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 car insurance costs for teens in Pennsylvania

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

Teens face higher premiums than young adults or older drivers because they lack experience. Insurers see them as higher risk, which makes coverage more expensive.

Costs also vary depending on the coverage you choose, the type of car your teen drives, and your ZIP code. Families in Pennsylvania can often save by using good student discounts, enrolling teens in driver training programs, or adding them to an existing family policy instead of buying separate coverage.

Teen car insurance rates in Pennsylvania, by age

Rates change quickly as teens get older. For example, a full coverage policy for a 16-year-old in Pennsylvania averages $7,076 per year. At 19, the average falls again to $4,161.

Premiums are still higher than those for adult drivers, but the steady decline shows how experience behind the wheel helps bring costs down over time.

See the table below for average teen car insurance rates 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 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.

Ways to save on teen car insurance in Pennsylvania

While teen premiums are high, there are steps you can take to lower costs without cutting back on safety:

• Check averages first. Knowing what others pay in your state helps you budget and spot quotes that are too high.
• Choose a practical car. A safe, modest sedan is much cheaper to insure than a luxury or sports model.
• Go beyond liability. Full coverage is pricier but offers better protection against accidents, injuries, and damage.
• Use discounts. Good grades, safe driving programs, and low mileage can all reduce premiums.
• Talk about responsibility. Help your teen understand that safe driving protects both lives and finances.
• Review each year. Rates usually drop as teens gain experience and keep a clean record, so revisit 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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