Minimum car insurance requirements in Pennsylvania
The minimum car insurance requirements in Pennsylvania are 15/30/5 in liability limits. State minimum coverage pays for injuries and property damage you cause to others, but does not cover damage to your own vehicle.
- 15/30/5 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by Pennsylvania is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State Minimum Requirements | 15/30/5 |
| State minimum car insurance | $421 |
| Liability-only car insurance | $586 |
| Full coverage car insurance | $2,428 |
Average cost of car insurance in Pennsylvania
Car insurance in Pennsylvania costs around $2,428 annually for full coverage with 100/300/100 limits and $500 deductibles. Minimum coverage costs about $421 per year.
Rates change based on company, location, vehicle, driving history, and coverage choices.
| Average annual premium | $2,428 |
| Average monthly premium | $202 |
Cheapest car insurance companies in Pennsylvania
Travelers offers the cheapest average car insurance rates in Pennsylvania for a full coverage policy. Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records.
Comparing quotes from multiple companies can help drivers find lower premiums and better coverage options.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Travelers | $340 | $481 | $1,423 |
| Nationwide | $444 | $527 | $1,809 |
| Erie Insurance | $266 | $367 | $1,848 |
| Allstate | $723 | $863 | $2,533 |
| Westfield Insurance | $256 | $498 | $2,660 |
| Donegal Insurance | $321 | $458 | $2,715 |
| State Farm | $514 | $667 | $2,795 |
| GEICO | $384 | $621 | $2,974 |
| Progressive | $659 | $967 | $3,600 |
| USAA | $322 | $445 | $1,958 |
Pennsylvania car insurance rates by age group
Age plays a role in car insurance rates. In Pennsylvania, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in Pennsylvania based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $7,110 |
| Young Adults (20-24) | $3,981 |
| Adults (25-60) | $2,438 |
| Seniors (65-75) | $2,359 |
Pennsylvania car insurance costs by coverage level
Generally, Pennsylvania minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare Pennsylvania car insurance costs based on coverage level below.
| State minimum car insurance | $421 |
| Liability-only car insurance | $586 |
| Full coverage car insurance | $2,428 |
Cheapest car insurance companies in Pennsylvania by driver profile
If you have a violation or accident on your record, you can expect to pay more for car insurance in Pennsylvania. The highest rates in Pennsylvania are for drivers with Bad Credit. If you have a DUI, several accidents, or a history of reckless driving, your insurance rates will be much higher.
Comparing quotes becomes especially important for high-risk drivers because insurers apply rate increases differently.
| Profile | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-Fault Accident | $2,428 | $3,929 | $1,500 | 62% |
| Bad Credit | $2,428 | $5,107 | $2,679 | 110% |
| Careless driving | $2,428 | $2,940 | $511 | 21% |
| Claims | $2,428 | $2,750 | $322 | 13% |
| DUI | $2,428 | $4,553 | $2,125 | 88% |
| Reckless driving | $2,428 | $4,558 | $2,129 | 88% |
| Speeding | $2,428 | $3,023 | $594 | 24% |
| Texting ticket | $2,428 | $2,977 | $549 | 23% |
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 | Average annual cost |
|---|---|---|
| State Minimum BI/PD | $35 | $421 |
| Liability Only - 50/100/50 BI/PD | $49 | $586 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $202 | $2,428 |
Car insurance discounts in Pennsylvania
Drivers in Pennsylvania can lower insurance costs by qualifying for discounts. Discount availability varies by carrierAn insurance carrier is the company that provides your car insurance policy and pays claims..
