Each year, motorists with a minimum coverage plan typically shell out roughly $912. In Pennsylvania, the mean expense for auto insurance amounts to $1,818. Diverse driver profiles and varying levels of policy coverage contribute to the fluctuation in car insurance premiums.
The average expense increases to $4,037 per annum when including a young driver. Furthermore, in the event of a driver receiving a violation, the yearly cost escalates to approximately $2,141.
The cost of your premiums is also influenced by the car insurance company you choose. On average, a full coverage policy from Erie is priced at just $1,328, whereas comparable coverage from MetLife is approximately $2,753.
How Much Is Car Insurance in Your City?
MoneyGeek collected data on car insurance rates from various cities and used it to compute the average cost of car insurance in Pennsylvania. Our findings indicate that certain cities in Pennsylvania, particularly those with high rates of traffic density, also have high premiums. Among these cities, Philadelphia stands out as the most expensive, with an average policy cost of $2,134. On the other hand, Pittsburgh offers the cheapest policies, with an average cost of $973.
It can help you make a more informed decision on location ranks, regardless of the location of your Pennsylvania, by knowing where the costs for repair and accident liability rates vary based on specific areas. However, it is important to be aware that registering a vehicle in a city with cheap rates while residing in another may result in illegal attempts to avoid high fees.
How Much Is Car Insurance in Pennsylvania by Age?
The average cost of car insurance in Pennsylvania is the same for both drivers with lack of experience and younger drivers. Additionally, car insurance companies typically charge more for younger drivers. Age is a strong indicator of a driver’s accident risk.
Fortunately, younger drivers have the option to join their parents’ policy in order to save on their premiums, with the average cost for a 16-year-old purchasing their own policy in Pennsylvania being $4,037.
Average Costs of Full Coverage Car Insurance in Pennsylvania – By Age
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$4,037.
$3,871.
$3,502.
$3,544.
$2,962.
Average Cost of Car Insurance in Pennsylvania: Full Coverage vs. Minimum Coverage
Potential buyers should explore the costs of different coverage levels in Pennsylvania, as full coverage insurance, which definitely includes collision and comprehensive coverage, is worth the money. However, a liability-only policy, which is cheaper at $905 annually, on average costs $1,818 per year for the minimum coverage policy in PA.
Average Cost of Car Insurance in Pennsylvania by Coverage Level
The least expensive car insurance you can purchase in Pennsylvania is a state-minimum policy.
If you are considering obtaining one, be aware that you have the option to enhance your liability coverage to either 50/100/50 or 100/300/100. These numerical values indicate the levels of liability coverage provided by your policy.
For instance, a policy with a ratio of
This note highlights that your car insurance policy includes full coverage, which covers damages to your vehicle as well as liability for third parties according to the standard coverage liability.
Credit Scores and the Cost of Car Insurance in Pennsylvania
Average, insurance car in Pennsylvania is cheaper by $307 than for payers with good records.
Average Costs of Full Coverage Car Insurance in Pennsylvania – By Credit Score
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Excellent.
$1,250
Good.
$1,558
Fair.
$1,912
Below Fair.
$2,271
Poor.
$2,871
The Average Cost of Car Insurance in Pennsylvania
The average cost of car insurance in Pennsylvania is heavily influenced by factors such as the driver’s age, credit score, and driving record, according to MoneyGeek. Insurers in Pennsylvania take into account important factors such as potential repair costs and the laws pertaining to vehicle costs, as well as statewide traffic regulations. It is important to note that the average cost of car insurance in Pennsylvania is not a fixed rate and can vary depending on your personal driving history.
Average Costs of Car Insurance in Pennsylvania
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The Typical Motorist
$1,818
$151
Drivers Purchasing the Lowest Amount
$912
$76
Including a Youthful Operator.
$4,037.
$336
Drivers Who Have a Violation
$2,141
$178
Drivers With Low Credit.
$2,871
$239
Why Are Car Insurance Rates Expensive in Pennsylvania?
The increase in premiums also leads to a higher concentration of traffic on urban highways and a larger population in the state. However, the required no-fault insurance policy does not cause an increase in car insurance rates. On the other hand, it does contribute favorably to reducing vehicle theft and accidents in Pennsylvania. Additionally, each state’s car insurance rates are affected by the rate of uninsured drivers, as well as the traffic statistics related to urban areas and highways.
Average Cost of Car Insurance in Pennsylvania By Company
Erie offers the cheapest full coverage at an average of $1,328 per year. MoneyGeek identified GEICO as the cheapest company for minimum coverage, with an average of $543 per year, ranking it based on affordability.
With these additional coverages, MetLife has an average annual cost of $2,753, for instance. Nevertheless, premiums also increase with these extra benefits. It is worth contemplating because even the priciest companies in Pennsylvania provide valuable features such as roadside assistance, identity theft protection, and good driver rewards.
USAA provides the top choice for military households, catering to both minimal and comprehensive protection.
Average Annual Costs of Car Insurance in Pennsylvania – By Company
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$374.
$991
$571.
$1,328
$825.
$1,330
$543.
$1,344
$652.
$1,370
How Does Driving History Affect Car Insurance Costs in Pennsylvania?
Maintaining a problem-free driving history helps to lower your risk of accidents and keeps your insurance costs low. Similarly, drivers with bad driving records in Pennsylvania pay an average of $324 per year in additional premiums for a speeding ticket.
The insurance costs increase as the severity of the violation worsens. For instance, an at-fault accident can result in an extra $1,890 per annum. On average, Pennsylvania drivers face an additional expense of $2,023 annually if caught driving while intoxicated.
Average Costs of Full Coverage Car Insurance in Pennsylvania – By Driving History
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Safe Driver.
$1,818
Speeding Ticket.
$2,141
At-Fault Accident.
$3,071
DUI.
$3,204
Frequently Asked Questions About Pennsylvania Car Insurance Rates
Take a glance at the frequently asked questions when purchasing automobile insurance in Pennsylvania.
About Mark Fitzpatrick
He has been quoted in several publications on various insurance topics, including Mashable and NBC News. Mark Fitzpatrick, the senior director of content at GeekMoney, has over five years of experience in creating personalized content and conducting original research on the insurance market.
Mark, who earned a bachelor’s degree from Boston College and a master’s degree in International Relations and Economics from Johns Hopkins University, is passionate about using his knowledge of insurance and economics to bring transparency and foster confidence in financial matters. He strives to help others and is enthusiastic about discussing various financial topics.