Average Car Insurance Cost in Pennsylvania (2025)

Pennsylvania drivers pay an average of $126 per month for car insurance, which is cheaper than the national average of $144 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.

How much is car insurance in Pennsylvania?

Pennsylvania drivers pay an average of $126 per month for car insurance. On average, liability-only coverage costs $94 monthly, and full-coverage car insurance costs $158.

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.

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 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.

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 $151 per month for liability insurance, drivers with a speeding ticket pay $126, and drivers with an at-fault accident pay $109.

Look at the table below to see how much an infraction can affect average rates.

How to lower your insurance costs in Pennsylvania

As a Pennsylvania driver, you can lower your car insurance costs in several ways: