Car insurance calculator for teens in Pennsylvania

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Car insurance for teens in Pennsylvania is more expensive than it is for older drivers, but costs depend on several factors, including age, gender, coverage limits, and the insurer you choose. Knowing the averages in your state can help you budget, compare quotes, and find the best option for your family.

Use our calculator to estimate what car insurance might cost for your teen in Pennsylvania. Having a ballpark figure makes it easier to budget, compare quotes, and choose the coverage that works best for your family.

Car insurance calculator for state teens

State

Pennsylvania

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Gender

Male

Male Female Non-binary

Age

16

16171819

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.

Average teen car insurance costs in Pennsylvania, by gender

In most states, car insurance rates differ by gender, though California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania prohibit the practice. In Pennsylvania, a 16-year-old male pays about $7,080 per year, compared to $7,071 for a female of the same age – a difference of $9.

According to the most recent data from the Insurance Institute for Highway Safety, a total of 3,048 teenagers ages 13-19 lost their lives in motor vehicle crashes in 2023, with two of every three teenagers who died in crashes in 2023 being males.

These crash trends help explain why teen boys usually face higher insurance costs than girls. Because young men are more likely to be in serious accidents, insurers factor that added risk into their rates.

The table below shows car insurance rates for teens by gender in Pennsylvania.

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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 coverage requirements for teens in Pennsylvania

In Pennsylvania, teen drivers must meet the same minimum liability requirements as adults:

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

These limits are designed as a baseline, but they may not be enough to cover serious accidents. Many families choose higher limits for more protection when adding a teen driver.

If the car is financed or leased, comprehensive and collision coverage are also required. These cover damage to your own car from accidents, theft, or weather.

Smart ways to save on car insurance for your teen

From choosing the right car to asking about discounts, taking a few smart steps can make coverage more affordable while keeping your teen safe on the road.

• Estimate the cost of coverage. Look up what families typically pay for teen drivers in your state. Having that ballpark figure helps you budget ahead of time and spot whether the quotes you receive are higher or lower than average.
• Buy a safer vehicle. A safe, reliable sedan will cost much less to insure than a flashy sports car or a luxury vehicle.
• Buy a full coverage policy. Basic liability is cheaper, but many families choose higher coverage for teens to protect against the bigger risks of accidents, costly vehicle repairs, or injuries to others.
• Ask about discounts. Many insurers offer savings if your teen gets good grades, takes a defensive driving course, or drives fewer miles.
• Talk to your teen about the responsibility that comes with driving. Bring your teen into the insurance conversation so they see that driving isn’t just about freedom-it’s about responsibility. Talking openly about risks and safety can help them make better choices behind the wheel that could protect their life and others on the road.
• Review your rates each year: As your teen gains experience and maintains a clean driving record, insurance costs often go down-making it worth checking your policy annually.

Giving your teen a safe start on the road

Adding a teen driver to your policy will raise costs at first, but rates typically decline as they gain experience.

You can keep expenses under control by comparing quotes, bundling policies, and taking advantage of discounts. More importantly, the right coverage helps your teen build confidence and keeps your family financially protected as they start driving.

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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