Average Car Insurance Cost in Pennsylvania (2025)
Drivers in Pennsylvania pay an average of $97 per month for liability insurance and $165 for full coverage.
Secure. Free. Easy-to-use.
Excellent
)
Written byDanny Smith
)
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
){kind=small}
)
Edited bySara Getman
)
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
)
Reviewed byDaniel Roccato
)
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Pennsylvania drivers pay an average of $131 per month for car insurance, which is cheaper than the national average of $149 per month. Pennsylvania’s auto insurance rates rose over the last two years but have stayed below the national average.
Pennsylvania is a relatively rural state with comparatively smaller cities, which is why drivers can get more affordable coverage. Rates vary by location, but you can find cheap car insurance with some work.
Learn more about car insurance prices in Pennsylvania, how to compare quotes, and how to find the best auto policy for you.
Quick Facts
The average cost of full-coverage car insurance in Pennsylvania is $165 per month.
Pennsylvania is one of the 20 cheapest states for car insurance.
Philadelphia has the most expensive auto insurance rates in Pennsylvania.
How much is car insurance in Pennsylvania?
Pennsylvania drivers pay an average of $131 per month for car insurance. On average, liability-only coverage costs $97 monthly, and full-coverage car insurance costs $165.
Full-coverage insurance is more expensive because it includes both collision and comprehensive coverage. But your exact rate will vary based on factors like your age, location, and driving record.
Check out how Pennsylvania’s car insurance rates compare to the national averages in the table below.
Location  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Pennsylvania | $97 | $165 |
| National average | $107 | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Pennsylvania
Liability rates average $97 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
How Pennsylvania car insurance rates have changed over the past two years
The average price for full-coverage car insurance in Pennsylvania rose to $2,100 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Pennsylvania.
See how Pennsylvania car insurance prices have changed over the past two years below.
Average Pennsylvania Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
See More
To find car insurance rates in Pennsylvania and the U.S. over the last two years, download our data here.
Average Pennsylvania car insurance rates by city
Car insurance rates vary depending on where you live in Pennsylvania. Insurers determine prices using many factors, including accident frequency, car theft rates, and traffic patterns.
Drivers in major cities tend to pay more for insurance because they have higher risk factors than rural drivers. If you live in Philadelphia, you’ll likely pay higher rates than drivers in Allentown, for example.
The table below shows the average monthly liability-only and full-coverage quotes in some of Pennsylvania’s cities, according to Insurify data.
The below rates are estimated rates current as of: Wednesday, July 16 at 12:00 PM PDT.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| State College | $70 | $158 |
| Lancaster | $80 | $149 |
| Harrisburg | $86 | $165 |
| Pittsburgh | $91 | $161 |
| Erie | $92 | $149 |
| Bethlehem | $92 | $145 |
| Scranton | $95 | $159 |
| Reading | $97 | $182 |
| York | $97 | $147 |
| Allentown | $107 | $182 |
| Wilkes-Barre | $109 | $175 |
| Philadelphia | $176 | $290 |
| Chester | $189 | $264 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Read More: Car Insurance Requirements in Pennsylvania (2025)
Average Pennsylvania car insurance rates by age
Your age also affects how much you’ll pay for car insurance. Older drivers have more experience behind the wheel, so they pay less than younger drivers.[1] Insurers also consider your driving experience and habits when determining your monthly premium.
Here’s how your insurance premiums can fluctuate based on your age.
Liability-Only Rates by Age Group
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Full-Coverage Rates by Age Group
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Pennsylvania
The most popular cars in Pennsylvania include crossover SUVs and pickup trucks.[2]
Of the five most popular models, the Subaru Crosstrek is the cheapest to insure, with an average monthly quote of $126. A Chevy Silverado is the most expensive to insure, at $178 per month.
Here’s how the most popular vehicles in Pennsylvania compare.
Vehicle | Average Monthly Quote |
|---|---|
| Toyota RAV4 | $164 |
| Subaru Crosstrek | $126 |
| Honda CR-V | $150 |
| Ford F-Series | $168 |
| Chevrolet Silverado | $178 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Pennsylvania
Your driving record may have the most significant effect on your car insurance rates because it’s a direct indication of what kind of driver you are. If you have an infraction on your record, your insurer will likely charge you higher rates than a driver with a clean record.
