Average cost of car insurance in Pennsylvania in 2021

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The average cost of car insurance in Pennsylvania is $427 per year for minimum liability and $1,476 for full coverage that includes liability, collision and comprehensive insurance. If you lease a car or finance it, your lender will likely require you to buy more expensive full coverage. Having the knowledge and estimate of car insurance cost will help you make smart choices by planning ahead and picking the most suitable insurer. It is also the first step in saving on insurance premiums and getting affordable car insurance in Pennsylvania.

How much does car insurance cost in Pennsylvania?

Bankrate’s findings of cost of car insurance nationwide place Pennsylvania’s $427 for minimum coverage and $1,476 for full coverage, which is below the national average of $565 for basic and $1,674 for full coverage. A state’s insurance requirements are one reason car insurance may be affordable (or not). There are other factors such as carrier, ZIP code, age and driving record that could affect your premiums. Take a look at Bankrate’s in-depth findings on the other factors.

Pennsylvania car insurance rates by company

To find the cheapest car insurance in Pennsylvania, get online quotes from the best insurance carriers to compare. Bankrate’s findings, based on annual premiums for minimum and full coverage, are:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $531 $1,338
American Independent $1,080 $3,268
AmTrust Financial $657 $2,157
Auto-Owners $272 $1,098
Donegal $290 $1,279
Erie $293 $1,079
Geico $267 $916
MetLife $796 $2,413
Motorists $664 $3,069
Nationwide $240 $1,058
Penn National $217 $971
Progressive $433 $1,278
QBE $241 $1,042
State Auto Insurance $370 $1,604
State Farm $294 $1,143
USAA $290 $1,126

Pennsylvania car insurance rates by city

Refer to the list of top 20 cities by population for an overview of why the city you choose to live in matters. Philadelphia residents pay double (or more) for car insurance of what residents of Lancaster, York, Harrisburg, Mechanicsburg, Altuna and State College pay.

City Average annual premium for full coverage % difference from state average annual premium
Philadelphia $2,787 89%
Pittsburgh $1,504 2%
Erie $1,461 -1%
Lancaster $1,276 -14%
Allentown $1,497 1%
Reading $1,439 -3%
York $1,264 -14%
Bethlehem $1,438 -3%
West Chester $1,577 7%
Harrisburg $1,258 -15%
Scranton $1,538 4%
Mechanicsburg $1,169 -21%
Norristown $1,709 16%
Easton $1,435 -3%
Levittown $1,778 20%
Altoona $1,328 -10%
Wilkes-Barre $1,416 -4%
Greensburg $1,415 -4%
State College $1,128 -24%
Bensalem $1,877 27%

Cost of living in Pennsylvania and car insurance

When shopping for the best car insurance rates in Pennsylvania, it’s important to factor in your other expenses so that you’re looking at your total living costs. The graph below shows the average annual cost of living in Pennsylvania, including the average cost of car insurance. Use this graph as a guide to help determine your overall expenses so that you can decide what insurance rates fit in your budget.

Pennsylvania car insurance rates by age

One of the most expensive factors affecting car insurance is age. A teen driver pays as much as $2,372 per year, compared to $1,771 for a thirty-year-old adult.

Age Average annual premium in Pennsylvania
Age 16 $2,372
Age 17 $2,206
Age 20 $3,813
Age 22 $2,700
Age 25 $1,961
Age 30 $1,771
Age 35 $1,741
Age 40 $1,476
Age 60 $,1474

*16-year-old and 17-year-old calculated on parent’s policy disclosure

Pennsylvania car insurance rates by driving record

Safe drivers without traffic violations or accident claims can save hundreds of dollars every year. The cost of a DUI, which is typically around $25,000, is already bad enough. In addition, the conviction will remain on your record for 10 years, practically guaranteeing your premiums will be double the average for as long as it is on your driving record.

Driving incident Average annual premium in Pennsylvania % increase in average annual premium
Speeding ticket $1,663 12.7%
Accident $2,226 50.8%
DUI $3,092 109.5%

How to save on car insurance in Pennsylvania

It is no secret that safe drivers get the best car insurance rates. Some of the best ways to save on vehicle insurance in Pennsylvania are often related to avoiding accidents and tickets:

  • Accident forgiveness: Some insurance companies might give you the chance to erase one accident off your record, saving you from an increase in premiums.
  • Telematics: Some carriers allow you to enroll in a safe-driving program. You will need to enroll and download a smartphone app that tracks your driving habits. Drive safely and you will might discounts on your car insurance.
  • Defensive driving courses: Many carriers have a list of approved online defensive driving courses you could take over a weekend. The courses will improve your driving skills and generally lower your premiums if you pass.
  • Safe driver: The longer you go without an accident or moving violation, the higher the car insurance discount you may be able to earn.

Pennsylvania car insurance requirements

Pennsylvania’s state laws require all vehicle owners to carry car insurance or face a $300 fine and/or suspension of their license and registration. The state requires liability coverage of:

  • $15,000 in bodily injury per person and $30,000 per accident to pay for injuries and damages you cause to others
  • $5,000 in property damage per accident
  • $5,000 of personal injury protection (PIP) for your medical expenses, regardless of who was at fault

The state’s minimums may not be enough coverage. For example, if you cause $12,000 in damage during an accident and only have $5,000 in property damage coverage, you’ll need to pay the difference of $7,000 out of pocket. In addition, if your car is wrecked, liability insurance does not provide any money to have it repaired, leaving you to pay the full repair bill and other related expenses on your own.

Frequently asked questions

What are the penalties for driving uninsured in Pennsylvania?

Driving without insurance in Pennsylvania can have your license suspended for three months and cost you a minimum of $300 in fines. If your vehicle is impounded, the minimum cost to get it back is $94 and the fee to reinstate your driver’s license is separate.

How much is car insurance in Pennsylvania?

Because Pennsylvania is a no-fault state, you require a mandatory 15/30/5 liability coverage as well as $5,000 in PIP insurance. However, if you have a lease or a loan or if your vehicle is brand new and expensive, you may require additional collision and comprehensive coverages.

How much car insurance do I need in Pennsylvania?

To drive legally in Pennsylvania you’ll need 15/30/5 liability coverage and $5,000 PIP insurance. However, the state’s minimums may not be enough, especially if you drive a vehicle you can’t afford to lose. Therefore, full car insurance which includes coverage for your car (in addition to third-party liability insurance) may a prudent choice.

When do I need full car insurance?

If you’re planning on financing or leasing your car or have a newer, higher-value model, full car insurance is the best option. Minimum liability coverage does not provide any reimbursement related to your vehicle. Full coverage adds comprehensive and collision insurance for damages or losses due to theft, fires, storms, collisions and more.

What are the cheapest car insurance companies in Pennsylvania?

Bankrate found that the cheapest car insurance companies in Pennsylvania on average are Geico, Nationwide, Penn National and Auto-Owners. However, many factors could affect your premiums. Get quotes from several carriers to find the best rates.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a male and female driver with 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Driving record 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.

Age rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Loans Editor