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Cheap car insurance in Pennsylvania

In Pennsylvania, the average cost of car insurance is $2,015 a year and Travelers, Nationwide, and Erie Insurance are among the best and cheapest car insurance companies. You may find that another company is better for you based on your profile, vehicle, and coverage needs.

Written by Alyssa DiCrasto

Reviewed by Rob Deming Shield check

Last updated: September 22nd, 2023 

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How much is car insurance in Pennsylvania?

Car insurance costs $2,015 per year on average in Pennsylvania. This is -1.70% than the national average of $2,049 a year.

However, the cost of Pennsylvania car insurance can vary by a number of factors, such as the level of car insurance you need, the kind of vehicle you drive, and your profile.

These are the average prices a 35-year-old male driving a 2023 RAV4 would pay annually for state minimum coverage, standard coverage, and premium coverage in Pennsylvania. Your rates will vary based on your unique driver profile.

Annual rates for a male driving a 2023 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

Car insurance rates across Pennsylvania

The zip code you live in also impacts your car insurance rates. In Pennsylvania, the most expensive zip code to purchase insurance is Philadelphia, PA 19140 while the least expensive zip code is State College, PA 16801. This map shows the average cost of car insurance across Pennsylvania. 

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Car insurance in popular cities in Pennsylvania

Click on one of the popular cities in Pennsylvania below to explore the average cost of car insurance, rates by factor, and local agents in your specific city.

Allentown,Altoona,Bensalem,Bethlehem,Carlisle,Chambersburg,Downingtown,Easton,Erie,Hanover,Harrisburg,Johnstown,Lancaster,Lansdale,Lebanon,Levittown,Mechanicsburg,Morrisville,Norristown,Philadelphia,Pittsburgh,Pottstown,Reading,Scranton,West Chester,Wilkes Barre,York
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Car insurance in Pennsylvania at a glance

These numbers represent average rates across Pennsylvania. Remember that you may find that another company is better for you based on your profile, vehicle, and coverage needs. 

$2,015

average annual premium

-1.70%

than the national average

Save 18%

with excellent credit

Save 28%

when married

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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Pennsylvania car insurance requirements

Pennsylvania requires three types of car insurance coverage: bodily injury liability, property damage liability, and medical benefits. However, many drivers choose to purchase additional coverage types, such as comprehensive coverage, to help cover certain costs associated with different types of accidents.

If you’re one of the many drivers who lease or finance their vehicle, check with your lender about any additional insurance they may require. Although not mandated by the state, some lenders may require full coverage auto insurance in Pennsylvania.

Minimum car insurance requirements – Pennsylvania

Bodily Injury Liability – $15,000 limit per person/$30,000 limit per accident

Property Damage Liability – $5,000 limit

Medical Benefits – $5,000 limit

The cheapest car insurance companies in Pennsylvania

Travelers, Nationwide, and Erie Insurance are the leading insurance providers in Pennsylvania that offer the cheapest full coverage car insurance policies on average.

It’s important to note that while we have determined the top three companies based on their average affordability for full coverage policies in Pennsylvania, you may find that other insurance providers will offer you cheaper rates based on your unique driver profile. It’s important to compare personalized rates from multiple insurers to find the best coverage and price combination for your specific needs.

1. Travelers

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Travelers is a leading insurance company, ranking as the 8th largest in the US based on market share. With an impressive AM Best rating of A , Travelers offers reliable coverage to their policyholders. They provide a variety of discounts, including Multi-policy, Multi-vehicle, Homeowners bundle, Good driver, and Good student discounts, allowing customers to save on their premiums. Travelers stand out with their easy quoting process, providing helpful guidance to policyholders. They also offer roadside assistance and accident forgiveness, ensuring peace of mind on the road. Travelers are committed to providing exceptional service, comprehensive coverage, and support when customers need it the most.

2. Nationwide

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Nationwide is a well-established insurance company, ranking as the 10th largest in the US based on market share. With an impressive AM Best rating of A , Nationwide offers reliable coverage to their policyholders. They provide a range of discounts, including Telematics and Multi-policy discounts, allowing customers to save on their premiums. Nationwide stands out with its SmartRide and SmartMiles usage-based programs, which offer personalized insurance rates based on driving habits. Additionally, they offer an annual review of coverage with insurance professionals to ensure policyholders have the right protection. Nationwide is committed to delivering exceptional service and tailored coverage to meet the needs of its customers.

