Average cost of car insurance in Pennsylvania in 2023

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for 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 are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes.

Age rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Driving incident rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Credit-based rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit the use of credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).

The average cost of minimum coverage in Pennsylvania is $428 per year, or about $36 per month. Like most states, Pennsylvania drivers must carry a minimum amount of liability coverage to drive legally:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $5,000 property damage liability per accident
• $5,000 personal injury protection (called “First-Party Benefits” in Pennsylvania)

Pennsylvania is a no-fault state, so personal injury protection (PIP) is required, although the state refers to it as “First-Party Benefits” or “FPB.” Uninsured and underinsured motorist coverages must be offered but can be declined in writing. Minimum coverage may come with some of the cheapest rates in Pennsylvania, but it provides very little financial protection. Most insurance professionals recommend you purchase higher liability limits if you can afford to. You might even want to consider full coverage, which includes collision and comprehensive coverage, and will be a requirement if you have a loan or lease on your vehicle. The average cost of full coverage car insurance in Pennsylvania is $2,040 annually, or $170 monthly.

The best car insurance company in Pennsylvania is different for everyone. That’s because each driver has unique characteristics that are factored into their car insurance rates and each insurance company factors rates differently. When shopping for car insurance, it may be helpful to consider what factors are most important to you, whether the price, coverage options, discount eligibility, mobile features or company characteristics like financial strength. With these factors in mind, you can then shop for a company that best aligns with your insurance needs at a price that fits your budget.

Based on Bankrate’s research, Penn National, Nationwide, QBE, Geico and Auto-Owners offer cheap average rates for full coverage in the Keystone State. However, it’s important to understand that the cheapest car insurance company in Pennsylvania varies for every driver. The cheapest option for you is typically the one that offers the best rates based on your personal factors  with the coverage you need. By getting a few personalized quotes from different carriers, you may be able to find the cheapest car insurance company in Pennsylvania for your unique situation.