Average Car Insurance Cost in Pennsylvania (Annual and monthly Rates)

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The average premium for car insurance in Pennsylvania is $1,445 per year or $120 per month. In contrast, the national average is $1,682. There is a difference of $237 less between the national average and the state average.

There are a range of factors that affect car insurance rates, including age group, gender, driving history, credit score, and location where you live.

Learn about the average rate of full coverage, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Pennsylvania, and car insurance rates by age group.

Summary of average car insurance cost in Pennsylvania
Average annual cost $1,445	Average per month cost $120	Average cost for state minimum coverage $398 / Year
Cheapest car insurance company Nationwide ($821/ Year)	Average cost for young drivers $2,630 / Year	Average cost for senior drivers $1,373 / Year

Key Takeaways

The average car insurance cost in Pennsylvania is $1,445 per year, based on Insure.com’s analysis.
In Pennsylvania, the average premium for car insurance is $120 per month.
Nationwide has the cheapest car insurance rates in Pennsylvania, at an average annual rate of $821 a year.

Average car insurance cost in Pennsylvania per month

In Pennsylvania, the average premium for car insurance is $120 per month.

The price for the same coverage may differ between companies. When looking for car insurance rates in Pennsylvania, get quotes from many insurers.

As per the rate analysis conducted by Insure.com, the company that offers the cheapest car insurance premiums in Pennsylvania is Nationwide. The average annual cost is $821, while the average monthly cost is $68. The second-best option available is Travelers, offering insurance at an average per month cost of $85.

The table below lists the other available car insurance companies that offer car insurance in Pennsylvania, along with their average cost per month and average annual cost.

Company name	Average per month cost	Average annual cost
Nationwide	$68	$821
Travelers	$85	$1,020
State Farm	$100	$1,195
Erie Insurance	$102	$1,229
Auto-Owners	$103	$1,237
Geico	$113	$1,352
Allstate	$117	$1,400
USAA	$121	$1,448
Progressive	$133	$1,598
Farmers Insurance	$262	$3,148

Read our guide to the best car insurance companies.

Average cost of car insurance by coverage levels in Pennsylvania

The amount of coverage you purchase impacts how much car insurance costs in Pennsylvania. Your premium is determined by your liability limits and whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average annual cost in Pennsylvania is $501.

When you add more coverage to your policy, your insurance premium increases. The insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Pennsylvania is $1,445 per year.

Non-owner state minimum liability coverage is best suited for someone who does not own the car but frequently rents a car. It is like liability-only coverage and covers property damage and bodily injury caused to another driver. In Pennsylvania, the average annual cost for non-owner state minimum liability only is $337.

Those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage to drive legally in the state. The state minimum liability only coverage costs $398 per year in Pennsylvania.

Coverage limits	Average annual cost
50/100/50 Liability Only	$501
100/300/100 Liability with $500 Comp/Coll Deductible	$1,445
Non-Owner State Minimum Liability Only	$337
State Minimum Liability Only	$398

Average car insurance cost in Pennsylvania by city

Your car insurance premium is determined by various factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Pennsylvania:

City	Average annual cost
Philadelphia	$2,638
Pittsburgh	$1,464
Allentown	$1,499
Erie	$1,436
Reading	$1,413
Scranton	$1,470
Bethlehem	$1,409
Lancaster	$1,333
Harrisburg	$1,295
York	$1,254

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 city

Average car insurance cost in Pennsylvania by age

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Pennsylvania is $2,630, while for seniors is $1,373. Here, the rate for young drivers is $1,257 more than for senior drivers.

Statistics show that young drivers are more likely to be in a vehicle accident than experienced drivers. As a result, they are deemed high-risk and costly to insure. However, premiums start to rise again at about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Pennsylvania for young drivers

The average car insurance cost for female young drivers in Pennsylvania is $2,630 per year or $219 per month and rate for a male young driver is $2,630 per year or $219 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
18	$5,169	$5,169
19	$3,904	$3,904
20	$3,570	$3,570
21	$2,757	$2,757
22	$2,440	$2,440
23	$2,279	$2,279
24	$2,105	$2,105
25	$1,783	$1,783

Average car insurance cost in Pennsylvania for senior drivers

In Pennsylvania, the cost of car insurance for senior female driver is $1,373 per year or $114 per month and cost of car insurance for male senior driver is $1,373 per year or $114 per month.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,313	$1,313
70	$1,394	$1,394
75	$1,534	$1,534

Minimum car insurance requirements in Pennsylvania

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Pennsylvania Department of Insurance, the following are the required coverages and minimum coverage limits in Pennsylvania:

Bodily injury per person: $15,000
Bodily injury per accident: $30,000
Personal property coverage per person: $5,000

Cheapest cars to insure in Pennsylvania

The Hyundai Venue SE has the lowest average annual insurance premium at $1,187, followed closely by the Chrysler Voyager LX at $1,209. The difference in the cost of insuring these two models is $22 annually.

Make	Model	Average annual premium
Hyundai	Venue SE	$1,187
Chrysler	Voyager LX	$1,209
Mazda	CX-30 S	$1,210
Toyota	C-HR Limited	$1,213
Subaru	Forester 2.5I	$1,228
Subaru	Crosstrek 2.0I	$1,233
Ford	Transit Connect Titanium	$1,253
Kia	Seltos EX	$1,260
Subaru	Outback 2.5I	$1,264
Honda	HR-V EX	$1,264

Most expensive cars to insure in Pennsylvania

The most expensive car to insure on the list is the Maserati Levante Trofeo, which has an average annual premium of $4,334. However, the difference between the cheapest and most expensive cars to insure is $3,147 annually.

Make	Model	Average annual premium
Maserati	Levante Trofeo	$4,334
Maserati	Quattroporte	$3,776
Porsche	Taycan Turbo S	$3,602
Porsche	718 Boxster Spyder	$3,542
Tesla	Model S Plaid	$3,441
Audi	RS6 Avant Quattro	$3,419
Porsche	Panamera 4 E-Hybrid	$3,352
Audi	R8 5.2L V10 Quattro Performance	$3,267
BMW	M8 Competition XDrive	$3,232
BMW	M850i XDrive	$3,209

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits: