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Average cost of car insurance in Pennsylvania for 2024

Updated Nov 13, 2024
Pennsylvania drivers pay an average rate of $2,455 for full coverage and $537 for minimum coverage insurance.
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How much is car insurance in Pennsylvania?

When it comes to car insurance, Pennsylvania drivers pay around the national average, although costs differ slightly. Drivers with full coverage pay an average of $2,455 per year in Pennsylvania, while drivers with minimum coverage policies pay an average of $537 per year. Since car insurance is a highly personalized product, your exact premium cost will vary. To help you understand what factors influence your insurance premium, Bankrate’s insurance editorial team is here to answer your questions.

Key takeaways

  • Pennsylvania drivers pay a monthly average of $205 for full coverage and $45 for state-mandated minimum coverage insurance.
  • Pennsylvania does not allow insurance companies to use gender as an auto insurance rating factor.
  • Having a DUI on your driving record increases your Pennsylvania car insurance rates by an average of 103 percent more, compared to an average of 13 percent more for a speeding ticket.
  • Pennsylvania car insurance rates increase by an average of 84 percent more for drivers with poor credit, while those with excellent credit may pay around 18 percent less.

Pennsylvania car insurance rates by city

In Pennsylvania, car insurance rates vary by city. Insurance companies look at several factors, such as population density, theft and vandalism statistics, the likelihood and severity of car accidents and the cost of living and medical care to determine rates by ZIP code. Even though the average cost of car insurance in Pennsylvania is often close to the average national rates, the table below demonstrates how rates can vary.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in Pennsylvania

Age is another contributing factor to how much car insurance is in Pennsylvania. While most states also use gender as a factor, Pennsylvania, California, Hawaii, Massachusetts, Michigan and North Carolina do not due to state regulations. Young drivers under 20 usually pay the most for car insurance as inexperienced drivers. Rates typically drop around 25 and continue to decrease until around age 70, when they begin to increase again.

Age 16*
Avg. monthly full coverage premium in Pennsylvania
$449
Avg. annual full coverage premium in Pennsylvania
$5,388
Age 18
Avg. monthly full coverage premium in Pennsylvania
$526
Avg. annual full coverage premium in Pennsylvania
$6,308
Age 20
Avg. monthly full coverage premium in Pennsylvania
$435
Avg. annual full coverage premium in Pennsylvania
$5,218
Age 25
Avg. monthly full coverage premium in Pennsylvania
$254
Avg. annual full coverage premium in Pennsylvania
$3,042
Age 30
Avg. monthly full coverage premium in Pennsylvania
$223
Avg. annual full coverage premium in Pennsylvania
$2,672
Age 40
Avg. monthly full coverage premium in Pennsylvania
$205
Avg. annual full coverage premium in Pennsylvania
$2,455
Age 50
Avg. monthly full coverage premium in Pennsylvania
$190
Avg. annual full coverage premium in Pennsylvania
$2,275
Age 60
Avg. monthly full coverage premium in Pennsylvania
$183
Avg. annual full coverage premium in Pennsylvania
$2,197
Age 70
Avg. monthly full coverage premium in Pennsylvania
$197
Avg. annual full coverage premium in Pennsylvania
$2,369
Age 40
Avg. monthly full coverage premium in Pennsylvania
$205
Avg. annual full coverage premium in Pennsylvania
$2,455
Age 50
Avg. monthly full coverage premium in Pennsylvania
$190
Avg. annual full coverage premium in Pennsylvania
$2,275
Age 60
Avg. monthly full coverage premium in Pennsylvania
$183
Avg. annual full coverage premium in Pennsylvania
$2,197
Age 70
Avg. monthly full coverage premium in Pennsylvania
$197
Avg. annual full coverage premium in Pennsylvania
$2,369
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Avg. monthly full coverage premium in Pennsylvania
$449
Avg. annual full coverage premium in Pennsylvania
$5,388
Age 18
Avg. monthly full coverage premium in Pennsylvania
$549
Avg. annual full coverage premium in Pennsylvania
$6,588
Age 20
Avg. monthly full coverage premium in Pennsylvania
$435
Avg. annual full coverage premium in Pennsylvania
$5,217
Age 25
Avg. monthly full coverage premium in Pennsylvania
$253
Avg. annual full coverage premium in Pennsylvania
$3,042
Age 30
Avg. monthly full coverage premium in Pennsylvania
$223
Avg. annual full coverage premium in Pennsylvania
$2,672
Age 40
Avg. monthly full coverage premium in Pennsylvania
$205
Avg. annual full coverage premium in Pennsylvania
$2,455
Age 50
Avg. monthly full coverage premium in Pennsylvania
$178
Avg. annual full coverage premium in Pennsylvania
$2,138
Age 60
Avg. monthly full coverage premium in Pennsylvania
$183
Avg. annual full coverage premium in Pennsylvania
$2,197
Age 70
Avg. monthly full coverage premium in Pennsylvania
$197
Avg. annual full coverage premium in Pennsylvania
$2,369
Age 40
Avg. monthly full coverage premium in Pennsylvania
$205
Avg. annual full coverage premium in Pennsylvania
$2,455
Age 50
Avg. monthly full coverage premium in Pennsylvania
$178
Avg. annual full coverage premium in Pennsylvania
$2,138
Age 60
Avg. monthly full coverage premium in Pennsylvania
$183
Avg. annual full coverage premium in Pennsylvania
$2,197
Age 70
Avg. monthly full coverage premium in Pennsylvania
$197
Avg. annual full coverage premium in Pennsylvania
$2,369
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: Male drivers are more likely to cause accidents and engage in risky driving behavior. In most states, male drivers pay higher average car insurance rates than female drivers, especially when they're young. However, Pennsylvania does not allow the use of gender as an auto insurance rating factor. Your coverage rate is determined by dozens of other factors, including your age, vehicle type, location, marital status and driving history.

