Pennsylvania car insurance
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βResults will vary and some may not see savings. Average savings of $828 per year for customers who switched and saved with Experian from Jan. 1, 2022 to Mar. 31, 2024. Savings based on customers’ self-reported prior premium. Experian offers insurance from a network of top-rated insurance companies through its licensed subsidiary, Gabi Personal Insurance Agency, Inc.
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Pennsylvania car insurance quotes
Car insurance in Pennsylvania costs $2,354 per year on average, which is about on par with the national average. In 2024, the average cost of minimum coverage in Pennsylvania was $1,435 and the cost of full coverage was $2,910.
| City | Average cost of car insurance per month |
|---|---|
| Philadelphia | $278 |
| Pittsburgh | $208 |
| Allentown | $208 |
| Reading | $198 |
| Harrisburg | $198 |
| York | $170 |
| Wilkes Barre | $152 |
| Scranton | $197 |
| Erie | $196 |
Pennsylvania car insurance requirements
Here’s a look at the minimum coverage amounts required by law in Pennsylvania.
| Coverage | Minimum amount required by Pennsylvania |
|---|---|
| Bodily injury coverage | $15,000 per person / $30,000 per accident |
| Property damage coverage | $5,000 per accident |
| First Party Medical Benefit | $5,000 per person |
While the minimum coverage amounts above satisfy Pennsylvania’s auto insurance requirements, it’s typically a good idea to carry additional protection to make sure you’re adequately covered in an accident. Consider adding more coverage, including collision and comprehensive coverage, and increasing your policy limits.
How to save money on car insurance in Pennsylvania
To save money and find the cheapest car insurance in Pennsylvania, you can compare quotes, bundle your policies, increase your deductible and take advantage of discounts you may qualify for. Start by reviewing the most affordable insurance companies where you live.
| Insurer | Full coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| Root | $168 | 31% savings |
| Grange | $181 | 25% savings |
| Progressive | $198 | 18% savings |
| National General | $218 | 10% savings |
| AAA Insurance | $240 | 1% savings |
| Insurer | Minimum coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| National General | $80 | 33% savings |
| Root | $92 | 23% savings |
| Progressive | $105 | 12% savings |
| SAFECO | $105 | 12% savings |
| Liberty Mutual | $107 | 11% savings |
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Car insurance by state
Compare auto insurance by state and see state averages, including top cities and providers.