- Pennsylvania car insurance averages $1,732 per year, or $144 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 $1,732 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:
- Ford F-150 pickup – $1,762 per year ($147 per month)
- Ram 1500 pickup – $1,894 per year ($158 per month)
- Honda CR-V compact SUV – $1,470 per year ($123 per month)
- Toyota RAV4 compact SUV – $1,606 per year ($134 per month)
- 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.
|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.
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.
|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 - $2,798 per year or $233 per month
- Pittsburgh Car Insurance - $1,656 per year or $138 per month
- Allentown Car Insurance - $1,732 per year or $144 per month
- Erie Car Insurance - $1,622 per year or $135 per month
- Reading Car Insurance - $1,702 per year or $142 per month
- Scranton Car Insurance - $1,618 per year or $135 per month
- Bethlehem Car Insurance - $1,606 per year or $134 per month
- Lancaster Car Insurance - $1,496 per year or $125 per month