Pennsylvania Car Insurance Cost for 2021

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 $1,338 per year, which is 12.1% less than the national average car insurance rate of $1,523. The average cost of car insurance in Pennsylvania per month is $112 for full coverage.

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

  1. Ford F-150 pickup – $1,276 per year ($106 per month)
  2. Ram 1500 pickup – $1,454 per year ($121 per month)
  3. Honda CR-V compact SUV – $1,008 per year ($84 per month)
  4. Toyota RAV4 compact SUV – $1,288 per year ($107 per month)
  5. Chevrolet Silverado pickup – $1,396 per year ($116 per month)

Other popular vehicles in Pennsylvania and their average car insurance cost include the Chevy Trailblazer at $1,190 per year, the Kia Telluride at $1,130, the Kia Seltos at $1,172, and the Hyundai Palisade with an average cost of $1,238 per year.

The chart below shows the cost of car insurance in Pennsylvania averaged for all 2021 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Pennsylvania zip codes.
Average Car Insurance Cost in Pennsylvania
Average Car Insurance Cost in Pennsylvania
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,254$188
$500$2,658$222
$250$3,084$257
30$1,000$1,182$99
$500$1,410$118
$250$1,646$137
40$1,000$1,132$94
$500$1,338$112
$250$1,554$130
50$1,000$1,032$86
$500$1,218$102
$250$1,412$118
60$1,000$1,012$84
$500$1,196$100
$250$1,386$116

One notable exclusion from the chart above is teenage drivers. Average insurance rates in Pennsylvania for 16 to 19-year-old drivers ranges from $3,368 per year for a 19-year-old female driver up to $4,800 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 Forester, Honda CR-V, and Mazda CX-3. Individually, average insurance cost for those three models is $994, $1,008, and $1,054 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 Volkswagen Golf at $1,068 per year, the Toyota Corolla at $1,160 per year, the Honda Civic at $1,254 per year, the Mazda 6 at $1,242 per year, and the Honda Accord at $1,290 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 Ford Edge at $1,064 per year, the Kia Telluride at $1,130 per year, the Subaru Outback at $1,134 per year, and the Kia Telluride at $1,130 per year.

Midsize pickup trucks like the Toyota Tacoma and Ford Ranger make the list of the top 100 cheapest vehicles to insure in Pennsylvania along with a few full-size half-ton models like the Ford F150, the GMC Sierra, and the Toyota Tundra.

Large SUVs like the Chevrolet Suburban, Tahoe, 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 Mercedes A220, the Lexus UX 250H, the Acura MDX, and the Volvo V60.

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
1Subaru Forester$994$83
2Honda CR-V$1,008$84
3Ram Promaster City$1,046$87
4Mazda CX-3$1,054$88
5Toyota C-HR$1,060$88
6Kia Sportage$1,062$89
7Ford Edge$1,064$89
8Volkswagen Golf$1,068$89
9Mazda CX-5$1,080$90
10Subaru Crosstrek$1,092$91
11Chevrolet Spark$1,102$92
12Volvo XC40$1,104$92
13Hyundai Venue$1,112$93
14Volkswagen Atlas$1,120$93
15Subaru Impreza$1,124$94
16Hyundai Kona$1,126$94
17Kia Soul$1,126$94
18Toyota Tacoma$1,128$94
19Kia Telluride$1,130$94
20Chevrolet Blazer$1,134$95
21Jeep Compass$1,134$95
22Kia Sedona$1,134$95
23Subaru Outback$1,134$95
24Chevrolet Colorado$1,136$95
25Kia Rio5$1,138$95
26Mazda CX-30$1,138$95
27Honda Passport$1,140$95
28Nissan Kicks$1,140$95
29Mitsubishi Eclipse Cross$1,142$95
30Subaru Ascent$1,142$95
31Ford Escape$1,144$95
32Hyundai Tucson$1,144$95
33Acura RDX$1,154$96
34Nissan Frontier$1,154$96
35Volkswagen Tiguan$1,154$96
36Honda Pilot$1,156$96
37Toyota Corolla$1,160$97
38Ford Ecosport$1,164$97
39Buick Envision$1,168$97
40Kia Seltos$1,172$98
41Nissan Rogue Sport$1,180$98
42Chevrolet Trax$1,186$99
43Chevrolet Trailblazer$1,190$99
44Cadillac XT4$1,192$99
45Buick Encore$1,198$100
46Chevrolet Express$1,200$100
47Nissan Rogue$1,204$100
48Jeep Renegade$1,206$101
49Chevrolet Equinox$1,210$101
50Nissan Murano$1,210$101
51Nissan NV$1,210$101
52Ford Transit Connect$1,218$102
53Chrysler Pacifica$1,222$102
54Fiat 500X$1,224$102
55Mazda MX-5 Miata$1,226$102
56GMC Savana$1,230$103
57Hyundai Palisade$1,238$103
58Ford Ranger$1,240$103
59Mazda 6$1,242$104
60GMC Terrain$1,244$104
61Honda Insight$1,248$104
62Jeep Gladiator$1,248$104
63Acura ILX$1,250$104
64Honda Civic$1,254$105
65Subaru Legacy$1,256$105
66Honda HR-V$1,262$105
67Volvo V60$1,264$105
68Acura MDX$1,266$106
69Cadillac XT5$1,266$106
70Kia Rio$1,274$106
71Ford F150$1,276$106
72Toyota 4Runner$1,276$106
73Mazda 3$1,278$107
74Ram Promaster$1,278$107
75Lexus NX 300$1,282$107
76Volkswagen ID4$1,282$107
77Volvo XC60$1,282$107
78Kia Niro$1,284$107
79Volvo XC90$1,286$107
80Honda Ridgeline$1,288$107
81Toyota RAV4$1,288$107
82Buick Enclave$1,290$108
83Honda Accord$1,290$108
84Lincoln Nautilus$1,290$108
85Kia Sorento$1,292$108
86Volkswagen Passat$1,298$108
87Toyota Sienna$1,302$109
88GMC Sierra$1,308$109
89Kia Forte$1,308$109
90Chevrolet Malibu$1,310$109
91Mercedes-Benz A220$1,310$109
92Mini Cooper Countryman$1,310$109
93Honda Odyssey$1,316$110
94GMC Canyon$1,320$110
95Lexus UX 250H$1,322$110
96Toyota Sequoia$1,322$110
97Ford Explorer$1,324$110
98Nissan Sentra$1,324$110
99Toyota Prius$1,328$111
100Toyota Tundra$1,330$111

    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.
    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 20.5% less than New York, 9.1% less than New Jersey, 30.7% more than Ohio, 0.6% less than West Virginia, and  4.4% less than Maryland.

    When compared to other states outside the northeastern region, the average car insurance cost in Pennsylvania is 20.2% cheaper than California, 34.6% cheaper than Florida, and 9.1% 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 #25 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$960-$378
    Vermont$1,052-$286
    New Hampshire$1,100-$238
    Massachusetts$1,272-$66
    Pennsylvania$1,338--
    Maryland$1,400$62
    New Jersey$1,472$134
    Delaware$1,644$306
    Connecticut$1,658$320
    New York$1,682$344
    Rhode Island$1,804$466

    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.