Average Car Insurance Cost in Pennsylvania (2025)
Drivers in Pennsylvania pay an average of $93 per month for liability insurance and $156 for full coverage.
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Pennsylvania drivers pay an average of $124 per month for car insurance, which is cheaper than the national average of $143 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 $156 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 $124 per month for car insurance. On average, liability-only coverage costs $93 monthly, and full-coverage car insurance costs $156.
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.
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 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.
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.
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.
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.
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 $150 per month for liability insurance, drivers with a speeding ticket pay $102, and drivers with an at-fault accident pay $110.
Look at the table below to see how much an infraction can affect average rates.
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.
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 to lower your insurance costs in Pennsylvania
As a Pennsylvania driver, you can lower your car insurance costs in several ways:
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 $1,494 per year. Drivers pay an average annual rate of $1,113 for minimum coverage and $1,875 for full coverage.
Pennsylvania’s cheapest car insurance company is Hugo, with an average monthly liability rate of $41.
The average cost of car insurance per month in Pennsylvania is $124. Drivers pay a monthly average of $93 for liability coverage and $156 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.
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