Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Travelers offers the most affordable car insurance at $952 per year.
This guide makes buying car insurance in Pennsylvania easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Pennsylvania works and how much coverage you need.
- Travelers provides the most affordable annual rates for full coverage car insurance in Pennsylvania, costing $952 per year.
- In Pennsylvania, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in Pennsylvania costs around $375 annually for limits of 15/30/5, while liability-only coverage costs $504 per year for limits of 50/100/50.
- In Pennsylvania, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 17%, a DUI raising rates by 60%, and an at-fault accident by up to 31%.
How much is car insurance in Pennsylvania?
In Pennsylvania, drivers pay an average of $156 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Pennsylvania by coverage level
Car insurance costs in Pennsylvania can differ based on the coverage limit. To legally drive, Pennsylvania residents must adhere to the minimum liability limits of 15/30/5.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Pennsylvania, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Pennsylvania for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $31 | $375 |
| Liability Only – 50/100/50 BI/PD | $42 | $504 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $156 | $1,872 |
State minimum car insurance in Pennsylvania
Pennsylvania’s car insurance laws require a minimum coverage of $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident and $5,000 in property damage liability.
The state minimum car insurance cost in Pennsylvania is $375 a year. However, this basic coverage only offers limited protection. Pennsylvania drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Pennsylvania must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Pennsylvania
Liability-only car insurance costs $504 in Pennsylvania for coverage limits of 50/100/50, according to CarInsurance.com data.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Pennsylvania
On average, premiums for full coverage car insurance in Pennsylvania cost $1,872 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Pennsylvania
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, people living in higher-risk neighborhoods of Pennsylvania have to pay more than those living where the risks are lower.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Pennsylvania car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
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Estimate car insurance in Pennsylvania by car model
Pennsylvania car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much you’ll pay for car insurance for your vehicle make and model in Pennsylvania.
Insurance rates by car model
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Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Pennsylvania
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Pennsylvania drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,837 annually.
Pennsylvania drivers aged 16-19 pay $3,752 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,589 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,963 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,837 per year in Pennsylvania.
- For senior drivers: Drivers age 65 and older can expect to pay $1,864 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Pennsylvania
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Pennsylvania, a DUI conviction lead to increased rates and you may see a rate hike of up to 60% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Pennsylvania, be prepared for your car insurance rates to rise by up to 17% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Pennsylvania following driving incidents:
- Speeding ticket: Up to 17% increase
- DUI conviction: 60% increase
- At-fault accident (bodily injury and property damage): 31% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Pennsylvania for high-risk drivers
In Pennsylvania, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Travelers | $1,250 |
| Nationwide | $1,961 |
| Erie Insurance | $2,115 |
| USAA | $2,662 |
| State Farm | $2,865 |
| Progressive | $3,379 |
| Allstate | $3,513 |
| Geico | $3,708 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Pennsylvania
In Pennsylvania, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in Pennsylvania by getting quotes from multiple insurance providers and comparing them.
Below are the details of Pennsylvania car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $243 | $340 | $952 |
| Nationwide | $350 | $404 | $1,196 |
| Erie Insurance | $263 | $354 | $1,550 |
| Westfield Insurance | $279 | $433 | $1,872 |
| Donegal | $252 | $346 | $1,913 |
| Progressive | $556 | $775 | $2,193 |
| Geico | $355 | $587 | $2,308 |
| State Farm | $447 | $578 | $2,473 |
| Allstate | $705 | $823 | $2,503 |
| USAA | $305 | $415 | $1,806 |
Car insurance rates by city in Pennsylvania
Philadelphia is Pennsylvania’s most expensive city for car insurance at an average cost of $2,782 annually. Boiling Springs is the state’s least expensive city, with an average car insurance rate of $1,488 annually.
Car insurance rates vary by city in Pennsylvania for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Pennsylvania’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Travelers | $1,076 |
| Nationwide | $1,365 |
| Erie Insurance | $1,851 |
| USAA | $1,986 |
| Westfield Insurance | $2,230 |
| Geico | $2,455 |
| Progressive | $2,678 |
| Donegal Insurance | $2,758 |
| Allstate | $2,932 |
| State Farm | $3,048 |
How much does car insurance cost in Pennsylvania per month?
In Pennsylvania, a full coverage car insurance policy with 100/300/100 limits typically costs about $156 per month.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $31 |
| Liability Only – 50/100/50 BI/PD | $42 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $156 |
Final thoughts on choosing car insurance in Pennsylvania
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Pennsylvania. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 15/30/5.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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