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Average cost of car insurance in Pennsylvania in 2024

Pennsylvania drivers pay an average rate of $2,791 for full coverage and $522 for minimum coverage insurance.

Updated Mar 14, 2024
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How much is car insurance in Pennsylvania?

When researching, “How much is car insurance in Pennsylvania?" you’ll find that annual Pennsylvania car insurance rates are slightly higher than the national average for full coverage, but lower for minimum coverage. According to our 2023 rate analysis, the annual average cost of car insurance in Pennsylvania is $2,791 for full coverage, while the national average is $2,545. For minimum coverage, the national average is $741 per year compared to Pennsylvania’s $522 per year. Keep in mind that your rates will vary based on several personal factors. Your ZIP code, age, marital status, credit-based insurance score, driving record, claims history, the insurer you choose and the type of vehicle you insure will all impact your car insurance rates in Pennsylvania.

Key takeaways

  • Pennsylvania drivers pay a monthly average of $233 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 87 percent more, compared to an average of 8 percent more for a speeding ticket.
  • Pennsylvania car insurance rates increase by an average of 50 percent more for drivers with poor credit, while those with excellent credit may pay around 12 percent less.

Pennsylvania car insurance rates by city

In Pennsylvania, car insurance rates vary by city. Insurance companies look at population density, theft and vandalism statistics, the likelihood and severity of car accidents, cost of living and medical care to determine rates by ZIP code. To give you an idea of how rates can vary by city, we compared rates for five Pennsylvania cities with some of the largest population. Drivers living in Scranton generally pay close to the average car insurance cost in Pennsylvania for full coverage, but drivers in Erie, Allentown, Reading and Pittsburgh see an average of anywhere from 2 to almost 6 percent savings over the state average.

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

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Powered by Coverage.com (NPN: 19966249)

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.

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.

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
$523
Avg. annual full coverage premium in Pennsylvania
$6,272
Age 18
Avg. monthly full coverage premium in Pennsylvania
$617
Avg. annual full coverage premium in Pennsylvania
$7,400
Age 20
Avg. monthly full coverage premium in Pennsylvania
$493
Avg. annual full coverage premium in Pennsylvania
$5,917
Age 25
Avg. monthly full coverage premium in Pennsylvania
$272
Avg. annual full coverage premium in Pennsylvania
$3,265
Age 30
Avg. monthly full coverage premium in Pennsylvania
$244
Avg. annual full coverage premium in Pennsylvania
$2,930
Age 40
Avg. monthly full coverage premium in Pennsylvania
$233
Avg. annual full coverage premium in Pennsylvania
$2,790
Age 50
Avg. monthly full coverage premium in Pennsylvania
$217
Avg. annual full coverage premium in Pennsylvania
$2,605
Age 60
Avg. monthly full coverage premium in Pennsylvania
$202
Avg. annual full coverage premium in Pennsylvania
$2,429
Age 70
Avg. monthly full coverage premium in Pennsylvania
$215
Avg. annual full coverage premium in Pennsylvania
$2,578
Age 40
Avg. monthly full coverage premium in Pennsylvania
$233
Avg. annual full coverage premium in Pennsylvania
$2,790
Age 50
Avg. monthly full coverage premium in Pennsylvania
$217
Avg. annual full coverage premium in Pennsylvania
$2,605
Age 60
Avg. monthly full coverage premium in Pennsylvania
$202
Avg. annual full coverage premium in Pennsylvania
$2,429
Age 70
Avg. monthly full coverage premium in Pennsylvania
$215
Avg. annual full coverage premium in Pennsylvania
$2,578
*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
$522
Avg. annual full coverage premium in Pennsylvania
$6,270
Age 18
Avg. monthly full coverage premium in Pennsylvania
$617
Avg. annual full coverage premium in Pennsylvania
$7,401
Age 20
Avg. monthly full coverage premium in Pennsylvania
$493
Avg. annual full coverage premium in Pennsylvania
$5,917
Age 25
Avg. monthly full coverage premium in Pennsylvania
$272
Avg. annual full coverage premium in Pennsylvania
$3,265
Age 30
Avg. monthly full coverage premium in Pennsylvania
$244
Avg. annual full coverage premium in Pennsylvania
$2,930
Age 40
Avg. monthly full coverage premium in Pennsylvania
$233
Avg. annual full coverage premium in Pennsylvania
$2,791
Age 50
Avg. monthly full coverage premium in Pennsylvania
$217
Avg. annual full coverage premium in Pennsylvania
$2,605
Age 60
Avg. monthly full coverage premium in Pennsylvania
$203
Avg. annual full coverage premium in Pennsylvania
$2,430
Age 70
Avg. monthly full coverage premium in Pennsylvania
$215
Avg. annual full coverage premium in Pennsylvania
$2,578
Age 40
Avg. monthly full coverage premium in Pennsylvania
$233
Avg. annual full coverage premium in Pennsylvania
$2,791
Age 50
Avg. monthly full coverage premium in Pennsylvania
$217
Avg. annual full coverage premium in Pennsylvania
$2,605
Age 60
Avg. monthly full coverage premium in Pennsylvania
$203
Avg. annual full coverage premium in Pennsylvania
$2,430
Age 70
Avg. monthly full coverage premium in Pennsylvania
$215
Avg. annual full coverage premium in Pennsylvania
$2,578
*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:

Caret Down
Age 16*
Avg. annual premium for drivers in PA
$6,271
Age 17
Avg. annual premium for drivers in PA
$5,930
Age 18
Avg. annual premium for drivers in PA
$5,327
Age 19
Avg. annual premium for drivers in PA
$4,914
Age 20
Avg. annual premium for drivers in PA
$4,692
*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
$7,400
Age 19
Avg. annual premium for drivers in PA
$6,355
Age 20
Avg. annual premium for drivers in PA
$5,917
*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 39 percent more
Age 19 29 percent more
Age 20 26 percent more

*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

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 8 percent more, on average, while an at-fault accident shows an average increase of 31 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 87 percent more in Pennsylvania after a DUI.

Clean driving record
Avg. annual premium* in Pennsylvania
$2,791
Percentage increase from Pennsylvania avg. annual premium*
0%
Avg. annual premium* in Pennsylvania
$3,026
Percentage increase from Pennsylvania avg. annual premium*
8%
Avg. annual premium* in Pennsylvania
$3,669
Percentage increase from Pennsylvania avg. annual premium*
31%
Avg. annual premium* in Pennsylvania
$5,210
Percentage increase from Pennsylvania avg. annual premium*
87%
*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 50 percent more than the state average. However, drivers with average excellent credit pay around 12 percent less.

Avg. annual premium* in Pennsylvania
$4,180
Percentage difference from Pennsylvania avg. annual premium*
50%
Average
Avg. annual premium* in Pennsylvania
$2,967
Percentage difference from Pennsylvania avg. annual premium*
6%
Avg. annual premium* in Pennsylvania
$2,791
Percentage difference from Pennsylvania avg. annual premium*
0%
Excellent
Avg. annual premium* in Pennsylvania
$2,444
Percentage difference from Pennsylvania avg. annual premium*
-12%
*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
$2,791
Avg. annual premium* in Pennsylvania
$2,367
Avg. annual premium* in Pennsylvania
$2,217
BMW 330i
Avg. annual premium* in Pennsylvania
$3,327
Toyota Prius
Avg. annual premium* in Pennsylvania
$2,760
*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.

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.

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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’s a few tips that could help you save money on car insurance in Pennsylvania:

  • Take advantage of telematics programs. Some car insurance companies offer telematics programs as a way for drivers to earn discounts on their car insurance or other rewards for safe driving habits. Tracked behavior can include maintaining a safe speed, braking and accelerating smoothly, hard cornering and more.
  • Maximize your discounts. It's become increasingly common for car insurance companies to offer a variety of auto discounts. These discounts can range from paperless billing to claims-free discounts. The more discounts you are eligible for, the more money you might save on your car insurance rates.
  • 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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Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 2022 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.

Credit-based insurance scores: 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 or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Model: 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).

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.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.

Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Editor, Insurance
Reviewed by Expert Reviewer, CFA, CPA