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June 8, 2021

Complete Guide to Find Car Insurance in Pennsylvania

According to the Department of Insurance, there are about 225 insurance companies offering auto insurance in Pennsylvania, but not all of them offer policies in every county. Pennsylvania is one of the 10 cheapest states to insure a vehicle in the United States.
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  • National average cost per year: $1,311
  • Pennsylvania average cost per year: $1,304
  • 23rd most expensive auto premium in U.S.

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What is the average cost of car insurance in Pennsylvania?

Pennsylvania drivers pay some of the lowest auto insurance rates in the United States.
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Pennsylvania has a moderate crime rate compared to other parts of the United States. However, higher crime rates mean a higher likelihood of vandalism or theft, which raises insurance rates.
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Every state and city has its own rules and laws. As a result, car insurance rates vary in every state and even in cities. Do you know Philadelphia has the most expensive car insurance and state college have the cheapest car insurance in Pennsylvania? Wondering what will be the cost of car insurance in your city? Here is the list of auto insurance premium rates of the top cities in Pennsylvania:

CityState Minimum CoverageFull Coverage
Upper Darby$1,245$2,565
West Chester$978$1,589

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The best auto insurance in Pennsylvania varies significantly by location. City residents pay more than those who live in rural or suburban areas. The number of accidents in the area and local property crime rates can also affect rates.
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Where you live also plays a role in the cost of car insurance in Pennsylvania. Large cities, especially the City of Brotherly Love, have some of the highest rates.
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How Does Pennsylvania Compare vs Other States?

Some states, such as New Hampshire, have significantly higher minimum coverage requirements, while others, like New Jersey, have far fewer. Pennsylvania is a middle-of-the-road state when it comes to minimum coverage.
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Expect to pay less for auto insurance in Pennsylvania than you did in New Jersey. The average annual auto insurance rate in Pennsylvania is $423 more affordable than the cost in New Jersey. Keep in mind this cost depends on your coverage level, driving and insurance history, and your auto insurance company.

StateAverage Annual Rate
New Jersey$1,850

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How much is car insurance in Pennsylvania? Pennsylvania drivers pay an average of $88 per month or $1,053 per year for auto insurance. That’s more than drivers in other states.
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State laws also affect insurance costs. Pennsylvania has higher insurance requirements than other states, which means that premiums are higher.
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How Much is Car Insurance for Drivers with Bad Credit in Pennsylvania?

Car insurance costs can also fluctuate based on the precise area in which you drive. Insurance companies rely on your address to estimate your odds of filing a claim: the more claim-prone your area, the more expensive rates you’ll pay.

Listed below are major Pennsylvania cities and their average car insurance rates for drivers with bad credit.

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit

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Pennsylvania is a no-fault state with a high population density.
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Best and Cheapest Car Insurance Companies in Pennsylvania

We found that a national average for auto insurance was $1,361. In Pennsylvania, most people will pay slightly less, unless they call a big city home. The average cost for car insurance in the Keystone State is $1,275.

Rates we found reported as “typical” or “average” (annual) onlineAverage (annual)Adjusted average* (annual)
USAA**$1035, $886, $575, $234$683$731
Erie$1010, $686, $342$679$686
State Farm$1222, $1173, $777, $490$912$975
Geico$1723, $979, $738, $661$1025$848
Progressive$1991, $855, $1722, $1,1417$1480$1354
Nationwide$1,392, $3119, $5283, $707, $856$2272$1789

(*) The “adjusted average” is computed by eliminating the highest and lowest values and averaging the remaining values.
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Top Insurance Companies in Pennsylvania

Progressive is a large and well-known insurance provider available in all 50 states, including Pennsylvania. They tend to be more expensive than other Pennsylvania car insurance providers, charging around $1,833 per year, on average, for full coverage car insurance.

Company Address6300 Wilson Mills Road
Mayfield Village, OH 44143
Phone Number 
Website URLhttps://www.progressive.com/

  If you need insurance fast, call SafeAuto. We’re here to help you get car insurance in Pennsylvania that adheres by your state’s required coverages. Our flexible plans and low down payments mean you can select the coverage to match your needs and a policy that is unique to you.

Our insurance follows Pennsylvania law requirements, which are to maintain liability limits* of at least:

  • $15,000 | Bodily Injury per PersonThe first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.
  • $30,000 | Bodily Injury per AccidentThe maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $30,000 per person limit.
  • $5,000 | Property DamageThe maximum amount that your policy will pay for injury to or destruction of property of others in an accident.
  • $5,000 | First Party MedicalThe maximum amount that your policy will pay for first party medical bills that result from an accident, regardless of fault. Source URL

State Farm is one of the country’s largest car insurance companies, so it makes sense they offer good rates in Pennsylvania. It’s size alone gives it unique advantages when it comes to auto insurance coverage – more agents, more adjusters, more discounts, and more money to pay out claims. The average PA driver pays approximately $1,164 to insure a vehicle with State Farm in Pennsylvania. Source URL

State Farm
Company Address1 State Farm Plaza
Bloomington, IL 61701
Phone Number 
Website URLhttps://www.statefarm.com/

Average Annual Premiums in Pennsylvania by City

Car owners in Lansdowne, near Philadelphia, are paying the most for auto insurance among the Pennsylvania cities in our rates survey.

