- How much is car insurance in Pennsylvania?
- Pennsylvania car insurance rates by company
- Pennsylvania car insurance costs by coverage level
- Pennsylvania car insurance by driver profile
- Pennsylvania car insurance rates by age group
- How much does car insurance cost in Pennsylvania per month?
- Pennsylvania car insurance discounts
- Car insurance requirements in Pennsylvania
- Car insurance rates in Pennsylvania by model year
- Compare auto insurance rates by city in Pennsylvania
- Car insurance premium trends in Pennsylvania
- Methodology
- Compare Pennsylvania car insurance rates with other states
How much is car insurance in Pennsylvania?
The average cost of car insurance in Pennsylvania is $1,872 annually for full coverage. However, these rates vary considerably based on factors like age, coverage levels, driving record and the make and model of the vehicle.
For example, younger drivers and males pay higher insurance rates, as do drivers with poor driving records.
Pennsylvania drivers who only want to carry the minimum car insurance can expect to pay an average of $375. However, collision and comprehensive coverages aren't included, so any damage to your vehicle in an at-fault accident would be paid out of pocket.
"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.
| Average annual premium | $1,872 |
| Average monthly premium | $156 |
Pennsylvania car insurance rates by company
Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records. That's why car insurance rates in Pennsylvania can differ greatly from one company to another.
The table below compares average Pennsylvania car insurance rates from top-rated companies for different coverage levels. On average, Travelers is the cheapest car insurance company in Pennsylvania.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Travelers | $243 | $340 | $952 |
| Donegal Insurance | $252 | $346 | $1,913 |
| Erie Insurance | $263 | $354 | $1,550 |
| Westfield Insurance | $279 | $433 | $1,872 |
| Nationwide | $350 | $404 | $1,196 |
| GEICO | $355 | $587 | $2,308 |
| State Farm | $447 | $578 | $2,473 |
| Progressive | $556 | $775 | $2,193 |
| Allstate | $705 | $823 | $2,503 |
| USAA | $305 | $415 | $1,806 |
Pennsylvania car insurance costs by coverage level
The cheapest option in Pennsylvania is usually minimum car insurance. But even if you raise the limits, it still won't cover you or damage to your car. Full coverage costs more, but it includes collision and comprehensive insurance, which helps pay for damage to your car from accidents or events like bad weather.
Check out Pennsylvania car insurance costs by coverage level below.
| State minimum car insurance | $375 |
| Liability-only car insurance | $504 |
| Full coverage car insurance | $1,872 |
Pennsylvania car insurance by driver profile
Car insurance companies consider your driving record when deciding your rates because it shows how likely you are to file a claim. If you have a DUI, several accidents, or a history of reckless driving, your insurance rates will be much higher.
In most states, your credit history also affects how much you pay for car insurance. Studies show that drivers with lower credit scores are more likely to file a claim instead of paying for damages themselves.
In Pennsylvania, drivers with Bad Credit pay the highest rates. This table shows average car insurance rates in Pennsylvania for other driver profiles.;
| Profile groups | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-fault accident | $1,872 | $2,861 | $989 | 53% |
| Bad credit | $1,872 | $3,749 | $1,877 | 100% |
| Careless driving | $1,872 | $2,178 | $306 | 16% |
| Claims | $1,872 | $2,002 | $130 | 7% |
| DUI | $1,872 | $3,321 | $1,449 | 77% |
| Reckless driving | $1,872 | $3,326 | $1,454 | 78% |
| Speeding | $1,872 | $2,228 | $356 | 19% |
| Texting ticket | $1,872 | $2,151 | $279 | 15% |
Pennsylvania car insurance rates by age group
Age can significantly impact car insurance rates. Younger, less experienced drivers see the highest Pennsylvania car insurance rates. Rates decrease considerably with age and experience behind the wheel.
The table below shows average Pennsylvania car insurance rates by age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $5,589 |
| Young Adults (20-24) | $3,094 |
| Adults (25-60) | $1,895 |
| Seniors (65-75) | $1,864 |
How much does car insurance cost in Pennsylvania per month?
The average monthly cost of car insurance in Pennsylvania depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage level | Average monthly premium |
|---|---|
| State Minimum BI/PD | $31 |
| Liability Only - 50/100/50 BI/PD | $42 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $156 |
Pennsylvania car insurance discounts
Which car insurance discounts are available and how much savings drivers can expect depend on the state and the company. So, savings may vary considerably from company to company in Pennsylvania.
Check out the available car insurance discounts in Pennsylvania below and see how much you can save on average.
| Discount type | Premium before discount | Premium after discount | $ Saving |
|---|---|---|---|
| Air Bags | $1,895 | $1,855 | $40 |
| Anti-Theft Device | $1,895 | $1,861 | $34 |
| Daily Commute | $1,895 | $1,783 | $112 |
| Days Advanced Purchase | $1,895 | $1,680 | $215 |
| Days Per Week Driven | $1,895 | $1,837 | $58 |
| Education | $1,895 | $1,793 | $102 |
| Electronic Funds Transfer | $1,895 | $1,820 | $75 |
| Electronic Signature | $1,895 | $1,745 | $150 |
| Homeowner | $1,895 | $1,831 | $64 |
| Lower Annual Mileage | $1,895 | $1,768 | $127 |
| Loyalty - Years Renewal With Company | $1,895 | $1,705 | $190 |
| Marital Status | $1,895 | $1,731 | $164 |
| Multi Policy | $1,895 | $1,734 | $161 |
| Paperless/Electornic Documents | $1,895 | $1,810 | $85 |
| Payment Type | $1,895 | $1,748 | $147 |
| Primary Use | $1,895 | $1,704 | $191 |
| Profession | $1,895 | $1,517 | $378 |
| Safety Devices | $1,895 | $1,838 | $57 |
| Telematics | $1,895 | $1,729 | $166 |
| Years Insured | $1,895 | $1,568 | $327 |
| Years Licensed | $1,895 | $1,360 | $535 |
Car insurance requirements in Pennsylvania
Pennsylvania requires a minimum amount of car insurance, including:
- 15/30/5 in liability coverage to pay for bodily injuries and property damages you cause in an accident.
Remember, the minimum coverage required by Pennsylvania law is just that - the minimum. Experts recommend increasing limits and adding coverage, such as collision and comprehensive, to protect yourself better. By ensuring you have adequate coverage, you can have peace of mind on the road.
| State minimum requirements | 15/30/5 |
| State minimum car insurance | $375 |
| Liability-only car insurance | $504 |
| Full coverage car insurance | $1,872 |
Car insurance rates in Pennsylvania by model year
The vehicle you drive also affects Pennsylvania car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Pennsylvania car insurance rates below.
| Company | Style | Average annual premium |
|---|---|---|
| State Farm | 2WD 4 Door Sedan Automatic Turbo | $1,306 |
| Nationwide | 2WD 4 Door Sedan Automatic Turbo | $1,407 |
| Progressive | 2WD 4 Door Sedan Automatic Turbo | $1,939 |
| GEICO | 2WD 4 Door Sedan Automatic Turbo | $2,309 |
| Allstate | 2WD 4 Door Sedan Automatic Turbo | $2,790 |
Compare auto insurance rates by city in Pennsylvania
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Pennsylvania will impact what you pay. Below, we've gathered Pennsylvania car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Brookhaven | $2,238 |
Derry | $1,856 |
Philadelphia | $2,782 |
Pittsburgh | $1,933 |
Car insurance premium trends in Pennsylvania
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Pennsylvania to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.
Compare Pennsylvania car insurance rates with other states
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