How Much is Car Insurance in Pennsylvania?
Enter your Pennsylvania Auto Insurance zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 27, 2024
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The car, truck, or SUV that is being insured is a significant factor when looking for the best cheap coverage in Pennsylvania. Vehicles with higher performance, poor crash test ratings, or a track record of large liability claims will cost significantly more to insure than safer models. The tables below shows insurance prices for some of the more affordable vehicles to insure.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Malibu LS | $1,040 | $520 | $87 |
| Ford Fusion Sport 4-Dr Sedan | $1,126 | $563 | $94 |
| Honda Accord EX-L 2-Dr Coupe | $1,190 | $595 | $99 |
| Honda Civic Hybrid 4-Dr Sedan | $1,126 | $563 | $94 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,104 | $552 | $92 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,126 | $563 | $94 |
| Toyota Camry SE | $1,104 | $552 | $92 |
| Toyota Corolla XLE | $1,104 | $552 | $92 |
| Volkswagen Jetta S 2.5 Station Wagon | $962 | $481 | $80 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Prices do not factor in specific location which can impact premium rates greatly.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| BMW X5 3.5D AWD | $1,236 | $618 | $103 |
| Chevrolet Traverse LS 2WD | $898 | $449 | $75 |
| Ford Escape XLS 2WD | $874 | $437 | $73 |
| Ford Explorer Eddie Bauer AWD | $1,062 | $531 | $89 |
| GMC Acadia SLT AWD | $1,062 | $531 | $89 |
| GMC Terrain SLE AWD | $962 | $481 | $80 |
| Honda CR-V EX-L 4WD | $898 | $449 | $75 |
| Honda Pilot EX 2WD | $998 | $499 | $83 |
| Jeep Grand Cherokee Laredo 2WD | $1,040 | $520 | $87 |
| Kia Sportage LX 4WD 4-Dr | $1,040 | $520 | $87 |
| Nissan Pathfinder S 4WD | $976 | $488 | $81 |
| Subaru Forester XT Limited Edition W/Navigation AWD | $1,072 | $536 | $89 |
| Toyota Highlander Hybrid 4WD | $1,150 | $575 | $96 |
| Toyota RAV4 Limited 4WD | $1,040 | $520 | $87 |
| Volvo XC90 V8 AWD | $1,214 | $607 | $101 |
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in zip code location which can revise price quotes noticeably.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado LT Extended Cab 2WD | $1,016 | $508 | $85 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 2WD | $1,278 | $639 | $107 |
| Chevrolet Silverado LT Regular Cab | $1,104 | $552 | $92 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,214 | $607 | $101 |
| Ford F-150 Lariat Crew Cab 2WD | $1,062 | $531 | $89 |
| Ford F-250 Lariat Super Cab 2WD | $1,278 | $639 | $107 |
| GMC Canyon SLE Ext Cab Z71 2WD | $1,016 | $508 | $85 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,190 | $595 | $99 |
| GMC Sierra SLE Extended Cab 4WD | $1,126 | $563 | $94 |
| Toyota Tundra Limited Crew MAX 4WD | $1,214 | $607 | $101 |
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in garaging location in Pennsylvania which can increase or decrease premium rates considerably.
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For drivers in Pennsylvania, one of the big factors that help determine insurance cost is where you live in Pennsylvania. Cities with larger populations or higher claim trends like Philadelphia, Chester, and Norristown tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims receive better rates.
The illustration below lists the highest-priced areas in Pennsylvania to purchase car insurance in.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Philadelphia | $2,037 |
| 2 | Drexel Hill | $1,489 |
| 3 | Chester | $1,435 |
| 4 | Levittown | $1,421 |
| 5 | Norristown | $1,268 |
| 6 | Allentown | $1,130 |
| 7 | Erie | $1,104 |
| 8 | Reading | $1,099 |
| 9 | Wilkes-Barre | $1,089 |
| 10 | Bethlehem | $1,087 |
| 11 | Municipality of Monr | $1,081 |
| 12 | Hazleton | $1,078 |
| 13 | Pittsburgh | $1,063 |
| 14 | Easton | $1,058 |
| 15 | Plum | $1,057 |
| 16 | New Castle | $1,057 |
| 17 | Altoona | $1,042 |
| 18 | Scranton | $1,039 |
| 19 | Harrisburg | $1,025 |
| 20 | Williamsport | $996 |
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Rate quotes are estimated as specific Pennsylvania zip code can influence coverage rates greatly.
