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Updated Feb 06, 2025
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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.

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Powered by Coverage.com (NPN: 19966249)

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.

Age 16*
Avg. monthly full coverage premium in Pennsylvania
$457
Avg. annual full coverage premium in Pennsylvania
$5,487
Age 18
Avg. monthly full coverage premium in Pennsylvania
$539
Avg. annual full coverage premium in Pennsylvania
$6,465
Age 20
Avg. monthly full coverage premium in Pennsylvania
$430
Avg. annual full coverage premium in Pennsylvania
$5,154
Age 25
Avg. monthly full coverage premium in Pennsylvania
$253
Avg. annual full coverage premium in Pennsylvania
$3,030
Age 30
Avg. monthly full coverage premium in Pennsylvania
$221
Avg. annual full coverage premium in Pennsylvania
$2,658
Age 40
Avg. monthly full coverage premium in Pennsylvania
$203
Avg. annual full coverage premium in Pennsylvania
$2,436
Age 50
Avg. monthly full coverage premium in Pennsylvania
$188
Avg. annual full coverage premium in Pennsylvania
$2,255
Age 60
Avg. monthly full coverage premium in Pennsylvania
$181
Avg. annual full coverage premium in Pennsylvania
$2,176
Age 70
Avg. monthly full coverage premium in Pennsylvania
$195
Avg. annual full coverage premium in Pennsylvania
$2,342
Age 40
Avg. monthly full coverage premium in Pennsylvania
$203
Avg. annual full coverage premium in Pennsylvania
$2,436
Age 50
Avg. monthly full coverage premium in Pennsylvania
$188
Avg. annual full coverage premium in Pennsylvania
$2,255
Age 60
Avg. monthly full coverage premium in Pennsylvania
$181
Avg. annual full coverage premium in Pennsylvania
$2,176
Age 70
Avg. monthly full coverage premium in Pennsylvania
$195
Avg. annual full coverage premium in Pennsylvania
$2,342
*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
$457
Avg. annual full coverage premium in Pennsylvania
$5,487
Age 18
Avg. monthly full coverage premium in Pennsylvania
$539
Avg. annual full coverage premium in Pennsylvania
$6,465
Age 20
Avg. monthly full coverage premium in Pennsylvania
$430
Avg. annual full coverage premium in Pennsylvania
$5,154
Age 25
Avg. monthly full coverage premium in Pennsylvania
$253
Avg. annual full coverage premium in Pennsylvania
$3,031
Age 30
Avg. monthly full coverage premium in Pennsylvania
$221
Avg. annual full coverage premium in Pennsylvania
$2,658
Age 40
Avg. monthly full coverage premium in Pennsylvania
$203
Avg. annual full coverage premium in Pennsylvania
$2,436
Age 50
Avg. monthly full coverage premium in Pennsylvania
$188
Avg. annual full coverage premium in Pennsylvania
$2,255
Age 60
Avg. monthly full coverage premium in Pennsylvania
$181
Avg. annual full coverage premium in Pennsylvania
$2,176
Age 70
Avg. monthly full coverage premium in Pennsylvania
$195
Avg. annual full coverage premium in Pennsylvania
$2,342
Age 40
Avg. monthly full coverage premium in Pennsylvania
$203
Avg. annual full coverage premium in Pennsylvania
$2,436
Age 50
Avg. monthly full coverage premium in Pennsylvania
$188
Avg. annual full coverage premium in Pennsylvania
$2,255
Age 60
Avg. monthly full coverage premium in Pennsylvania
$181
Avg. annual full coverage premium in Pennsylvania
$2,176
Age 70
Avg. monthly full coverage premium in Pennsylvania
$195
Avg. annual full coverage premium in Pennsylvania
$2,342
*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.

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Age 16*
Avg. annual premium for drivers in PA
$5,487
Age 17
Avg. annual premium for drivers in PA
$5,103
Age 18
Avg. annual premium for drivers in PA
$4,608
Age 19
Avg. annual premium for drivers in PA
$4,065
Age 20
Avg. annual premium for drivers in PA
$3,860
*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
$6,465
Age 19
Avg. annual premium for drivers in PA
$5,647
Age 20
Avg. annual premium for drivers in PA
$5,154
*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 40 percent more
Age 19 39 percent more
Age 20 34 percent more
Clean driving record
Avg. annual premium* in Pennsylvania
$2,436
Percentage increase from Pennsylvania avg. annual premium*
0%
Avg. annual premium* in Pennsylvania
$2,749
Percentage increase from Pennsylvania avg. annual premium*
13%
Avg. annual premium* in Pennsylvania
$3,500
Percentage increase from Pennsylvania avg. annual premium*
44%
Avg. annual premium* in Pennsylvania
$4,911
Percentage increase from Pennsylvania avg. annual premium*
102%
*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.
Avg. annual premium* in Pennsylvania
$4,798
Percentage difference from Pennsylvania avg. annual premium*
97%
Average
Avg. annual premium* in Pennsylvania
$2,697
Percentage difference from Pennsylvania avg. annual premium*
11%
Avg. annual premium* in Pennsylvania
$2,436
Percentage difference from Pennsylvania avg. annual premium*
0%
Excellent
Avg. annual premium* in Pennsylvania
$1,975
Percentage difference from Pennsylvania avg. annual premium*
-19%
*Rates reflect full coverage policies.
Avg. annual premium* in Pennsylvania
$2,436
Avg. annual premium* in Pennsylvania
$2,392
Avg. annual premium* in Pennsylvania
$2,225
BMW 330i
Avg. annual premium* in Pennsylvania
$3,065
Toyota Prius
Avg. annual premium* in Pennsylvania
$2,474
*Rates reflect full coverage policies.

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Why we're asking
Methodology
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46
years of industry expertise
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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

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40 year old
Single male and female driver
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2023 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