Pennsylvania Car Insurance Cost for 2023

How much are average car insurance rates in Pennsylvania? We break down rates to find the vehicles with the overall cheapest car insurance in PA.

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How much is car insurance in Pennsylvania?

Average car insurance cost in Pennsylvania is $1,694 per year, which is 0.5% less than the national average car insurance rate of $1,685. The average cost of car insurance in Pennsylvania per month is $141 for full coverage.

For the five most popular vehicles in Pennsylvania, average car insurance cost breaks down as follows:

  1. Ford F-150 pickup – $1,722 per year ($144 per month)
  2. Ram 1500 pickup – $1,854 per year ($155 per month)
  3. Honda CR-V compact SUV – $1,432 per year ($119 per month)
  4. Toyota RAV4 compact SUV – $1,566 per year ($131 per month)
  5. Chevrolet Silverado pickup – $1,852 per year ($154 per month)

Other popular vehicles in Pennsylvania and their average car insurance cost include the Chevy Trailblazer at $1,278 per year, the Kia Telluride at $1,680, the Kia Seltos at $1,370, and the Hyundai Palisade with an average cost of $1,572 per year.

The chart below shows the cost of car insurance in Pennsylvania averaged for all 2023 models. Rates are broken out by driver age and policy deductible limits to show how prices vary by age and coverage levels.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Pennsylvania car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Pennsylvania zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Pennsylvania
Average Car Insurance Cost in Pennsylvania
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,854$238
$500$3,372$281
$250$3,916$326
30$1,000$1,498$125
$500$1,786$149
$250$2,088$174
40$1,000$1,430$119
$500$1,694$141
$250$1,970$164
50$1,000$1,306$109
$500$1,546$129
$250$1,792$149
60$1,000$1,282$107
$500$1,516$126
$250$1,758$147

One notable exclusion from the chart above is teenage drivers. Average insurance rates in Pennsylvania for 16 to 19-year-old drivers ranges from $4,264 per year for a 19-year-old female driver up to $6,068 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 Chevrolet Trailblazer, Subaru Crosstrek, Buick Encore, and Buick Envision. Individually, average insurance cost for those three models is $1,278, $1,292, $1,346, and $1,354 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 $1,400 per year, the Volkswagen Jetta at $1,548 per year, the Subaru Legacy at $1,556 per year, the Nissan Sentra at $1,572 per year, and the Toyota Corolla at $1,592 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 $1,316 per year, the Subaru Ascent at $1,378 per year, the Ford Edge at $1,434 per year, and the Ford Explorer at $1,442 per year.

Midsize pickup trucks like the Ford Maverick, Chevrolet Colorado, and Nissan Frontier 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 Ford F150.

Large SUVs like the Chevrolet Suburban, Ford Expedition, and the Toyota Sequoia 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 RX 350.

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.

