Average car insurance cost in Pennsylvania
Pennsylvania lands in the affordable middle of the pack at #24 of 51, with average premiums about 5% below the national average — around $120 a year cheaper than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.
How Pennsylvania compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Pennsylvania next to nearby states:
| State | Full coverage /mo | Difference vs PA |
|---|---|---|
| Pennsylvania | $198 | — |
| New York | $226 | +$28/mo |
| New Jersey | $249 | +$51/mo |
| Ohio | $148 | −$50/mo |
| Maryland | $211 | +$13/mo |
| West Virginia | $179 | −$19/mo |
Pennsylvania car insurance FAQ
How much is car insurance in Pennsylvania?
Full-coverage car insurance in Pennsylvania averages $198 per month ($2,376 per year). A state-minimum liability policy averages $62 per month ($744 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Pennsylvania more expensive than average?
No. Pennsylvania's full-coverage average of $198/month is about 5% below the U.S. average of $208/month, ranking #24 of 51 (1 = cheapest).
Is Pennsylvania a no-fault state?
Yes. Pennsylvania uses a no-fault system, meaning drivers carry personal injury protection (PIP) and file injury claims with their own insurer regardless of who caused the accident. No-fault requirements are one reason premiums here run higher.
How much cheaper is minimum coverage in Pennsylvania?
Minimum liability in Pennsylvania averages $62/month versus $198/month for full coverage — a gap of $136/month, or $1,632/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.