Common discounts include:
- Multi-policy discount
- Safe driver discount
- Good student discount
- Defensive driving discount
- Multi-vehicle discount
- Anti-theft discount
- Paperless discount
- Telematics discount
Compare discounts when shopping for coverage.
| Discount type | Premium before discount | Premium after discount | $ Saving | % Saving |
|---|---|---|---|---|
| Air Bags | $2,428 | $2,363 | $65 | 3% |
| Anti-Theft Device | $2,428 | $2,375 | $53 | 2% |
| Comp and Coll Deductibles | $2,428 | $1,925 | $503 | 21% |
| Daily Commute | $2,428 | $2,285 | $143 | 6% |
| Days Advanced Purchase | $2,428 | $2,210 | $218 | 9% |
| Days Per Week Driven | $2,428 | $2,353 | $75 | 3% |
| Education | $2,428 | $2,248 | $180 | 7% |
| Electronic Funds Transfer | $2,428 | $2,354 | $74 | 3% |
| Electronic Signature | $2,428 | $2,236 | $192 | 8% |
| Homeowner | $2,428 | $2,351 | $78 | 3% |
| Lower Annual Mileage | $2,428 | $2,231 | $197 | 7% |
| Loyalty - Years Renewal With Company | $2,428 | $2,232 | $196 | 8% |
| Marital Status | $2,428 | $2,212 | $216 | 8% |
| Multi Policy | $2,428 | $2,214 | $214 | 9% |
| Paperless/Electornic Documents | $2,428 | $2,323 | $106 | 4% |
| Payment Type | $2,428 | $2,213 | $216 | 8% |
| Primary Use | $2,428 | $2,191 | $237 | 9% |
| Profession | $2,428 | $2,047 | $382 | 15% |
| Safety Devices | $2,428 | $2,400 | $29 | 1% |
| Telematics | $2,428 | $2,203 | $225 | 9% |
| Vehicle Ownership | $2,428 | $2,314 | $114 | 5% |
| Years Insured | $2,428 | $2,072 | $356 | 14% |
How to lower car insurance costs in Pennsylvania
You can reduce your insurance rates in Pennsylvania by shopping around, bundling policies and qualifying for discounts.
Common ways to lower insurance costs include:
- Compare quotes from multiple insurers
- Raise your deductibles
- Maintain a clean driving record
- Bundle insurance policies
- Drive a lower-cost vehicle
- Ask about available discounts
- Remove unnecessary coverage from older vehicles
Regularly reviewing coverage can help drivers avoid overpaying.
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.
Compare Accord insurance rates by state
| Company | Average annual premium |
|---|---|
| Nationwide | $2,278 |
| State Farm | $2,294 |
| Travelers | $2,520 |
| UAIC | $2,680 |
| GEICO | $3,072 |
| Mercury Insurance | $3,808 |
| Allstate | $4,208 |
| Farmers | $4,559 |
| Progressive | $4,588 |
| AIG | $5,738 |
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 | $2,782 |
Derry | $2,379 |
Philadelphia | $4,515 |
Pittsburgh | $2,427 |
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
Car insurance rates are based on a sample driver profile with the following characteristics:
- 40-year-old driver
- Honda Accord LX
- Good credit
- Clean driving record
- 12-mile daily commute
- 10,000 annual miles driven
Full coverage rates are based on:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 collision deductible
- $500 comprehensive deductible
Additional rate data includes:
- State minimum coverage limits
- Teen, young adult, adult and senior drivers
- Poor, fair and excellent credit tiers
- Speeding tickets
- DUI convictions
- At-fault accidents
Rates are sourced from Quadrant Information Services and analyzed across multiple ZIP codes and insurers.
Car insurance in Pennsylvania: FAQ
How much is car insurance in Pennsylvania?
Car insurance in Pennsylvania costs an average of $2,428 annually for full coverage and $421 per year for minimum coverage policies.
Which company has the cheapest car insurance in Pennsylvania?
Travelers offers the cheapest average car insurance rates in Pennsylvania.
What does full coverage car insurance include?
Full coverage insurance includes liability insurance and all coverage required by Pennsylvania law, plus collision and comprehensive coverage for damage to your own vehicle.
Why does car insurance cost more after a DUI or accident?
Car insurance in Pennsylvania costs an average of $2,428 annually for full coverage and $421 per year for minimum coverage policies.
Compare Pennsylvania car insurance rates with other states
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