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Nationwide provides the cheapest full coverage car insurance in Pennsylvania at about $821 a year. Your specific rates may vary, but the average full coverage car insurance premium in Pennsylvania is $120 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and Pennsylvania is no exception. Pennsylvania drivers are required to carry at least the minimum amount of liability coverage—$5,000 of personal property coverage per person, $15,000 for bodily injury per person and $30,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in Pennsylvania?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in Pennsylvania, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in Pennsylvania

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in Pennsylvania is 14% less than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

Cheapest full coverage car insurance rate in Pennsylvania by company

Nationwide offers the cheapest full coverage car insurance in Pennsylvania an average of $821 per year. It’s 43% less expensive than the average full coverage car insurance cost in Pennsylvania. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

CompanyFull coverage insurance cost
Nationwide$821
Travelers$1,020
State Farm$1,195
Erie Insurance$1,229
Auto-Owners$1,237
Geico$1,352
Allstate$1,400
USAA$1,448
Progressive$1,598
Farmers Insurance$3,148

Full coverage car insurance cost in Pennsylvania by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in Pennsylvania

Drivers living in the ZIP code 19142 pay the highest premiums at about $3,056 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in Pennsylvania.

ZIP codeFull coverage insurance cost
19142$3,056
19140$2,932
19121$2,906
19133$2,903
19139$2,889
19132$2,870
19143$2,863
19120$2,850
19122$2,844
19112$2,843

Least expensive ZIP codes for car insurance in Pennsylvania

17266 ZIP code in Pennsylvania has the cheapest full coverage auto insurance cost at an average price of $1,150 annually. Know the least expensive ZIP codes for car insurance in Pennsylvania below.

ZIP codeFull coverage insurance cost
17266$1,150
17257$1,162
16801$1,173
16851$1,173
16803$1,174
17222$1,174
16802$1,176
17201$1,179
17261$1,181
17232$1,183

Pennsylvania full coverage car insurance rate by age

Young drivers in Pennsylvania tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 446% more than a 40-year-old mature driver in Pennsylvania, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$5,769
Young drivers (age 20-24)$2,630
Adult drivers (age 25-64)$1,488
Senior drivers (age 65+)$1,386

Read our Guide to car insurance for teens for more information

Car insurance rates in Pennsylvania by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in Pennsylvania

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 16% or $235 in Pennsylvania, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
Travelers$1,008$1,26626%$258
Nationwide$891$1,30246%$412
Erie$1,253$1,3477%$93
Auto-Owners$1,337$1,4085%$71
State Farm$1,300$1,4189%$118
Allstate$1,447$1,4470%$0
Progressive$1,600$1,6584%$57
USAA$1,505$1,68212%$177
Geico$1,333$1,82637%$493
Farmers$3,409$4,08220%$673

Cheapest full coverage car insurance after an accident in Pennsylvania

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

Travelers offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1371 a year. Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
Travelers$1,008$1,37136%$362
Nationwide$891$1,47465%$583
State Farm$1,300$1,53618%$236
Erie$1,253$1,64331%$390
Auto-Owners$1,337$1,91343%$576
Allstate$1,447$1,94034%$492
USAA$1,505$2,21347%$708
Geico$1,333$2,22167%$888
Progressive$1,600$2,54759%$947
Farmers$3,409$9,000164%$5,591

Cheapest full coverage car insurance after a DUI conviction in Pennsylvania

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,300$1,4189%$118
Travelers$1,008$1,44643%$438
Allstate$1,447$1,4470%$0
Erie$1,253$1,93955%$686
Progressive$1,600$2,00125%$401
USAA$1,505$2,02234%$517
Nationwide$891$2,275155%$1,384
Geico$1,333$2,65499%$1,322
Auto-Owners$1,337$3,446158%$2,109
Farmers$3,409$9,000164%$5,591

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Pennsylvania.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.

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Nupur Gambhir
Managing Editor

 
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.