Average Cost of Car Insurance in Pennsylvania (2023)

Average car insurance premiums in Pennsylvania are currently $177 per month and $2,124 per year, which is lower than the national average of $233 per month and $2,796 per year. On a driver-by-driver basis, individual auto insurance rates fluctuate depending on driving history, credit history, marital status, age, gender, vehicle type, coverage level, and insurance provider.

Finding an affordable insurance policy that adequately meets your coverage needs does not need to be a stressful endeavor. With the Insurify quote-comparison tool, you can easily compare car insurance quotes from top auto insurance companies available in Pennsylvania. Give it a try today from the comfort of home to learn how much you can save.

How much does car insurance cost in Pennsylvania?

Pennsylvania drivers spend on average $177 monthly and $2,124 yearly for their chosen auto insurance policy. Annual premiums fluctuate for policyholders depending on a number of factors, including driving history, credit history, marital status, age, gender, set deductible, coverage level, city of residence, and more. Average premiums also depend on each insurance provider.

Best Pennsylvania Auto Insurance Rates

No one-size-fits-all car insurance policy exists, which is why we identified the average monthly premiums from the best car insurance companies available in Pennsylvania. Comparing quotes from numerous auto insurance companies will help ensure that you find the best rates for coverage that matches your individualized auto insurance needs.

See More: Best and Worst Sites to Compare Car Insurance

How are insurance rates calculated in Pennsylvania?

Auto insurance providers in Pennsylvania consider a number of factors and personal driver information when calculating insurance rates. Relevant factors include driving history, credit history, marital status, gender, age, vehicle type, coverage level, and more. Pennsylvania is a large state, so auto rates will vary on a city-by-city basis depending on area-specific influences.

Pennsylvania Car Insurance Rates by City

Pennsylvania’s state average auto insurance rate is $177 per month, but individual rates fluctuate depending on the driver’s city of residence. Cost variations by city occur due to area-specific factors, like crime rates, road infrastructure, population, weather, and climate. Find the average monthly premiums for the state’s most populated cities in the chart below.

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What is the average cost of car insurance in Pennsylvania by credit tier?

Like in most states, Pennsylvania law allows insurance providers to factor in policyholder credit scores when determining auto insurance rates. It’s common for auto insurers to view drivers with poor and average credit as higher-risk policyholders. Pennsylvania drivers with poor and average credit currently pay $19 more monthly on average than those with excellent credit.

What is the average cost of car insurance in Pennsylvania by driver age?

Teen drivers with brand-new driver’s licenses and policyholders under the age of 25 consistently pay the most for car insurance coverage due to their high-risk status as relatively inexperienced drivers. Pennsylvania drivers earn lower rates as they age through their 60s, with average rates only slightly increasing for policyholders in their 70s, 80s, and beyond.

See More: Compare Car Insurance by Age and Gender

What is the average cost of car insurance in Pennsylvania by driver gender?

According to national statistics, women in the United States are more likely to be safe drivers than men, especially men under the age of 30. Men, on the other hand, are more likely to purchase larger or more expensive cars than women. These factors result in women paying slightly lower rates than men. In Pennsylvania, men pay $4 more per month on average.

What is the average cost of car insurance in Pennsylvania by marital status?

Married couples in Pennsylvania spend $21 less per month on average for auto insurance than single individuals. These cost variations likely have to do with auto insurers perceiving married couples as more reliable and financially secure than single individuals. Despite this, individual rates largely depend on driving history, chosen coverage, and more.

What is the average cost of car insurance in Pennsylvania for high-risk drivers?

Good drivers with clean driving records consistently earn the lowest rates on auto insurance. Auto insurers charge the highest rates for policyholders with a recorded DUI, at-fault accident, or speeding ticket. High-risk drivers with recorded accidents or other incidents are seen as more likely to cost their insurance provider additional money, but rates vary by driver and auto insurer.

See More: Best Cheap Car Insurance for High-Risk Drivers

Pennsylvania Car Insurance Rates by Coverage Level

Adhering to state minimum coverage limits for bodily injury liability and property damage liability prevents drivers from being uninsured motorists and provides the cheapest coverage option in state. More robust policies like comprehensive coverage, collision coverage, and full-coverage car insurance cost more per month but provide much more protection for the driver.

See More: Compare Car Insurance by Coverage

Minimum Car Insurance Requirements in Pennsylvania

All motor vehicles operated or parked on Pennsylvania roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Pennsylvania^[1] are:

• $15,000 per person for bodily injury

• $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Pennsylvania is a choice no-fault state, meaning each parties’ own insurance provider will pay for medical expenses, regardless of which party caused the accident. But drivers can opt out of this system.

• $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $5,000 per accident for medical benefits

Medical benefits, similar to PIP coverage, will cover the policyholder for medical expenses they incur in the event of an accident, regardless of fault. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Tips for Getting the Cheapest Car Insurance in Pennsylvania

Shopping around for car insurance quotes from a wide variety of insurance providers is one of the most reliable ways to earn savings on auto insurance. With the Insurify quote-comparison tool, you can easily compare dozens of cheap quotes from the top national and regional providers available in Pennsylvania. Give it a try today to discover how much you can save.

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