CityAverage annual premium
East Stroudsburg$2,023
New Castle$1,429
Upper Darby$1,997
West Chester$1,650
Wilkes Barre$1,577

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Factors that Can Increase Driver’s Insurance Rates in Pennsylvania

When searching and comparing quotes from the best auto insurance companies in Pennsylvania, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

Population-dense cities have higher premiums than rural areas because city living usually means more accidents, more property crime, and more frequent claims. In Pennsylvania, the most expensive locations for insurance are Philadelphia, Chester, and Levittown. You can also expect rates to change based on your driving patterns—long commutes or regular driving in high-risk areas can cost you.
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Number of Thefts and Accidents in Pennsylvania Impacts Driver’s Rates

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Source URL

  • National number of thefts per 1,000 vehicles: 2.94
  • Pennsylvania number of thefts per 1,000 vehicles: 1.50

The rate of car theft in Pennsylvania is lower than the national average, and in the city of Pittsburgh, it is relatively low as well. In 2013, there was a total of 616 auto thefts reported in this city. That equates to about 2 thefts per 1,000 vehicles. Some parts of the city are safer than others when it comes to auto theft and vandalism, so the ZIP code where you live plays a role in your calculated rates.
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In addition to these statewide factors, your personal information also plays a role in the cost of your auto insurance. Some of the most impactful data points include: Your credit score.
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Additional Factors that Impact Pennsylvania Insurance Rates

  • The percentage of uninsured drivers is low: 7.6%, as opposed to a national average of 13%. More uninsured drivers tends to lead to higher premium rates.
  • Pennsylvania is one of 12 no-fault states, which means that drivers are required to purchase personal injury protection (PIP) coverage in addition to liability.
  • The state’s adverse weather conditions contributed to roughly 18% of the 125,000+ accidents that happened in 2019 alone.

Auto insurance rates in Pennsylvania depend on multiple factors, including the type and year of your car, and personal characteristics such as your age, gender and marital status. Your driving record has a large impact on your rate, as well. Traffic infractions, such as speeding tickets and accidents — whether you’re at-fault or not — are likely to increase your premium.
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Location and driving patterns. Population-dense cities have higher premiums than rural areas because city living usually means more accidents, more property crime, and more frequent claims. In Pennsylvania, the most expensive locations for insurance are Philadelphia, Chester, and Levittown. You can also expect rates to change based on your driving patterns—long commutes or regular driving in high-risk areas can cost you. Source URL

How At Fault Accidents Affect Car Insurance Rates in Pennsylvania

Filing an accident claim means you are likely to pay more for your car insurance coverage. However, how much more you pay depends on several factors, and your car insurance company plays is one of those significant factors. Each company assesses risk differently, so that’s why the increase after an accident will vary among insurers. Here is how major carriers compare after at-fault accidents for the average Pennsylvania driver with a full coverage policy:

Company1 At-fault property damage accident over $2K2 At-fault property damage accident over $2kAt-fault bodily injury accident
Allstate F&C$2,467$3,614$2,467
GEICO Cas$901$1,957$901
GEICO General$2,078$2,999$2,078
Nationwide Property & Casualty$2,329$3,041$2,329
Progressive Advanced$1,608$2,905$1,608
Progressive Specialty$2,268$5,451$2,268
State Farm Mutual Auto$1,120$1,909$1,120

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If you manage to crash your car, then your insurance rates are going to take a jump. How much depends on how good your overall driving record is, so try to avoid swapping paint with other cars on a regular basis. Pennsylvania is one of around a dozen “no-fault” states. While “fault” states make it possible to avoid some of the increase from an accident by placing the fault for the accident on one driver, in Pennsylvania, each driver’s insurance pays. The upside is this system reduces costly lawsuits.

Here are the best estimates we could find from various sources on how much one accident will raise your policy premium in Pennsylvania;

Range of Rate Increases for One AccidentAverage of Rate IncreasesAdjusted Average of Rate Increases
52%, 45%, 35%44%N/A

This information is just an approximation. Many factors can change how much your insurance goes up after you have one accident. For example, if you’ve paid more in your annual insurance cost to be a part of an accident forgiveness program, your increase for one accident is nothing, but your overall cost of insurance is higher every year than if you hadn’t. Almost all of the insurers on our list above of cheap insurance providers, and many others, offer this option which was popularized by Allstate.
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Types of Coverage and Levels Impact Insurance Rates in Pennsylvania

The amount you pay monthly for auto insurance is dependent on the tier of coverage you purchase. A liability-only policy usually is less expensive, while low-deductible comprehensive coverage costs more. In Pennsylvania, the cost gap between liability-only coverage and full coverage with a $500 deductible is $778.

Coverage LevelAverage Annual Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$692
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,291
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,453
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$609
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,210
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,372
State Minimum — Liability Only$500
State Minimum — $1,000 Comprehensive/Collision$1,111
State Minimum — $500 Comprehensive/Collision$1,278

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Complete Guide to Find Car Insurance in Pennsylvania

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