Finding reliable, cost effective car insurance is not always easy, and figuring out which company quotes the cheapest insurance rates in Pennsylvania will require even more shopping around. Each insurer has a proprietary method to establish rates, so we’ll go over the insurance companies that tend to have lower prices in Pennsylvania.
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $726 |
| 2 | Erie | $792 |
| 3 | Travelers | $803 |
| 4 | Penn National | $816 |
| 5 | USAA | $817 |
| 6 | Amica | $982 |
| 7 | Auto-Owners | $993 |
| 8 | Atlantic States | $1,047 |
| 9 | Donegal Mutual | $1,102 |
| 10 | GEICO | $1,123 |
| 11 | State Farm | $1,162 |
| 12 | Allied | $1,179 |
| 13 | California Casualty | $1,198 |
| 14 | State Auto | $1,267 |
| 15 | Encompass | $1,344 |
| 16 | Mutual Benefit Group | $1,397 |
| 17 | Progressive | $1,414 |
| 18 | Harleysville | $1,438 |
| 19 | Nationwide | $1,477 |
| 20 | Chubb | $1,536 |
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General Casualty generally has some of the most affordable car insurance rates in Pennsylvania at around $726 annually. Erie, Travelers, Penn National, and USAA also qualify as some of the cheapest Pennsylvania car insurance companies.
As illustrated above, if you are a customer of Penn National and switched to General Casualty, you might see a yearly savings of in the neighborhood of $90. Customers with USAA could save as much as $91 a year, and Amica policyholders might cut rates by $256 a year.
Understand that those rates are averages across all drivers and vehicles in Pennsylvania and and are not calculated with a rate discount in Pennsylvania. So the company that fits your situation best may not even be included in the above rate chart. That underscores the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
Enter your zip code below to view companies that have cheap auto insurance rates.
Insurance rates are higher with tickets and accidents
The easiest method to enjoy car insurance in Pennsylvania is to be a cautious driver and avoid accidents and violations. The diagram below demonstrates how citations and at-fault collisions impact auto insurance rates for different categories of driver ages. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of auto insurance in Pennsylvania per year with no violations or accidents is $2,528. Factor in two speeding tickets and the average cost surges to $3,357, an increase of $830 each year. Now include one accident along with the two speeding tickets and the 12-month cost of insurance in Pennsylvania jumps again to an average of $4,209. That’s an increase of $1,681, or $140 per month, just for not being attentive to the road!
Picking the best insurer can be a challenge considering how many companies provide coverage in Pennsylvania. The information in the lists below may help you select which car insurance companies to look at when comparing rates.
These ratings include companies that write coverage in many states, so companies with more of a regional focus will not be included in the list. To compare prices from these and other top-rated companies, click this link.
Top 10 Major Auto Insurers Overall in Pennsylvania
- The General
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
- USAA
Top 10 Major Auto Insurers in Pennsylvania Ranked by A.M. Best Rating
- GEICO – A++
- USAA – A++
- State Farm – A++
- Travelers – A++
- Progressive – A+
- The Hartford – A+
- Nationwide – A+
- Erie Insurance – A+
- Allstate – A+
- Titan Insurance – A+
The diagram below shows how choosing a deductible can change annual premium costs when trying to find cheap insurance in Pennsylvania. The rates are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
As shown above, a 30-year-old driver could lower their car insurance rates by $402 a year by changing from a $100 deductible to a $500 deductible, or save $606 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old example, could save up to $908 each year just by using higher deductibles.
