Average Cost of Car Insurance in Pennsylvania for 2025
Quick Answer
Car insurance in Pennsylvania costs on average $2,386 annually or $199 per month. However, your age, driving record, credit and the vehicle you drive can all impact the cost of car insurance in Pennsylvania.
The average cost of car insurance in Pennsylvania is $2,386 annually or $199 per month, according to Experian data from January 2025 and based on policies sold through our automotive insurance marketplace.
Here are the average premium costs for full and minimum coverage car insurance in Pennsylvania:
| Type of Coverage | Annual Cost | Monthly Cost |
|---|---|---|
| Full coverage | $2,481 | $207 |
| Minimum coverage | $1,352 | $113 |
Source: Experian data as of January 2025
Pennsylvania law requires drivers to carry:
- Minimum bodily injury liability coverage of $15,000 per person and $30,000 per accident
- Minimum property damage liability coverage of $5,000 per accident
- Minimum of $5,000 in first-party medical benefits coverage per accident
While minimum coverage car insurance offers savings compared to full coverage, it may not provide enough financial protection. Insurance professionals usually advise buying coverage of at least $100,000 per person and $300,000 per accident for bodily injuries and $100,000 for property damage. In addition, if you have a financed or leased car, you're typically required to get full coverage auto insurance, which includes collision and comprehensive coverage.
Pennsylvania is a choice no-fault state, meaning you can decide whether to participate in the no-fault insurance system. If you do, you'll file claims with your own insurance after an accident, no matter which driver was at fault. Car insurance tends to cost more in no-fault insurance states because insurance carriers in those states generally face higher expenses.
The cost of car insurance depends on factors such as:
- Age (younger drivers typically pay more)
- Where you live (you may pay more in areas of Pennsylvania with lots of accidents or car thefts)
- The car you're insuring (new cars cost more to insure than used cars)
- Your driving record (incidents and violations usually drive your costs up)
While our average costs for Pennsylvania auto insurance can be good guideposts, the actual cost of your car insurance is likely to differ. To help you find the best rates on car insurance, take some time to compare insurance quotes before purchasing a policy.
One thing that won't impact your car insurance premiums in Pennsylvania is your gender. Car insurance companies in Pennsylvania are prohibited from considering your gender when setting your insurance rates.
How Are Car Insurance Costs Trending?
Car insurance costs have been rising nationwide in the past few years, so if you feel like your Pennsylvania car insurance is more expensive than it used to be, you're not alone. Increasing costs for vehicles, parts and repairs are a factor, as are higher payouts for more serious accidents and lawsuits. In addition, the increasing frequency of severe weather events, such as hurricanes, floods and winter storms, are pushing insurance companies' costs higher. As a result, insurers are raising their premiums to compensate.
The chart below shows that since March 2023, the average cost of full coverage car insurance in the U.S. has increased by 30.46%. The average cost of minimum coverage auto insurance has risen, too, by 15.45% nationwide.
Average Annual Auto Insurance Premiums, 2023-2025
Even if you're satisfied with your Pennsylvania car insurance rates, there could be a more affordable option out there. To find out, you can try using Experian's free car insurance comparison tool. It gathers quotes from multiple top insurance carriers for you, so you can review your options at a glance.
Average Pennsylvania Car Insurance Rates by City
Where you live in Pennsylvania affects the price you'll pay for car insurance. Drivers and vehicles are exposed to different risks in some parts of Pennsylvania than others. For instance, major cities typically have more crowded roadways and higher rates of auto theft, which can lead to auto claims. The cost of medical care and car repairs may also be higher in certain cities than in others, which can impact your auto insurance rates.
The chart below shows how the average cost of auto insurance in some of Pennsylvania's most populous cities varies based on the location.
| City | Annual Cost |
|---|---|
| Harrisburg | $1,980 |
| Allentown | $2,063 |
| Pittsburgh | $2,114 |
| Reading | $2,295 |
| Philadelphia | $2,981 |
Source: Experian data as of January 2025
Note: Top cities are ranked by those with highest policy count
Average Pennsylvania Car Insurance Rates by Age and Gender
In states that allow gender to be considered when setting auto insurance rates, women may pay less than men for car insurance. That's because women are statistically less likely to be involved in serious car accidents or DUIs, according to the Insurance Information Institute (III).
In Pennsylvania, where gender can't legally factor into auto insurance premiums, women typically pay more for car insurance than men, as the chart below shows.
| Gender | Annual Cost | Monthly Cost |
|---|---|---|
| Male | $2,290 | $191 |
| Female | $2,419 | $202 |
Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies
When age is factored into the cost of car insurance, the gap between how much men and women generally pay is more pronounced, as the chart below shows. Younger drivers, particularly men, usually pay higher premiums than older drivers. That's because young drivers are less experienced and statistically more likely to be involved in accidents.
Car insurance rates typically decrease as you get older—sometimes considerably. In the chart below, you can see that average auto insurance premiums tend to decline steadily until drivers reach their mid-70s, when rates start rising again.
| Age | Female | Male |
|---|---|---|
| Under 20 | $3,307 | $3,717 |
| 20-29 | $2,642 | $2,683 |
| 30-39 | $2,436 | $2,252 |
| 40-49 | $2,327 | $2,141 |
| 50-59 | $1,983 | $1,942 |
| 60-69 | $1,660 | $1,669 |
| 70-79 | $1,628 | $1,758 |
| 80 or above | $1,701 | $1,894 |
Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies
How Your Driving Record Impacts Your Insurance Costs in Pennsylvania
A habit of safe driving can help minimize your risk of accidents or traffic citations, which can pay off in reduced auto insurance premiums. A driving record with a history of moving violations or accidents (even if you weren't at fault in the collisions) could prompt insurance companies to see you as a high-risk driver and raise your car insurance rates accordingly. Having several car accidents or serious infractions such as DUIs on your record will have a bigger effect on your insurance rates and may even cause your insurer to cancel your policy.
