Average cost of car insurance in Pennsylvania for 2025
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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 $2,436 per year in Pennsylvania, while drivers with minimum coverage policies pay an average of $516 per year. Since car insurance is a highly personalized product, your exact premium 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 $203 for full coverage and $43 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 101 percent more, compared to an average of 13 percent more for a speeding ticket.
- Pennsylvania car insurance rates increase by an average of 97 percent more for drivers with poor credit, while those with excellent credit may pay around 19 percent less.
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Pennsylvania car insurance rates by city
In Pennsylvania, car insurance rates vary by city. Insurance companies look at several factors, including population density, theft and vandalism and car accidents, as well as the cost of living, vehicle repairs 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.
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City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|---|
Pricedale | $203 | $2,438 | +0% |
Hibbs | $184 | $2,209 | -10% |
Black Lick | $177 | $2,128 | -13% |
New Castle | $173 | $2,077 | -16% |
North East | $178 | $2,140 | -13% |
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 as senior drivers often face age-related factors like delayed reaction and vision changes that make driving riskier.
|
|
|
---|---|---|
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
$538
|
Avg. annual full coverage premium in Pennsylvania
$6,453
|
Age 20
|
Avg. monthly full coverage premium in Pennsylvania
$429
|
Avg. annual full coverage premium in Pennsylvania
$5,149
|
Age 25
|
Avg. monthly full coverage premium in Pennsylvania
$252
|
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
$2,657
|
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
$2,254
|
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 16*
|
Avg. monthly full coverage premium in Pennsylvania
$457
|
Avg. annual full coverage premium in Pennsylvania
$5,488
|
Age 18
|
Avg. monthly full coverage premium in Pennsylvania
$538
|
Avg. annual full coverage premium in Pennsylvania
$6,454
|
Age 20
|
Avg. monthly full coverage premium in Pennsylvania
$429
|
Avg. annual full coverage premium in Pennsylvania
$5,149
|
Age 25
|
Avg. monthly full coverage premium in Pennsylvania
$252
|
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
$2,657
|
Age 40
|
Avg. monthly full coverage premium in Pennsylvania
$203
|
Avg. annual full coverage premium in Pennsylvania
$2,437
|
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
|
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, as long as they live in the same house. 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:
|
|
---|---|
Age 16*
|
Avg. annual premium for drivers in PA
$5,488
|
Age 17
|
Avg. annual premium for drivers in PA
$5,102
|
Age 18
|
Avg. annual premium for drivers in PA
$4,607
|
Age 19
|
Avg. annual premium for drivers in PA
$4,066
|
Age 20
|
Avg. annual premium for drivers in PA
$3,860
|
|
|
---|---|
Age 18
|
Avg. annual premium for drivers in PA
$6,453
|
Age 19
|
Avg. annual premium for drivers in PA
$5,640
|
Age 20
|
Avg. annual premium for drivers in PA
$5,149
|
Age | Avg. annual premium difference for drivers on their own policy |
---|---|
Age 18 | 40 percent more |
Age 19 | 39 percent more |
Age 20 | 33 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 44 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 101 percent more in Pennsylvania after a DUI.
|
|
|
---|---|---|
Clean driving record
|
Avg. annual premium* in Pennsylvania
$2,436
|
Percentage increase from Pennsylvania avg. annual premium*
0%
|
Avg. annual premium* in Pennsylvania
$2,744
|
Percentage increase from Pennsylvania avg. annual premium*
13%
|
|
Avg. annual premium* in Pennsylvania
$3,498
|
Percentage increase from Pennsylvania avg. annual premium*
44%
|
|
Avg. annual premium* in Pennsylvania
$4,904
|
Percentage increase from Pennsylvania avg. annual premium*
101%
|
Car insurance rates in Pennsylvania by credit tier
Your credit score can also affect car insurance rates in Pennsylvania. Drivers with poor credit pay an average of 97 percent more for full coverage car insurance than drivers with good credit. In comparison, rates for drivers with excellent credit are 19 percent less than the state average.
|
|
|
---|---|---|
Avg. annual premium* in Pennsylvania
$4,800
|
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
$1,974
|
Percentage difference from Pennsylvania avg. annual premium*
-19%
|
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
$2,436
|
|
Avg. annual premium* in Pennsylvania
$2,392
|
|
Avg. annual premium* in Pennsylvania
$2,225
|
|
Avg. annual premium* in Pennsylvania
$3,064
|
|
Toyota Prius
|
Avg. annual premium* in Pennsylvania
$2,474
|
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.
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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
Methodology
Bankrate utilizes Quadrant Information Services to analyze March 2025 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 full coverage limits:

Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.