3. Erie Insurance

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Erie Insurance, the 13th largest insurance company in the US based on market share, has consistently provided excellent service since 1925. With an impressive AM Best rating of A , Erie Insurance offers a wide range of coverage options to meet the diverse needs of its customers. They provide various discounts, including Payment in full and Vehicle safety features discounts. With a remarkable customer retention rate, with over 90% of Erie’s customers staying year after year, Erie Insurance takes pride in its dedicated team of over 13,000 knowledgeable agents who are always ready to provide personalized assistance. In recognition of their commitment to excellence, Erie Insurance was named one of the Best Insurance Companies by Forbes in 2022.

Compare car insurance in Pennsylvania by coverage amount

Cheapest full coverage car insurance in Pennsylvania

A full coverage car insurance policy offers more complete coverage. It often includes higher liability coverage limits, personal injury protection, comprehensive insurance, and collision insurance. These additional coverages will help cover any damages you or your vehicle sustains in an accident or non-collision incident.

On average, a full coverage policy in Pennsylvania is $2,015 for an annual policy.

These are the average prices a 35-year-old male driving a 2023 RAV4 would pay for a premium full coverage policy ($100k/$300k/$100k with a $500 deductible) at each of the top insurance companies in Pennsylvania. Your rates will vary based on your unique driver profile.

Annual rates for a male driving a 2023 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

Cheapest minimum car insurance in Pennsylvania

A minimum car insurance policy in Pennslyvania includes liability insurance. The required limits are: $15,000 per person/$30,000 per accident for bodily injury liability and $5,000 limit for property damage liability. Medical benefits coverage is also required with a limit of $5,000. Pennslyvania minimum coverage only covers damages you cause to others and their property in an accident. It does not include collision or comprehensive, which cover damages to your own property.

On average, the cost for a minimum car insurance policy in Pennsylvania is $624 a year, which is 69% less than the average cost of car insurance.

These are the average prices a 35-year-old male driving a 2023 RAV4 would pay annually for state minimum coverage at the top insurance companies in Pennsylvania. Your rates will vary based on your unique driver profile.

Annual rates for a male driving a 2023 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

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How to get cheap Pennsylvania car insurance

Pennsylvania is home to 13 million people and the world’s favorite chocolate bar. Hershey, PA is located just east of Pennsylvania’s state capital, Harrisburg, giving residents an interesting conversation starter about their home state.Whether you’re thinking about moving to Pennsylvania or have called it home for a long time, you need car insurance. All drivers are required to carry certain types of auto insurance in Pennsylvania. A great first step for finding affordable car insurance is to compare quotes from top insurance companies in Pennsylvania. Fortunately, Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

A great first step for finding affordable car insurance is to compare quotes from top insurance companies in Pennsylvania. Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

Pennsylvania auto insurance shopping made easy

Based on your answers to our short quiz, we’ll estimate how much you’ll pay at each of the top providers near you, so you can find the coverage you need at a price you can afford.

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Compare Pennsylvania auto insurance by factor

The state you live in is only one of the factors that may impact your car insurance rate.  Each car insurance company has their own formula for calculating rates based on a variety of factors that make up your driver profile.  

Factors that can impact your quoted rates include: 

  • Your demographics including your age, home ownership, marriage status, and more 
  • Your driving history including how long you’ve been driving, traffic violations, and more 
  • Your car including make, model, and year 
  • Your zip code, or where you live within your state 
  • How much coverage you want

Pennsylvania auto insurance by age

Age is a significant factor that affects car insurance rates. Generally, younger drivers, particularly teenagers and those in their early 20s, tend to face higher premiums due to a lack of driving experience and higher likelihood of being involved in accidents.

Find cheap car insurance for teenagers >

As drivers gain more experience and reach their mid-20s and 30s, insurance rates typically go down. This is because they have had more time to develop their driving skills and establish a track record of safe driving.

However, as drivers enter their senior years, insurance rates may start to increase again. This is primarily due to factors such as decreased vision, slower reaction times, and potential health issues that can impact driving abilities.

Find cheap car insurance for seniors >

Your specific age will impact your car insurance rates, so it’s always a good idea to compare rates from different insurers to find the most cost-effective coverage for you.