The chart below shows how the number and severity of infractions could affect your car insurance premiums. Incidents include things like traffic accidents or insurance claims; violations include moving violations, such as speeding tickets.
| Driving Record | Annual Cost |
|---|---|
| 1 Incident | $2,088 |
| 1 Violation | $2,262 |
| 2 Incidents | $2,353 |
| 2 Violations | $2,280 |
| 3+ Incidents | $2,698 |
| 3+ Violations | $2,870 |
Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies
Cheapest Car Insurance in Pennsylvania
The cost of your car insurance is affected by considerations such as your age, location and vehicle, but these aren't the only factors that may impact your premiums. Because each car insurance carrier uses its own method to set insurance rates, the price you pay for auto insurance can vary greatly depending on the provider you choose.
Shopping around and comparing quotes from several insurance companies can help you find the most affordable car insurance for your needs. The table below shows the cheapest full coverage auto insurance among the insurance carriers that sell the most policies in Pennsylvania.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Root | $2,009 | $167 |
| Grange | $2,169 | $181 |
| Progressive | $2,381 | $198 |
| National General | $2,611 | $218 |
| AAA Insurance | $2,879 | $240 |
Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums
It's impossible to know exactly how each insurance carrier determines its rates. However, factors such as the company's profitability goals, projected operating costs, estimated claims payouts and risk tolerance typically come into play. An insurance carrier with higher overhead expenses may charge more than one with lower overhead costs, for example.
How to Save on Car Insurance in Pennsylvania
There are plenty of things you can do to save on car insurance in Pennsylvania and still get the coverage you need.
Seek Discounts
Your current car insurance provider may offer discounts that you aren't aware of. Ask what's available and then visit other insurance company websites to see what discounts they offer. Many insurance companies offer discounts if you bundle home and auto insurance, pay your premium upfront, set up autopay or turn off paper billing. You may also save by signing documents online or getting your quotes online.
A high school or college student who gets good grades or is away at school without a car might qualify for a discount. You can also ask whether your workplace or any membership organizations you belong to offer car insurance deals.
Increase Your Deductible
When you file a car insurance claim, you generally have to pay a deductible before the insurance coverage kicks in. You can usually select a deductible of between $250 and $2,000 when you buy your auto policy. Raising your deductible usually lowers your premiums because you're shouldering more of the financial risk of a claim.
Before making any changes, however, assess whether you can afford to pay the higher deductible in case of a claim. Evaluate the state of your emergency fund and your other financial resources, and check with your insurance provider to see how different deductibles would impact your rates.
Eliminate Extra Coverage
Add-on insurance such as rental car reimbursement, windshield replacement or roadside assistance coverage can be nice to have, but not always necessary. When you're trying to save money, dropping unneeded extras could be a good way to lower your car insurance premiums. For instance, if your family owns several cars, you may not need rental car reimbursement coverage while your car is being repaired.
You might also consider dropping collision and comprehensive coverage if your vehicle is paid off and isn't worth very much. The most collision and comprehensive coverage pay out is the vehicle's value. If that's only a few thousand dollars, the coverage may not be worth the cost. Just be sure you could pay to replace or repair your car out of pocket if it's totaled.
Drive Less
The more miles you drive annually, the more likely you are to have an auto accident. Driving less reduces your risk, which is why many insurance companies offer discounts for those who drive less than 12,000 miles annually. To reduce your insurance bill, look for ways to cut your mileage. For instance, you could try carpooling, biking or switching to remote work if it's feasible.
To maintain your low-mileage car insurance discount, you'll typically be required to track your mileage through self-reported or third-party odometer readings or devices installed in your car. Another option for low-mileage drivers is pay-per-mile car insurance, which charges a monthly base rate plus a per-mile charge for each additional mile that you drive.
Drive Safely
Maintaining a clean driving record with no incidents or violations is one of the best ways to keep your auto insurance costs down. Driving safely helps you avoid traffic citations or accidents. If you need a refresher, consider taking a defensive driving or safe driving course. Doing so can earn you a discount on car insurance. For example, Pennsylvania law requires insurers to drop your premiums by at least 5% if everyone on your policy is 55 or older and you successfully complete an approved driver improvement course.
Improve Your Credit
Insurance companies in Pennsylvania can review your credit-based insurance score when calculating your premiums. Having a poor score could mean paying more for auto insurance. Taking steps to improve your consumer credit score could positively impact your credit-based insurance score, which could save you money on car insurance.
Shop Around
If you never shop for car insurance, you'll never know if you could be saving money. Make it a practice to compare quotes from several different insurance carriers at least once a year. You can get car insurance quotes from insurance company websites or by contacting insurance companies directly.
For a faster way to explore your options, you can use Experian's free car insurance comparison tool. It collects car insurance quotes from multiple top insurance companies in Pennsylvania, making it easy to see which carrier offers the lowest rates.
Methodology
This analysis is based on a review of auto insurance policies and quotes provided through Experian's insurance marketplace. Policy premium and quote averages are based on driver data across all genders and ages unless otherwise noted.
Experian's insurance marketplace matches users with auto insurance coverage from more than 30 carriers across 50 states and Washington, D.C.
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About the author
Karen Axelton
Karen Axelton specializes in writing about business and entrepreneurship. She has created content for companies including American Express, Bank of America, MetLife, Amazon, Cox Media, Intel, Intuit, Microsoft and Xerox.
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