Cost considerations for young drivers in Pennsylvania

Auto insurance premiums depend on risk assessments made by insurance underwriting. Age and experience are considered key indicators of a driver's risk level. A younger and less experienced driver may be more likely to be involved in an auto accident or traffic violation. As a result, car insurance premiums tend to be higher for younger drivers. One way that young drivers may save on premiums, despite their age, is to remain on a parents' policy even after turning 18. Drivers under 18 cannot have their own policies and must remain on a parent or guardian's policy. The table below shows average rates for young drivers and how much they might save by not getting their own policy at 18:

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Age 16*
Avg. annual premium for drivers in PA
$5,388
Age 17
Avg. annual premium for drivers in PA
$4,989
Age 18
Avg. annual premium for drivers in PA
$4,535
Age 19
Avg. annual premium for drivers in PA
$4,065
Age 20
Avg. annual premium for drivers in PA
$3,865
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in PA
$6,448
Age 19
Avg. annual premium for drivers in PA
$5,696
Age 20
Avg. annual premium for drivers in PA
$5,217
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 42 percent more
Age 19 40 percent more
Age 20 35 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Pennsylvania?

Having a clean driving record is one of the best ways to keep your insurance costs down. Tickets, at-fault accidents and DUI convictions are all indications that you could be a high-risk driver, which can significantly raise car insurance rates in Pennsylvania. For instance, a speeding ticket increases rates by 13 percent more, on average, while an at-fault accident shows an average increase of 41 percent more. A DUI can cost a thousand or more dollars a year in higher insurance premiums and fees, and the offense can stay on your driving record for life in Pennsylvania unless it is expunged. Our analysis shows an average annual premium increase of 103 percent more in Pennsylvania after a DUI.

Clean driving record
Avg. annual premium* in Pennsylvania
$2,455
Percentage increase from Pennsylvania avg. annual premium*
0%
Avg. annual premium* in Pennsylvania
$2,765
Percentage increase from Pennsylvania avg. annual premium*
13%
Avg. annual premium* in Pennsylvania
$3,462
Percentage increase from Pennsylvania avg. annual premium*
41%
Avg. annual premium* in Pennsylvania
$4,990
Percentage increase from Pennsylvania avg. annual premium*
103%
*The table above compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates. *The rates reflected are for full coverage policies.

Car insurance rates in Pennsylvania by credit tier

Your credit score can also affect car insurance rates in Pennsylvania. Drivers with a good credit score pay around the average cost of car insurance in Pennsylvania. But if you have a poor credit score, you may pay about 84 percent more than the state average. However, drivers with average excellent credit pay around 18 percent less.

Avg. annual premium* in Pennsylvania
$4,519
Percentage difference from Pennsylvania avg. annual premium*
84%
Average
Avg. annual premium* in Pennsylvania
$2,702
Percentage difference from Pennsylvania avg. annual premium*
10%
Avg. annual premium* in Pennsylvania
$2,455
Percentage difference from Pennsylvania avg. annual premium*
0%
Excellent
Avg. annual premium* in Pennsylvania
$2,008
Percentage difference from Pennsylvania avg. annual premium*
-18%
*Rates reflect full coverage policies.

Pennsylvania car insurance rates by vehicle type

Finally, the make and model of your vehicle plays a significant role in how much you’ll pay for car insurance in Pennsylvania. Rates vary by make and model because each type of car has different safety features, crash statistics and repair costs. The table below outlines the average annual cost of full coverage premiums for a variety of vehicles to give an idea of how much car insurance might cost.

Avg. annual premium* in Pennsylvania
$2,455
Avg. annual premium* in Pennsylvania
$2,328
Avg. annual premium* in Pennsylvania
$2,169
BMW 330i
Avg. annual premium* in Pennsylvania
$2,967
Toyota Prius
Avg. annual premium* in Pennsylvania
$2,524
*Rates reflect full coverage policies.

Estimate your car insurance cost in Pennsylvania

Understanding "normal" rate ranges for auto insurance can help you be a more informed shopper. While requesting personalized quotes from carriers is the only way to know exactly what you will pay for coverage, the calculator tool below provides an estimate based on a few key ratings factors.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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How to save on car insurance in Pennsylvania

Car insurance is mandatory if you own a car in Pennsylvania, but it doesn't have to break your budget. Here are a few tips that could help you save money on car insurance in Pennsylvania:

  • Take advantage of telematics programs. Telematics programs monitor your driving through a small device you install in your car or a mobile app, which assesses your speed, hard braking and other driving behaviors. If you prove to be a safe and careful driver, you might save up to 40 percent off on your policy premium. 
  • Maximize your discounts. Most insurers offer at least a small handful of discounts and these can often save you a considerable amount on your car insurance rate. Many discounts are easy to earn. You may save money, for example, just for agreeing to receive policy documents via email rather than postal mail, or for going claims-free for a certain period of time.
  • Consider your yearly mileage. Many insurance companies use your annual mileage to determine rates, but if you put fewer than 12,000 miles per year on your car, it may pay to update your mileage with your carrier. Those who drive considerably less, like remote workers, may save even more with pay-per-mile car insurance.
  • Improve your credit score. Car insurance companies in Pennsylvania are permitted to use a driver’s credit-based insurance score when determining rates. Improving your score might take time and may not be immediately reflected in your car insurance policy, but it could still be useful in the long term to help you save money and improve your financial opportunities.

Frequently asked questions

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46
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

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40 year old
Single male and female driver
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2022 Toyota Camry
Primary vehicle
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Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

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