The average cost of car insurance in Pennsylvania is $1,476 per year, which is lower than the U.S. national average of $1,674. Many factors determine the amount of insurance paid, including age, gender, marital status, credit score, and zip code of residence.
Even a single claim on your record could cause your insurance premiums to skyrocket by as much as 50%. Since each zip code has a unique risk profile (higher or lower number of thefts, vandalism, and similar incidents), drivers can expect to pay different car insurance rates.
What Is the Average Premium in Pennsylvania for Full Coverage Car Insurance?
Pennsylvania drivers pay an average premium of $123 per month for full coverage insurance. We highly recommend seeking full coverage since your out-of-pocket costs in an accident may be substantial with just the state-required minimum.
Full coverage car insurance consists of three liability types: comprehensive, collision, and property damage.
Comprehensive coverage protects drivers from non-collision-related losses, such as theft, fallen trees, and vandalism. Collision coverage pays for damage due to a collision with another vehicle. Property damages cover the cost of repairs for damages caused to another person’s vehicle or property.
Expect to see higher premiums with higher coverage limits and lowered deductibles. To pay a smaller monthly amount, raise your deductible. Just be sure that you can cover that deductible in case of an accident.
For peace of mind, we highly recommend obtaining full coverage above the state’s minimums.
How Much Is It for Just the Minimum Required Car Insurance in Pennsylvania?
The average premium state required minimum or liability car insurance in Pennsylvania is $430 per year. Rates vary depending on age, gender, and where you live. For example, drivers in Philadelphia can expect to pay an average monthly rate of $200 per month in full coverage, whereas drivers in the smaller towns of Johnstown and New Castle can expect to pay an average monthly rate of $90 for the same coverage.
Note, Pennsylvania is a no-fault state, meaning your insurance will cover your liability, regardless of who is at fault.
How Do Rates Compare Across Major Cities in Pennsylvania?
Pennsylvania rates vary widely from city to city. For example, the quiet town of Altoona sees an average monthly rate of $131 compared to Darby, which sees an average monthly rate of $230 a month, for full coverage. Here are how some other cities in Pennsylvania compare.
Methodology: We use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by the state. Your rates will be determined by several factors, including your age, your gender, and the amount of coverage you want to purchase.