If you do decide to increase your deductibles, it will now be necessary to have enough in a savings account to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
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Case Studies: Exploring Factors Affecting Car Insurance Rates in Pennsylvania
Case Study 1: John’s Safe Driver Discount
John, a 45-year-old married man in Pennsylvania, has a clean driving record and qualifies for a safe driver discount. By switching to a car insurance company that offers this discount, John saves $200 annually on his auto insurance premiums.
Case Study 2: Sarah’s Bundled Policy Savings
Sarah, a 35-year-old single woman, decides to bundle her car insurance with her renter’s insurance. By doing so, she saves $300 per year on her premiums by taking advantage of the multi-policy discount offered by her insurance provider.
Case Study 3: Mark’s Defensive Driving Course Discount
Mark, a 55-year-old retiree in Pennsylvania, completes a defensive driving course. As a result, he qualifies for a discount on his car insurance premiums. Mark saves $150 annually by demonstrating his commitment to safe driving through this course.
Frequently Asked Questions
How much is car insurance in Pennsylvania on average?
The average cost of car insurance in Pennsylvania can vary depending on several factors, including your location, driving history, age, gender, type of vehicle, coverage options, and insurance company policies. While it is difficult to provide an exact average cost that applies universally, the average annual premium for car insurance in Pennsylvania is typically around $1,000 to $1,500.
What factors can affect the cost of car insurance in Pennsylvania?
Several factors can influence the cost of car insurance in Pennsylvania, including:
- Age and gender: Younger drivers, particularly teenagers, often face higher premiums, while older and more experienced drivers may receive lower rates. Additionally, males typically have higher premiums compared to females.
- Driving record: Your driving history plays a significant role in determining your insurance rates. Drivers with a clean record and no history of accidents or traffic violations usually qualify for lower premiums.
- Location: Insurance costs can vary depending on where you live in Pennsylvania. Factors such as population density, traffic patterns, crime rates, and the likelihood of accidents or vehicle theft in your area can impact your premium.
- Vehicle type: The make, model, and age of your vehicle can affect your insurance rates. Expensive or high-performance cars typically have higher premiums due to increased repair or replacement costs.
- Coverage options: The type and amount of coverage you choose impact your premium. More extensive coverage or lower deductibles may result in higher costs.
- Credit history: In some cases, insurers in Pennsylvania may consider your credit history when determining your insurance premium.
- Insurance company: Each insurance company has its own pricing structure and policies, so rates can vary between providers.
How can I find affordable car insurance in Pennsylvania?
To find affordable car insurance in Pennsylvania, consider the following strategies:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Maintain a good driving record: Avoid accidents and traffic violations to maintain a clean driving record, which can lead to lower premiums.
- Bundle policies: Some insurance companies offer discounts if you combine multiple policies, such as car and homeowners insurance.
- Increase deductibles: Opting for higher deductibles can lower your premium, but ensure you can afford the out-of-pocket costs if you need to file a claim.
- Ask about discounts: Inquire about available discounts, such as safe driver discounts, good student discounts, or discounts for safety features in your vehicle.
- Consider usage-based insurance: Some insurers offer usage-based insurance programs where your premium is based on your driving habits, potentially resulting in lower rates for safe drivers.
Are there any specific car insurance requirements in Pennsylvania?
Yes, Pennsylvania has specific car insurance requirements. Drivers in Pennsylvania must carry liability insurance, which covers injuries or damages you cause to others in an accident. The minimum liability coverage limits required by law in Pennsylvania are $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage per accident. It is essential to comply with these requirements to legally drive in Pennsylvania.
Can I get car insurance quotes specific to Pennsylvania?
Yes, you can obtain car insurance quotes specific to Pennsylvania by reaching out to insurance providers directly or using online quote comparison tools. It’s recommended to provide accurate and detailed information about your driving history, vehicle, and coverage preferences to receive more accurate quotes.
Are there any additional fees or charges associated with car insurance in Pennsylvania?
In addition to the premium, there may be additional fees or charges associated with car insurance in Pennsylvania. These can include policy fees, installment fees for paying premiums in installments, late payment fees, and fees for adding or removing drivers or vehicles from the policy. It’s important to review the terms and conditions of the policy and ask your insurance provider about any potential fees or charges before purchasing a policy.
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