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 $1,732 per year, which is 0.2% less than the national average car insurance rate of $1,728. The average cost of car insurance in Pennsylvania per month is $144 for full coverage.

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

  1. Ford F-150 pickup – $1,762 per year ($147 per month)
  2. Ram 1500 pickup – $1,894 per year ($158 per month)
  3. Honda CR-V compact SUV – $1,470 per year ($123 per month)
  4. Toyota RAV4 compact SUV – $1,606 per year ($134 per month)
  5. Chevrolet Silverado pickup – $1,896 per year ($158 per month)

Other popular vehicles in Pennsylvania and their average car insurance cost include the Chevy Trailblazer at $1,310 per year, the Kia Telluride at $1,722, the Kia Seltos at $1,406, and the Hyundai Palisade with an average cost of $1,610 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 August 12, 2023
Average Car Insurance Cost in Pennsylvania
Average Car Insurance Cost in Pennsylvania
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 $4,364 per year for a 19-year-old female driver up to $6,208 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 $1,310, $1,322, $1,382, and $1,386 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 $1,436 per year, the Volkswagen Jetta at $1,582 per year, the Subaru Legacy at $1,596 per year, the Nissan Sentra at $1,608 per year, and the Toyota Corolla at $1,626 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 $1,346 per year, the Subaru Ascent at $1,410 per year, the Ford Edge at $1,468 per year, and the Ford Explorer at $1,476 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$1,310$109
2Subaru Crosstrek$1,322$110
3Nissan Kicks$1,330$111
4Honda Passport$1,346$112
5Nissan Rogue Sport$1,352$113
6Mazda CX-5$1,362$114
7Buick Encore$1,382$115
8Buick Envision$1,386$116
9Kia Seltos$1,406$117
10Subaru Ascent$1,410$118
11Hyundai Venue$1,414$118
12Subaru Impreza$1,436$120
13Ford Maverick$1,438$120
14Honda HR-V$1,440$120
15Acura RDX$1,446$121
16Chevrolet Colorado$1,446$121
17Hyundai Kona$1,454$121
18Subaru Forester$1,462$122
19Ford Edge$1,468$122
20Honda CR-V$1,470$123
21Mazda CX-30$1,472$123
22Ford Explorer$1,476$123
23Volkswagen Atlas$1,480$123
24Chevrolet Trax$1,488$124
25Nissan Murano$1,488$124
26Subaru Outback$1,492$124
27Nissan Frontier$1,496$125
28Volkswagen Tiguan$1,506$126
29Ford Bronco Sport$1,508$126
30Fiat 500X$1,536$128
31Ford Ranger$1,538$128
32GMC Terrain$1,540$128
33Kia Soul$1,542$129
34Mitsubishi Eclipse Cross$1,546$129
35Volkswagen Atlas Cross Sport$1,548$129
36Lexus RX 350$1,550$129
37Acura Integra$1,556$130
38Chevrolet Equinox$1,558$130
39Cadillac XT4$1,564$130
40Toyota Corolla Cross$1,564$130
41Volkswagen Taos$1,568$131
42GMC Canyon$1,574$131
43Toyota Venza$1,578$132
44Mazda CX-50$1,580$132
45Volkswagen Jetta$1,582$132
46Honda Odyssey$1,584$132
47Toyota Tacoma$1,584$132
48Hyundai Tucson$1,586$132
49Ford Escape$1,588$132
50Kia Sorento$1,590$133
51Nissan Rogue$1,594$133
52Volvo XC40$1,594$133
53Subaru Legacy$1,596$133
54Mazda MX-5 Miata$1,602$134
55Infiniti QX50$1,604$134
56Toyota RAV4$1,606$134
57Nissan Sentra$1,608$134
58Hyundai Palisade$1,610$134
59Hyundai Santa Cruz$1,610$134
60Kia Niro$1,610$134
61Mazda MX-30$1,610$134
62Mini Cooper$1,618$135
63Lexus UX 250h$1,622$135
64Chevrolet Tahoe$1,624$135
65Toyota 4Runner$1,624$135
66Jeep Compass$1,626$136
67Toyota Corolla$1,626$136
68Volkswagen Golf$1,630$136
69Toyota Prius$1,632$136
70Cadillac XT5$1,646$137
71Mini Cooper Clubman$1,646$137
72Toyota Camry$1,646$137
73GMC Acadia$1,650$138
74Chevrolet Traverse$1,654$138
75Mazda 3$1,662$139
76Honda Pilot$1,668$139
77Jeep Renegade$1,670$139
78Buick Enclave$1,672$139
79Kia K5$1,672$139
80Chevrolet Bolt$1,680$140
81Mercedes-Benz GLA250$1,680$140
82Nissan Pathfinder$1,682$140
83Toyota bz4X$1,684$140
84Cadillac XT6$1,686$141
85Chevrolet Malibu$1,686$141
86Mercedes-Benz GLB 250$1,686$141
87Mazda CX-9$1,688$141
88Chrysler 300$1,690$141
89Chrysler Pacifica$1,696$141
90Honda Civic$1,696$141
91Kia Forte$1,700$142
92Lexus NX 250$1,708$142
93Mitsubishi Mirage G4$1,708$142
94Mitsubishi Outlander Sport$1,712$143
95Nissan Titan$1,714$143
96Chevrolet Suburban$1,718$143
97Honda Ridgeline$1,720$143
98Kia Telluride$1,722$144
99Acura MDX$1,726$144
100Kia Sportage$1,728$144

    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 August 12, 2023
    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 18.4% less than New York, 22.8% less than New Jersey, 30.9% more than Ohio, 7.2% more than West Virginia, and 3.3% more than Maryland.

    When compared to other states outside the northeastern region, the average car insurance cost in Pennsylvania is 22.5% cheaper than California, 25% cheaper than Florida, and 3.3% 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
    New Hampshire$1,218-$514
    New York$2,084$352
    New Jersey$2,178$446
    Rhode Island$2,224$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.