Pennsylvania Car Insurance Rates

Estimated insurance rates in Pennsylvania for 2019 are $1,342 every 12 months with full coverage. Comprehensive, collision, and liability cost an estimated $298, $546, and $346, respectively. Philadelphia and Drexel Hill average the highest average rates, and the two most popular companies in Pennsylvania are State Farm and Erie Insurance.

Average rate for full coverage: $1,342

Rate estimates broken down by individual coverage type:

Comprehensive $298
Collision $546
Liability $346

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range of Auto Insurance in Pennsylvania

For an average driver, insurance rates go from as low as $410 for basic liability insurance to a high of $2,896 for a driver required to buy high-risk insurance.

Liability Only $410
Full Coverage $1,342
High Risk $2,896

These rate differences demonstrate why it is important to compare rates for a targeted area and risk profile, instead of using average rates.

Use the form below to get accurate rates for your location.

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Pennsylvania car insurance rate comparison chart
Column chart showing Pennsylvania car insurance prices range from $771 to $4,932 for full coverage

The chart above shows Pennsylvania auto insurance rates for different risk profiles and scenarios. The best rate after discounts is $771. Pennsylvania drivers who use higher $1,000 deductibles will pay around $1,150. The average rate for a driver around age 40 using $500 deductibles is $1,342. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,712. Drivers with multiple violations and accidents could be charged up to $2,896. The cost for full coverage insurance for a teenage driver is $4,932.

Insurance rates in Pennsylvania also have a wide range based on your driving characteristics, the make and model of your vehicle, and liability limits and deductibles.

Using high physical damage deductibles could save up to $570 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $312 more per year. View Rates by Deductible or Liability Limit

Where you choose to live in Pennsylvania makes a big difference in auto insurance prices. Rural areas might see rates around $1,000 a year, while some neighborhoods in Philadelphia and Drexel Hill may see rates upwards of $3,100. Even different areas within the same city can have large rate differences.

These rate differences highlight the importance of getting rates based on your location.

View Chart as Image

Pennsylvania insurance rates by city

The type of vehicle you drive is a primary factor in determining how much you will pay for insurance in Pennsylvania. Electing to drive a less expensive and lower-performance model will cost less to insure due to cheaper replacement cost and reduced frequency of accidents.

The table below shows premium estimates for some of the more popular vehicles that are insured in Pennsylvania.

Pennsylvania Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,4145.1%
Dodge Ram$1,4547.7%
Ford Escape$1,116-20.3%
Ford Focus$1,298-3.4%
Ford Fusion$1,4245.8%
Ford F-150$1,262-6.3%
GMC Acadia$1,236-8.6%
GMC Sierra$1,3943.7%
Honda Accord$1,254-7%
Honda Civic$1,4668.5%
Honda CR-V$1,086-23.6%
Honda Pilot$1,276-5.2%
Hyundai Sonata$1,3581.2%
Kia Optima$1,3843%
Nissan Altima$1,3802.8%
Nissan Rogue$1,3460.3%
Toyota Camry$1,3681.9%
Toyota Corolla$1,338-0.3%
Toyota Prius$1,242-8.1%
Toyota RAV4$1,266-6%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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If you have a few violations or tend to cause accidents, you may be forking out $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 133% more than a normal policy. View High Risk Driver Rates

The company you choose obviously affects your policy price. In Pennsylvania, every insurance company has a different rate structure, and prices can change depending on individual risk factors. In Pennsylvania, car insurance prices range from $733 with General Casualty to as much as $5,639 with Safeco. Companies like Travelers, USAA, and Erie fall in the middle.

Those are not necessarily the rates you would pay, as any driving violations, your vehicle make and model, and your location all influence the price.

Pennsylvania Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm20.11%$1,186
2Erie Insurance13.32%$808
3Allstate12.00%$3,083
4Nationwide9.87%$1,167
5Progressive8.90%$1,443
6Geico7.00%$1,134
7Liberty Mutual5.53%$2,432
8Travelers3.57%$795
9USAA3.14%$801
10Farmers Insurance2.12%N/A
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Older drivers with a clean driving record and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for drivers in their teens, where even good drivers can expect to pay at least $4,900 a year. View Rates by Age

With so much difference in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, so the rates will be substantially different from one company to the next.

Pennsylvania Auto Insurance Articles

Car Insurance Articles for Pennsylvania Cities

Read about how to save money on auto insurance in some of the larger cities in Pennsylvania below.

Philadelphia

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Rates by Driver Age

Pennsylvania Insurance Rates by Driver Age
Driver AgePremium
16$4,932
20$3,092
30$1,404
40$1,342
50$1,226
60$1,200

Full coverage, $500 deductibles

Rates by Deductible

Pennsylvania Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,712
$250$1,540
$500$1,342
$1,000$1,150

Full coverage, driver age 40

Rates by Liability Limit

Pennsylvania Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,342
50/100$1,411
100/300$1,498
250/500$1,723
100 CSL$1,446
300 CSL$1,636
500 CSL$1,775

Full coverage, driver age 40

Rates for High Risk Drivers

Pennsylvania Car Insurance Rates for High Risk Drivers
AgePremium
16$7,044
20$4,914
30$2,964
40$2,896
50$2,760
60$2,736

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $186

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$71
Multi-vehicle$69
Homeowner$19
5-yr Accident Free$101
5-yr Claim Free$86
Paid in Full/EFT$63
Advance Quote$67
Online Quote$95
Total Discounts$571
Rate after discounts $771

Discounts are estimated and may not be available from every company or in every state.

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