- Pennsylvania car insurance averages $1,338 per year, or $112 as a monthly expense.
- Pennsylvania ranks fifth 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 Massachusetts and Vermont.
- A few vehicles with cheap car insurance in Pennsylvania include the Honda CR-V, Ford Edge, Subaru CrossTrek, Toyota Tacoma, and Honda Pilot.
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:
- Ford F-150 pickup – $1,276 per year ($106 per month)
- Ram 1500 pickup – $1,454 per year ($121 per month)
- Honda CR-V compact SUV – $1,008 per year ($84 per month)
- Toyota RAV4 compact SUV – $1,288 per year ($107 per month)
- 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.
|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 $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.
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.
|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.