Pennsylvania Car Insurance Cost for 2022

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.

Start QuoteCompare Pennsylvania car insurance rates and save on your next policy.

How much is car insurance in Pennsylvania?

Average car insurance cost in Pennsylvania is $1,282 per year, which is 18.2% less than the national average car insurance rate of $1,567. 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:

  1. Ford F-150 pickup – $1,242 per year ($104 per month)
  2. Ram 1500 pickup – $1,464 per year ($122 per month)
  3. Honda CR-V compact SUV – $1,124 per year ($94 per month)
  4. Toyota RAV4 compact SUV – $1,210 per year ($101 per month)
  5. 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 $1,230 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Pennsylvania car insurance rates for 2022 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 June 24, 2022
Average Car Insurance Cost in Pennsylvania
Average Car Insurance Cost in Pennsylvania
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,160$180
$500$2,544$212
$250$2,950$246
30$1,000$1,132$94
$500$1,346$112
$250$1,572$131
40$1,000$1,084$90
$500$1,282$107
$250$1,488$124
50$1,000$988$82
$500$1,168$97
$250$1,350$113
60$1,000$970$81
$500$1,146$96
$250$1,326$111

One notable exclusion from the chart above is teenage drivers. Average insurance rates in Pennsylvania for 16 to 19-year-old drivers ranges from $3,218 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 $1,156 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.

Top 100 Cheapest Vehicles to Insure in Pennsylvania
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$976$81
2Nissan Kicks$1,000$83
3Chevrolet Trailblazer$1,006$84
4Subaru Crosstrek$1,028$86
5Honda Passport$1,030$86
6Chevrolet Colorado$1,054$88
7Toyota C-HR$1,054$88
8Buick Encore$1,060$88
9Nissan Rogue Sport$1,068$89
10Hyundai Venue$1,088$91
11Buick Envision$1,090$91
12Kia Seltos$1,092$91
13Ford Maverick$1,094$91
14Acura RDX$1,098$92
15Toyota Corolla Cross$1,100$92
16Subaru Ascent$1,102$92
17Hyundai Kona$1,108$92
18Mazda MX-5 Miata$1,110$93
19Subaru Impreza$1,110$93
20Subaru Forester$1,112$93
21Volkswagen Tiguan$1,114$93
22Chevrolet Spark$1,116$93
23Honda CR-V$1,124$94
24Cadillac XT4$1,126$94
25Mazda CX-30$1,134$95
26Ford Ranger$1,140$95
27Honda HR-V$1,150$96
28Ford Edge$1,156$96
29Ford Ecosport$1,162$97
30Chevrolet Trax$1,174$98
31Subaru Outback$1,174$98
32Acura ILX$1,180$98
33GMC Terrain$1,180$98
34Mitsubishi Eclipse Cross$1,184$99
35Nissan Murano$1,190$99
36Toyota Tacoma$1,190$99
37Hyundai Tucson$1,192$99
38Chevrolet Bolt$1,194$100
39Honda Odyssey$1,196$100
40Chevrolet Equinox$1,198$100
41Toyota Venza$1,198$100
42Volkswagen Taos$1,202$100
43Ford Explorer$1,206$101
44Fiat 500X$1,208$101
45Toyota RAV4$1,210$101
46Kia Sorento$1,212$101
47Kia Soul$1,212$101
48Nissan Frontier$1,218$102
49Hyundai Palisade$1,230$103
50Volkswagen Golf$1,232$103
51Volvo XC40$1,232$103
52Hyundai Santa Cruz$1,234$103
53GMC Canyon$1,236$103
54Mazda MX-30$1,236$103
55Volkswagen Atlas$1,238$103
56Ford F150$1,242$104
57Jeep Compass$1,242$104
58Subaru Legacy$1,242$104
59Honda Insight$1,246$104
60Kia Niro$1,246$104
61Volkswagen Jetta$1,246$104
62Honda Ridgeline$1,248$104
63Nissan Sentra$1,250$104
64Toyota 4Runner$1,250$104
65Nissan Rogue$1,256$105
66Jeep Gladiator$1,260$105
67Kia K5$1,260$105
68Mercedes-Benz A220$1,260$105
69Toyota Camry$1,260$105
70Toyota Corolla$1,260$105
71Cadillac XT5$1,262$105
72Ford Escape$1,262$105
73Kia Rio$1,266$106
74Volkswagen Passat$1,268$106
75Honda Civic$1,270$106
76Hyundai Ioniq 5$1,272$106
77Jeep Renegade$1,274$106
78Lexus NX 250$1,274$106
79BMW X1$1,276$106
80Mazda 3$1,276$106
81Mini Cooper Clubman$1,276$106
82Mazda 6$1,278$107
83Kia Sportage$1,282$107
84Toyota Prius$1,282$107
85Chrysler Pacifica$1,284$107
86Lexus NX 350h$1,284$107
87Volkswagen Atlas Cross Sport$1,284$107
88Chevrolet Tahoe$1,286$107
89Lexus UX 250h$1,286$107
90Mazda CX-9$1,286$107
91Ford Bronco$1,288$107
92GMC Acadia$1,290$108
93Toyota Highlander$1,290$108
94Nissan Pathfinder$1,294$108
95Honda Pilot$1,300$108
96Hyundai Accent$1,300$108
97Mitsubishi Outlander Sport$1,302$109
98GMC Sierra$1,306$109
99Lexus NX 350$1,306$109
100Volkswagen ID4$1,306$109

    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 June 24, 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 20.9% less than New York, 10.8% less than New Jersey, 44.4% more than Ohio, 6.3% 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 26.5% 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.

    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
    New Hampshire$920-$362
    Vermont$1,012-$270
    Maine$1,054-$228
    Massachusetts$1,246-$36
    Pennsylvania$1,282--
    Maryland$1,374$92
    New Jersey$1,438$156
    Connecticut$1,476$194
    Delaware$1,550$268
    New York$1,620$338
    Rhode Island$1,796$514

    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.