Top 100 Cheapest Vehicles to Insure in Pennsylvania
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,278$107
2Subaru Crosstrek$1,292$108
3Nissan Kicks$1,296$108
4Honda Passport$1,316$110
5Nissan Rogue Sport$1,318$110
6Mazda CX-5$1,330$111
7Buick Encore$1,346$112
8Buick Envision$1,354$113
9Kia Seltos$1,370$114
10Subaru Ascent$1,378$115
11Hyundai Venue$1,382$115
12Subaru Impreza$1,400$117
13Chevrolet Colorado$1,408$117
14Ford Maverick$1,408$117
15Honda HR-V$1,408$117
16Acura RDX$1,412$118
17Hyundai Kona$1,418$118
18Subaru Forester$1,428$119
19Honda CR-V$1,432$119
20Ford Edge$1,434$120
21Mazda CX-30$1,440$120
22Ford Explorer$1,442$120
23Volkswagen Atlas$1,446$121
24Nissan Murano$1,452$121
25Chevrolet Trax$1,454$121
26Subaru Outback$1,456$121
27Nissan Frontier$1,462$122
28Volkswagen Tiguan$1,470$123
29Ford Bronco Sport$1,472$123
30Fiat 500X$1,502$125
31GMC Terrain$1,502$125
32Ford Ranger$1,504$125
33Mitsubishi Eclipse Cross$1,506$126
34Kia Soul$1,508$126
35Volkswagen Atlas Cross Sport$1,510$126
36Lexus RX 350$1,516$126
37Acura Integra$1,520$127
38Cadillac XT4$1,526$127
39Chevrolet Equinox$1,526$127
40Toyota Corolla Cross$1,526$127
41Volkswagen Taos$1,534$128
42GMC Canyon$1,540$128
43Toyota Venza$1,540$128
44Mazda CX-50$1,542$129
45Honda Odyssey$1,546$129
46Volkswagen Jetta$1,548$129
47Hyundai Tucson$1,550$129
48Kia Sorento$1,550$129
49Toyota Tacoma$1,550$129
50Ford Escape$1,554$130
51Subaru Legacy$1,556$130
52Volvo XC40$1,558$130
53Nissan Rogue$1,560$130
54Mazda MX-5 Miata$1,562$130
55Infiniti QX50$1,566$131
56Mazda MX-30$1,566$131
57Toyota RAV4$1,566$131
58Hyundai Palisade$1,572$131
59Nissan Sentra$1,572$131
60Hyundai Santa Cruz$1,574$131
61Kia Niro$1,574$131
62Lexus UX 250h$1,582$132
63Mini Cooper$1,582$132
64Chevrolet Tahoe$1,584$132
65Toyota 4Runner$1,584$132
66Jeep Compass$1,588$132
67Toyota Corolla$1,592$133
68Toyota Prius$1,594$133
69Volkswagen Golf$1,596$133
70Cadillac XT5$1,608$134
71Toyota Camry$1,608$134
72Mini Cooper Clubman$1,610$134
73GMC Acadia$1,616$135
74Chevrolet Traverse$1,618$135
75Mazda 3$1,626$136
76Honda Pilot$1,628$136
77Jeep Renegade$1,634$136
78Kia K5$1,634$136
79Buick Enclave$1,636$136
80Chevrolet Bolt$1,642$137
81Mercedes-Benz GLA250$1,642$137
82Toyota bz4X$1,644$137
83Mazda CX-9$1,646$137
84Mercedes-Benz GLB 250$1,646$137
85Nissan Pathfinder$1,646$137
86Cadillac XT6$1,648$137
87Chevrolet Malibu$1,650$138
88Chrysler 300$1,650$138
89Honda Civic$1,658$138
90Chrysler Pacifica$1,660$138
91Kia Forte$1,662$139
92Lexus NX 250$1,668$139
93Mitsubishi Mirage G4$1,670$139
94Mitsubishi Outlander Sport$1,676$140
95Nissan Titan$1,678$140
96Chevrolet Suburban$1,680$140
97Kia Telluride$1,680$140
98Honda Ridgeline$1,684$140
99Acura MDX$1,686$141
100Lexus NX 350h$1,688$141

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Pennsylvania.Data last updated on December 30, 2022
    Top 100 Cheapest Vehicles to Insure in Pennsylvania

    Is car insurance expensive in Pennsylvania?

    When compared to surrounding states, average car insurance in Pennsylvania costs 17% less than New York, 20.7% less than New Jersey, 37.7% more than Ohio, 7.8% more than West Virginia, and 3.4% more than Maryland.

    When compared to other states outside the northeastern region, the average car insurance cost in Pennsylvania is 20.6% cheaper than California, 22.9% cheaper than Florida, and 3.4% 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.

    Get Rates in Your AreaWhy is this important?

    Average Car Insurance Cost in Pennsylvania Compared to Northeast Region
    Average Car Insurance Cost in Pennsylvania Compared to Northeast Region
    Northeast Region States Average Insurance Cost Annual Difference
    Maine$1,062-$632
    New Hampshire$1,182-$512
    Vermont$1,280-$414
    Maryland$1,638-$56
    Pennsylvania$1,694--
    Massachusetts$1,922$228
    Connecticut$1,966$272
    Delaware$2,008$314
    New York$2,042$348
    New Jersey$2,136$442
    Rhode Island$2,186$492

    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.