- Pennsylvania car insurance averages $1,694 per year, or $141 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 Subaru Crosstrek, the Nissan Kicks, and the Nissan Rogue Sport.
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:
- Ford F-150 pickup – $1,722 per year ($144 per month)
- Ram 1500 pickup – $1,854 per year ($155 per month)
- Honda CR-V compact SUV – $1,432 per year ($119 per month)
- Toyota RAV4 compact SUV – $1,566 per year ($131 per month)
- 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.
|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 $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.
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.
|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 - $2,758 per year or $230 per month
- Pittsburgh Car Insurance - $1,620 per year or $135 per month
- Allentown Car Insurance - $1,694 per year or $141 per month
- Erie Car Insurance - $1,584 per year or $132 per month
- Reading Car Insurance - $1,662 per year or $139 per month
- Scranton Car Insurance - $1,578 per year or $132 per month
- Bethlehem Car Insurance - $1,566 per year or $131 per month
- Lancaster Car Insurance - $1,456 per year or $121 per month