- Pennsylvania car insurance averages $1,282 per year, or $107 as a monthly expense.
- Pennsylvania ranks fifth 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 Massachusetts and Vermont.
- A few vehicles with cheap car insurance in Pennsylvania include the Nissan Kicks, the Chevrolet Trailblazer, and the Honda Passport.
How much is car insurance in Pennsylvania?
Average car insurance cost in Pennsylvania is $1,282 per year, which is 17.3% less than the national average car insurance rate of $1,551. The average cost of car insurance in Pennsylvania per month is $107 for full coverage.
For the five most popular vehicles in Pennsylvania, average car insurance cost breaks down as follows:
- Ford F-150 pickup – $1,242 per year ($104 per month)
- Ram 1500 pickup – $1,464 per year ($122 per month)
- Honda CR-V compact SUV – $1,120 per year ($93 per month)
- Toyota RAV4 compact SUV – $1,210 per year ($101 per month)
- Chevrolet Silverado pickup – $1,376 per year ($115 per month)
Other popular vehicles in Pennsylvania and their average car insurance cost include the Chevy Trailblazer at $1,006 per year, the Kia Telluride at $1,342, the Kia Seltos at $1,092, and the Hyundai Palisade with an average cost of $1,228 per year.
The chart below shows the cost of car insurance in Pennsylvania averaged for all 2022 models. Rates are broken out by driver age and policy deductible limits to show how prices vary by age and coverage levels.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
One notable exclusion from the chart above is teenage drivers. Average insurance rates in Pennsylvania for 16 to 19-year-old drivers ranges from $3,216 per year for a 19-year-old female driver up to $4,590 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 Mazda CX-5, Nissan Kicks, Buick Encore, and Nissan Rogue Sport. Individually, average insurance cost for those three models is $976, $1,000, $1,060, and $1,068 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 Subaru Impreza at $1,110 per year, the Chevrolet Spark at $1,116 per year, the Volkswagen Golf at $1,232 per year, the Subaru Legacy at $1,242 per year, and the Volkswagen Jetta at $1,246 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 $1,030 per year, the Subaru Ascent at $1,102 per year, the Ford Edge at $1,154 per year, and the Subaru Outback at $1,174 per year.
Midsize pickup trucks like the Chevrolet Colorado, Ford Maverick, 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 Ford F150 and GMC Sierra.
Large SUVs like the Chevrolet Suburban, Toyota Sequoia, and the Ford Expedition have more expensive car insurance rates, so those models do not make the list. 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 ILX, the Mercedes-Benz A220, the Acura RDX, and the Cadillac XT4.
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.
Is car insurance expensive in Pennsylvania?
When compared to surrounding states, average car insurance in Pennsylvania costs 20.9% less than New York, 10.8% less than New Jersey, 44.4% more than Ohio, 6.4% less than West Virginia, and 6.7% less than Maryland.
When compared to other states outside the northeastern region, the average car insurance cost in Pennsylvania is 26.6% cheaper than California, 42.5% cheaper than Florida, and 10.7% cheaper 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 #5 out of the 11 states in the northeast region for affordability, and out of all 50 states, Pennsylvania ranks #21 for cheapest car insurance cost.
|Northeast Region States||Average Insurance Cost||Annual Difference|
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 - $2,540 per year or $212 per month
- Pittsburgh Car Insurance - $1,446 per year or $121 per month
- Allentown Car Insurance - $1,516 per year or $126 per month
- Erie Car Insurance - $1,412 per year or $118 per month
- Reading Car Insurance - $1,484 per year or $124 per month
- Scranton Car Insurance - $1,406 per year or $117 per month
- Bethlehem Car Insurance - $1,394 per year or $116 per month