Car insurance calculator for teens in Pennsylvania

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Car insurance for teens in Pennsylvania costs more than it does for older drivers, but the price depends on factors like age, gender, coverage limits, and the insurer you choose. Knowing the state averages can help you budget, compare quotes, and figure out what’s realistic for your family.

Use our calculator to estimate what you might pay to insure your teen in Pennsylvania. Getting a personalized estimate can help you budget with confidence, compare against state averages, and decide which coverage and insurer are the best fit.

Car insurance calculator for state teens

State

Pennsylvania

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Gender

Male

Male Female Non-binary

Age

16

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Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

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Average annual rates for state teen drivers

$7,100 Average rate

$10,493 Highest
rate

$3,469 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Allstate	$10,493
USAA	$9,729
State Farm	$9,261

Least expensive companies for auto insurance in ()

Company	Average annual rate
Travelers	$3,469
Westfield Insurance	$5,038
Erie Insurance	$5,077

Average teen car insurance costs in Pennsylvania

On average, insuring a teen driver in Pennsylvania costs $5,589 per year for a policy with 100/300/100 coverage limits – that’s $100,000 for one person injured in an accident, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Because teens are new to the road, insurers view them as higher risk, which makes their premiums much steeper than those of adults.

Your rate may also change based on the coverage you select, the type of car your teen drives, and where you live. Families in Pennsylvania can save money by asking about good student discounts, signing up teens for a driving course, or adding them to an existing family policy.

Teen car insurance costs in Pennsylvania, by age

Premiums drop as teens gain experience. For example, a 16-year-old in Pennsylvania with full coverage pays an average of $7,076 per year. By 19, the average rate is $4,161.

Though still higher than adult premiums, the steady decline shows how added years of driving lead to more affordable coverage.

See the table below for average teen car insurance costs in Pennsylvania by age.

Teen car insurance rates in Pennsylvania, by gender

In most states, insurers set rates differently for male and female drivers, though California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania prohibit this. In Pennsylvania, a 16-year-old male pays around $7,080 per year, compared to $7,071 for a female – a difference of $9.

Crash data helps explain the gap. According to the Insurance Institute for Highway Safety, 3,048 teens ages 13-19 lost their lives in motor vehicle crashes in 2023, and two out of three were male. Because young men are more likely to be in serious accidents, insurers factor that risk into their rates.

The table below shows average teen car insurance rates in Pennsylvania by gender.

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Cheapest car insurance companies for teen drivers in Pennsylvania

Car insurance for teens is expensive everywhere, but some companies consistently offer lower rates. That’s why comparing quotes is the best way to find the most affordable coverage for your family.

In Pennsylvania, Travelers offers the lowest rates for drivers ages 16-19, averaging $2,658 per year for full coverage with 100/300/100 limits and $500 deductibles.

The next lowest average premium comes from Westfield Insurance, at $4,156.

See the table below for the cheapest companies offering teen car insurance in Pennsylvania.

Minimum car insurance requirements for teens in Pennsylvania

Like adults, teen drivers in Pennsylvania must carry at least the state’s minimum liability coverage:

• $15,000 per person for bodily injury
• $30,000 per accident for bodily injury
• $5,000 for property damage

These minimums provide only basic protection, and medical care or repairs costs can quickly exceed them. That’s why many families choose higher coverage – especially when adding a teen driver.

Lenders will also require comprehensive and collision coverage if your car is financed or leased. These cover damage to your own vehicle after an accident, theft, or severe weather.

Smart ways to save on car insurance for your teen

There’s no avoiding the fact that insuring a teen driver costs more, but you can take steps to manage the expense while keeping them safe on the road:

• Check state averages. Knowing what families typically pay in your state gives you a ballpark figure to budget and compare against quotes.
• Choose the right car. A safe, reliable sedan is far cheaper to insure than a luxury or sports car.
• Consider full coverage. Liability is cheaper, but full coverage offers better protection against accidents, injuries, and costly repairs.
• Ask about discounts. Many insurers reward good grades, defensive driving courses, or low mileage with lower rates.
• Talk with your teen. Driving isn’t just freedom – it’s responsibility. Open conversations about risks and safety can encourage habits that save lives.
• Review your rates each year. Premiums usually drop as your teen gains experience and keeps a clean record, so it’s worth checking annually.

Helping your teen start off safely on the road

Adding your teen to your car insurance policy will raise your rates at first-but it won’t last forever. As they gain experience and prove themselves as safe drivers, premiums usually go down year by year.

You can ease the cost by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules. It’s about giving them a safe, confident start on the road while protecting your family financially.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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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