Adding a teenager to your policy in Pennsylvania

The national average cost of car insurance for a teen driver on their own policy is $7,401 a year. Generally, it makes sense for a parent to add their teen driver to their existing policy instead of the teenager buying their own policy.

In Pennsylvania, a teenager on their own insurance policy will pay an average of $7,192 a year. When the parent adds their teen to their policy, they’ll pay 47% less than the two separate policies on average.

Learn more about insuring a teen driver >

Pennsylvania auto insurance by vehicle

The vehicle you drive will also impact your insurance rate. Car insurance providers consider your vehicle’s year, make, model, and trim level to determine your rates. Generally, the higher the value of your car, the more expensive it will be to insure. This means that new cars, electric or hybrid vehicles, and sports cars usually have more expensive insurance than older cars or cars that are less expensive to repair or replace.

The cheapest car to insure among popular 2023 models is the Subaru Outback, while the most expensive is the Tesla Model S.

Find cheap car insurance by vehicle >

Pennsylvania auto insurance by credit score

Insurance companies can use credit score as a rating factor in Pennslyvania. Generally, the better your credit score, the cheaper your rates. In fact, raising your credit score is one way to get cheaper insurance. The national average for a 35-year-old male driver with excellent credit is around $1,510 per year for car insurance, while the average rate for the same driver with good credit is $2,049. Drivers with poor credit pay the highest rate, with a national average premium of around $3,360 per year for the same driver.

In Pennsylvania, drivers with excellent credit can expect to save 18% on car insurance compared to drivers with good credit while those with poor credit pay 85% more on average.

However, if you have bad credit, you may still be able to find affordable insurance.

Learn more about cheap car insurance with bad credit >

Pennsylvania auto insurance by driving record

Since insurance companies assess your driving history to gauge the level of risk you pose as a driver, your driving record will also factor into your car insurance rates. Various factors within your driving record can impact your rates:

  1. Traffic Violations: Insurance providers consider traffic violations such as speeding tickets, reckless driving, running red lights, and DUI/DWI offenses as indicators of risky driving behavior. The more violations you have on your record, generally the higher your insurance rates will be.

  2. Accidents: Being involved in accidents and filing claims can significantly impact your insurance rates. At-fault accidents tend to have a greater impact compared to accidents where you were not responsible. Multiple accidents or a history of frequent claims can lead to higher premiums.

  3. Claims History: Insurance companies review your claims history to evaluate the likelihood of future claims. If you have a record of filing numerous claims, regardless of fault, insurers may consider you a higher risk and increase your rates accordingly.

  4. License Suspensions or Revocations: If your driver’s license has been suspended or revoked due to violations or other reasons, insurance companies may view you as a high-risk driver, resulting in higher premiums.

  5. Time Since Last Incident: Insurance providers often consider the time since your last traffic violation or accident. Generally, the longer you go without any incidents, the more favorable it is for your insurance rates.

Find cheap car insurance for high-risk drivers in Pennsylvania >

Marriage and car insurance rates in Pennsylvania

In general, married drivers who combine their car insurance policies save money. Of course the amount you will save varies based on the number of vehicles you have, your location, and other factors. In Pennsylvania, married couples with two vehicles who combine their policies will save 28% on their car insurance.

Gender and car insurance rates in Pennsylvania

Some insurance providers use your sex as a factor to determine your rates, but factors such as your zip code and driving record generally impact your rate more. However, in Pennsylvania insurance companies are not allowed to use gender as a rating factor. In Pennsylvania, males pay an average of $2,015 a year and females pay $2,015

Why is Pennsylvania auto insurance important?

First, Pennsylvania car insurance is required by the state, and driving without it can result in a $300 fine, a three-month vehicle registration suspension, and a three-month driver’s license suspension. It is important to have the minimum required auto insurance in Pennsylvania and keep it up to date without a lapse in coverage.

One vital reason to have car insurance in Pennsylvania is that, depending on your policy and coverage limits, your insurance helps cover certain costs should you get into a car accident. This can reduce the burden of paying for accident-related costs out of pocket, and it can help you have peace of mind while on the road.

Whether you’re interested in the minimum auto insurance required or want more coverage for additional protection, we can connect you with top car insurance providers in Pennsylvania.

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Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2023 RAV4.  

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.