The average driver in Pennsylvania pays about $1,274 a year for full coverage — about 11% less than the US average of $1,438. That ranks Pennsylvania #25 of 51 states (mid-pack). The car you drive then shifts it: a cheap-to-insure model can land near $612, a high-loss one well over $9,382.
Pennsylvania insurance cost by coverage
Average Pennsylvania premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Pennsylvania
Pennsylvania legally requires at least 15/30/5 in liability coverage — $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage. Uninsured-motorist coverage is required. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Pennsylvania
Estimated annual premium in Pennsylvania, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
- Export estimates to CSV / Excel
- Zero ads — clean, fast pages
- …and much more
Most expensive cars to insure in Pennsylvania
The priciest cars to insure in Pennsylvania — powerful, theft-prone and costly to repair.
Pennsylvania insurance cost by year
Pennsylvania premiums are up about +15% since 2019. Average Pennsylvania premium by year:
| Year | Pennsylvania avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Pennsylvania's largest cities
Rates vary within Pennsylvania by city and ZIP — dense metros like Philadelphia run above the state average, while smaller towns run below. Estimated typical premium in Pennsylvania's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Philadelphia | $1,401/yr | +10% urban |
| Pittsburgh | $1,363/yr | +7% urban |
| Allentown | $1,338/yr | +5% urban |
| Erie | $1,325/yr | +4% urban |
| Reading | $1,299/yr | +2% urban |
| Scranton | $1,287/yr | ≈ state avg |
| Bethlehem | $1,274/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.