How much more you’ll pay depends on the severity of your infraction. For example, drivers with a DUI pay an average of $156 per month for liability insurance, drivers with a speeding ticket pay $130, and drivers with an at-fault accident pay $112.
Look at the table below to see how much an infraction can affect average rates.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| Clean record | $131 | N/A |
| With accident | $174 | 30% |
| With speeding ticket | $164 | 22% |
| With DUI | $201 | 50% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Your credit history can also affect how much you pay for car insurance. Drivers with poor credit pay more because insurers think they’re more likely to file claims.[3] Some states restrict the use of credit history when determining insurance rates, but Pennsylvania doesn’t.
Pennsylvania drivers with excellent credit pay an average of $157 per month for full-coverage insurance. Drivers with poor credit pay an average of $197 per month, which adds up to an extra $456 over a year. Check out the table below to see how credit history affects car insurance costs.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $85 $157 Good $92 $169 Fair $97 $178 Poor $106 $195 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Pennsylvania
Check quotes from 120+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
How to lower your insurance costs in Pennsylvania
As a Pennsylvania driver, you can lower your car insurance costs in several ways:
Maintain a clean driving record
Insurers consider your driving history when setting rates, so safe driving habits can help keep costs down.
Increase your deductible
If you can afford to, consider raising your car insurance deductible. Choosing a higher deductible will lower your monthly premiums, but you’ll pay more out of pocket if you file a claim.
Choose the right coverage amount
Don’t buy more coverage than you need. Consider your vehicle’s age and how you use it. Full coverage may not be worth it if your car isn’t worth much.
Apply for discounts
Car insurance discounts are a great way to lower costs. Almost every insurance company offers multiple discounts — ask your insurer or local agent what you qualify for.
Compare car insurance quotes
Always compare car insurance quotes from multiple companies before buying a policy. Each insurer determines rates differently, so you may find different rates for the same policy.
Pennsylvania average car insurance cost FAQs
Buying car insurance can be confusing. We’ve answered some of the most commonly asked questions about car insurance in Pennsylvania.
The average cost of car insurance in Pennsylvania is $1,573 per year. Drivers pay an average annual rate of $1,164 for minimum coverage and $1,981 for full coverage.
Pennsylvania’s cheapest car insurance company is National General, with an average monthly liability rate of $68.
The average cost of car insurance per month in Pennsylvania is $131. Drivers pay a monthly average of $97 for liability coverage and $165 for full coverage.
The best auto insurance companies in Pennsylvania include State Farm, Travelers, and Erie. They offer affordable rates, reliable coverage, and plenty of discounts. But you should compare quotes from multiple companies to find the best car insurance for you.
Pennsylvania’s minimum car insurance requirements are $15,000 per person and $30,000 per accident in bodily injury liability coverage and $5,000 per accident in property damage liability coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Cheap Car Insurance Quotes in Pennsylvania Starting at $68
July 17, 2025
Best Car Insurance in Pennsylvania
July 16, 2025
)
Rideshare Insurance in Pennsylvania
July 17, 2025
Car Insurance Requirements in Pennsylvania
July 17, 2025
)
Temporary Car Insurance in Pennsylvania
July 17, 2025
)
Auto Insurance Brokers: Should You Use One?
July 17, 2025
)
How to Find Cheap Commercial Auto Insurance
February 14, 2025
)
Can You Get Six-Month Car Insurance Coverage?
July 17, 2025
)
Cheap Car Insurance in Harrisburg, PA, Starting at $65
July 17, 2025
)
Cheap Car Insurance in Philadelphia, PA, Starting at $121
July 17, 2025
)
Cheap Car Insurance in Lancaster, PA, Starting at $59
July 17, 2025
)
Cheap Car Insurance in York, PA, Starting at $63
July 17, 2025
)
Best Cheap Car Insurance in Wilkes-Barre, PA, From $74
July 17, 2025
)
Cheap Car Insurance in Scranton, PA, Starting at $66
July 17, 2025
Cheap Car Insurance in State College, PA, Starting at $59
July 17, 2025
)
Best Cheap Car Insurance in Reading, PA, From $73
July 17, 2025
)
)
)
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Edmunds. "Most popular cars in America."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums."
)
Danny Smith
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.