Find Cheaper Pennsylvania Car Insurance Rates in 2024
Enter your Pennsylvania zip code below to view companies that have cheap auto insurance rates.
Estimated insurance rates in Pennsylvania for 2024 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:
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.
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.
Enter your Pennsylvania zip code below to view companies that have cheap auto insurance rates.
Recommended Companies for Cheap Pennsylvania Insurance
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.
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.
| Make and Model | Premium | % to Avg |
|---|---|---|
| Chevrolet Silverado | $1,414 | 5.1% |
| Dodge Ram | $1,454 | 7.7% |
| Ford Escape | $1,116 | -20.3% |
| Ford Focus | $1,298 | -3.4% |
| Ford Fusion | $1,424 | 5.8% |
| Ford F-150 | $1,262 | -6.3% |
| GMC Acadia | $1,236 | -8.6% |
| GMC Sierra | $1,394 | 3.7% |
| Honda Accord | $1,254 | -7% |
| Honda Civic | $1,466 | 8.5% |
| Honda CR-V | $1,086 | -23.6% |
| Honda Pilot | $1,276 | -5.2% |
| Hyundai Sonata | $1,358 | 1.2% |
| Kia Optima | $1,384 | 3% |
| Nissan Altima | $1,380 | 2.8% |
| Nissan Rogue | $1,346 | 0.3% |
| Toyota Camry | $1,368 | 1.9% |
| Toyota Corolla | $1,338 | -0.3% |
| Toyota Prius | $1,242 | -8.1% |
| Toyota RAV4 | $1,266 | -6% |
| Get Rates for Your Vehicle Quote Now | ||
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.| Rank | Company | Market Share | Average Rate |
|---|---|---|---|
| 1 | State Farm | 20.11% | $1,186 |
| 2 | Erie Insurance | 13.32% | $808 |
| 3 | Allstate | 12.00% | $3,083 |
| 4 | Nationwide | 9.87% | $1,167 |
| 5 | Progressive | 8.90% | $1,443 |
| 6 | Geico | 7.00% | $1,134 |
| 7 | Liberty Mutual | 5.53% | $2,432 |
| 8 | Travelers | 3.57% | $795 |
| 9 | USAA | 3.14% | $801 |
| 10 | Farmers Insurance | 2.12% | N/A |
| Get Your Rates Quote Now | |||
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 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
| Deductible | Premium |
|---|---|
| $100 | $1,712 |
| $250 | $1,540 |
| $500 | $1,342 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 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
| Age | Premium |
|---|---|
| 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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| 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 |
Discounts are estimated and may not be available from every company or in every state.
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