 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Nationwide also provides affordable insurance rates in Pennsylvania for a full coverage policy at an average annual insurance cost of $1,809 or $151 monthly.While these companies offer some of the lowest average premiums in Pennsylvania, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. 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 Minimum$540/year Liability coverage$999/year Full Coverage$2,636/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered 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 cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Philadelphia, Allentown or Reading, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like York or Harrisburg pay significantly low insurance rates, on average between $2,068 and $2,124 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.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 your first insurance policy or just moved to Pennsylvania, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Pennsylvania must carry at least the following minimum liability coverage:Bodily injury per person: $15,000Bodily injury per accident: $30,000Property damage liability: $5,000Cheapest cars to insure in PennsylvaniaInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Honda HR-V has the lowest premium, at an average of $2,052 a year, closely followed by Honda CR-V, with an average annual car insurance cost of $2,096.The table below shows the cheapest cars to insure and their average annual 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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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