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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.
Average cost of car insurance in Pennsylvania for 2025
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.
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 $517 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 102 percent more, compared to an average of 12 percent more for a speeding ticket.
- Pennsylvania car insurance rates increase by an average of 84 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, such as population density, theft and vandalism statistics, the likelihood and severity of car accidents and the cost of living 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.