- Pennsylvania car insurance averages $2,406 per year, or $201 as a monthly expense.
- Pennsylvania ranks ninth out of 11 states in the Northeast region for car insurance affordability.
- Pennsylvania car insurance costs less than New York and New Jersey, but more than New Hampshire and Vermont.
- A few vehicles with cheap car insurance in Pennsylvania include the Chevrolet Trailblazer, the Kia Soul, and the Honda Passport.
How much is car insurance in Pennsylvania?
Average car insurance cost in Pennsylvania is $2,406 per year, which is 8% less than the national average car insurance rate of $2,221. The average cost of car insurance in Pennsylvania per month is $201 for full coverage.
For the five most popular vehicles in Pennsylvania, average car insurance cost breaks down as follows:
- Ford F-150 pickup – $2,690 per year ($224 per month)
- Ram 1500 pickup – $2,782 per year ($232 per month)
- Honda CR-V compact SUV – $2,050 per year ($171 per month)
- Toyota RAV4 compact SUV – $2,220 per year ($185 per month)
- Chevrolet Silverado pickup – $2,660 per year ($222 per month)
Other popular vehicles in Pennsylvania and their average car insurance cost include the Chevy Trailblazer at $1,806 per year, the Kia Telluride at $2,510, the Kia Seltos at $2,148, and the Hyundai Palisade with an average cost of $2,460 per year.
The chart below shows the cost of car insurance in Pennsylvania averaged for all 2024 models. Rates are broken out by driver age and policy deductible limits to show how prices vary by age and coverage levels.
One notable exclusion from the chart above is teenage drivers. Average insurance rates in Pennsylvania for 16 to 19-year-old drivers ranges from $5,733 per year for a 19-year-old female driver up to $8,573 per year for a 16-year-old male driver. Teen drivers pay the highest car insurance rates of any age group.
Which cars have the cheapest insurance in Pennsylvania?
As a group, the models with the cheapest car insurance in Pennsylvania are small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Toyota Corolla Cross, and Hyundai Venue. Individually, average insurance cost for those three models is $1,776, $1,806, $1,940, and $1,954 per year, respectively.
The compact and midsize sedan segments tend to also have affordable car insurance quotes in Pennsylvania. Some of the cheapest models in those classes are the Toyota GR Corolla at $2,090 per year, the Nissan Leaf at $2,106 per year, the Honda Civic at $2,130 per year, the Nissan Sentra at $2,204 per year, and the Subaru Impreza at $2,212 per year.
Midsize SUVs tend to have an average car insurance cost that is slightly higher than the compact segment. Some of the midsize models with the cheapest insurance rates include the Honda Passport at $1,918 per year, the Nissan Murano at $2,020 per year, the Subaru Outback at $2,050 per year, and the Buick Envista at $2,058 per year.
Midsize pickup trucks like the Chevrolet Colorado, Nissan Frontier, and Ford Ranger make the list of the top 100 cheapest vehicles to insure in Pennsylvania along with a couple of full-size half-ton models, the Nissan Titan and GMC Sierra.
Large SUVs like the Chevrolet Suburban, Nissan Armada, and the GMC Yukon have more expensive car insurance rates. Luxury cars and luxury SUVs also tend to have higher average cost of car insurance, so there are just a few of those on the list like the Acura Integra, the BMW 330i, the Acura RDX, and the Lexus NX 250.
The table below shows the top 100 vehicles with cheap car insurance in Pennsylvania. If a particular make and model vehicle is not on the list, please choose your vehicle and explore our other car insurance rate comparisons.
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Pennsylvania Zip Codes. Updated June 27, 2025
Is car insurance expensive in Pennsylvania?
When compared to surrounding states, average car insurance in Pennsylvania costs 13.4% less than New York, 16.7% less than New Jersey, 21% more than Ohio, 5% more than West Virginia, and 2.3% more than Maryland.
When compared to other states outside the northeastern region, the average car insurance cost in Pennsylvania is 16.6% cheaper than California, 13.5% cheaper than Florida, and 2.4% more expensive than the average cost in Texas.
The chart below shows how average car insurance rates in Pennsylvania compare to the other states in the northeastern part of the U.S. Pennsylvania auto insurance ranks fifth out of the 11 states in the northeast region for affordability, and out of all 50 states, Pennsylvania ranks 30th for cheapest car insurance cost.
Average insurance rates by Pennsylvania city
Average car insurance rates in some larger Pennsylvania locations are shown below. Each city has a more detailed page of rate data, including the cheapest vehicles to insure, that can be viewed by clicking on the city name.
- Philadelphia Car Insurance - $3,458 per year or $288 per month
- Pittsburgh Car Insurance - $2,330 per year or $194 per month
- Allentown Car Insurance - $2,406 per year or $201 per month
- Erie Car Insurance - $2,296 per year or $191 per month
- Reading Car Insurance - $2,376 per year or $198 per month
- Scranton Car Insurance - $2,292 per year or $191 per month
- Bethlehem Car Insurance - $2,280 per year or $190 per month
- Lancaster Car Insurance - $2,172 per year or $181 per month