Pennsylvania Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, car insurance rates in Pennsylvania average about $204 a month ($2,444 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 13% below the national average in our data. It’s higher than in Maryland, West Virginia and Ohio but lower than in New York, New Jersey and Delaware. Erie has the lowest full-coverage average among the five major insurers we compared (Allstate, Erie, GEICO, Progressive and State Farm), at about $165 a month.

Pennsylvania car insurance: key numbers

• Full coverage: about $204 a month ($2,444 a year)
• Liability only (15/30/5): about $53 a month
• Lowest-priced insurer: Erie has the lowest full-coverage average among the five major insurers we compared, at about $165 a month
• Recent price change: −1.9% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Philadelphia County (about $369 a month) and Cumberland County (about $154)

Car insurance rates in Pennsylvania depend heavily on where you live. Philadelphia pulls the state average up: outside Philadelphia County, full coverage averages about $191 a month in our data, and every other Pennsylvania city with two or more ZIP codes in our data costs at least $125 a month less than Philadelphia. The company you pick matters too: statewide, Allstate’s average is about $82 a month above Erie’s. Use these averages as a benchmark, then compare Pennsylvania auto insurance quotes for your own car and ZIP code.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 632 Pennsylvania ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in Pennsylvania?

The average for full coverage in Pennsylvania is about $204 a month ($2,444 a year). For liability-only coverage at the state’s 15/30/5 minimum, it is $53 a month ($641 a year). Both are for a 40-year-old driver with a clean record. That puts it 13% under the national average, using rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Pennsylvania averages $2,444 a year, or about $204 a month, for our benchmark driver. Liability-only coverage at Pennsylvania’s 15/30/5 minimum averages $641 a year ($53 a month), and 50/100/50 liability with comprehensive and collision averages $2,368 ($197 a month).

• Full coverage (100/300/100, $500 deductibles): $2,444 a year ($204 a month)
• 50/100/50 with $500 deductibles: $2,368 a year ($197 a month)
• Liability only (15/30/5): $641 a year ($53 a month)
• Philadelphia: $4,422 a year ($369 a month) for full coverage
• Pittsburgh: $2,309 a year ($192 a month) for full coverage
• Outside Philadelphia County: $2,288 a year ($191 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Pennsylvania Compares With Neighboring States

Pennsylvania’s average is about $84 a month below New York’s, $75 below New Jersey’s, $37 below Delaware’s, $7 above Maryland’s, $10 above West Virginia’s and $67 above Ohio’s. It’s the 25th-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Pennsylvania: Companies Compared

Among these five insurers, the lowest auto insurance rates in PA for our benchmark driver come from Erie, at about $165 a month ($1,983 a year), with GEICO and State Farm next at $194 and $197. Travelers and Nationwide, which we list with a *, come in lower still in our table. The bullets and table below show all five major insurers we compared and the four marked *; use them as a shortlist when you compare car insurance quotes in PA.

• Lowest average among these five insurers, full coverage: Erie, at about $165 a month ($1,983 a year).
• Next lowest among these five insurers: GEICO and State Farm, effectively tied at $194 and $197, then Progressive at $216.
• Liability only (15/30/5): about $30 to $89 a month across the five insurers.
• Also on our list: Travelers at about $132 a month, Nationwide at $159, Westfield Insurance at $183 and USAA at $199 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $247 a month for full coverage, $980 a year more than Erie.

Erie has the lowest full-coverage average among the five insurers in our Pennsylvania rate data. The seven published 2026 statewide Pennsylvania rate studies we reviewed disagree on the cheapest insurer for full coverage: two rank Travelers first, two Auto-Owners and one each Erie, Encova and State Farm. Four of the seven price Travelers below Erie, and two price Nationwide below it. For liability-only coverage at 15/30/5 limits, averages run from about $30 to $89 a month among these five insurers; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.

These are statewide averages for our benchmark driver: what car insurance costs in PA on average, not a quote for you. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.

See What You’d Pay in Pennsylvania

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How Pennsylvania’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Pennsylvania?

For our benchmark driver, full coverage isn’t going up. Comparing the same insurers in the same Pennsylvania ZIP codes, full coverage averaged $2,491 a year nine months earlier and $2,444 in rates as of Aug. 31, 2026, a 1.9% drop. State Farm cut its Pennsylvania average 10.1% and Progressive 1.9%, while Allstate raised its average 2.6%; Erie’s and GEICO’s averages were unchanged. Liability-only coverage at 15/30/5 limits rose 0.5%, led by Allstate, which raised its liability-only average 4.6%. For context, the Pennsylvania Insurance Department says the auto rate filings it approved in 2025 averaged a 0.2% decrease, and recent 2026 filings an average 0.5% decrease.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Pennsylvania Car Insurance Costs

Three things stand out in our numbers and in state law.

• Philadelphia costs far more than the rest of the state. Philadelphia County averages about $369 a month for full coverage, the only Pennsylvania county above $3,000 a year in our data. Outside Philadelphia County, full coverage averages about $191 a month, and every other Pennsylvania city with two or more ZIP codes in our data costs at least $125 a month less than Philadelphia.
• The southeast and the Poconos cost more. After Philadelphia, the most expensive counties we price are Delaware County, next to Philadelphia ($247), and Pike ($243) and Monroe ($233) counties in the Poconos, while Cumberland, Adams, Union and Clinton counties in central Pennsylvania average $154 to $158.
• Every policy carries medical benefits and a tort choice. Pennsylvania policies must include at least $5,000 in medical benefits, which pay your own medical bills no matter who caused the crash, and you choose full tort or limited tort, which changes both your premium and your right to sue, according to the Pennsylvania Insurance Department’s auto insurance guide.

Pennsylvania Car Insurance Rates by City

Philadelphia is the most expensive of the 31 Pennsylvania cities with two or more ZIP codes in our data, at about $369 a month for full coverage, followed by East Stroudsburg ($244) and Levittown ($226). Carlisle is the least expensive of them, at about $152. Counting single-ZIP towns, Lansdowne, Upper Darby and Sharon Hill in Delaware County, next to Philadelphia, are the next most expensive places we price, at $327 to $335 a month, and Boiling Springs the least expensive, at $151. The table lists car insurance rates for all 476 Pennsylvania cities and towns we price and links our 11 city guides.

The table lists all 476 Pennsylvania cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Pennsylvania City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Pennsylvania Car Insurance Rates by County

Philadelphia County is the most expensive county in our data, at about $369 a month for full coverage, followed by Delaware County ($247) and Pike County ($243). The least expensive of the 63 counties we price are Cumberland County ($154), Adams County ($157) and Union and Clinton counties (both $158). We price 63 of Pennsylvania’s 67 counties. Cameron, Forest, Fulton and Sullivan counties aren’t among the ZIP codes we price.

How Much More Does Better Coverage Cost in Pennsylvania?

Raising liability limits from 50/100/50 to 100/300/100 adds about $76 a year on average statewide in our data, with the same $500 deductibles. Across the five insurers, the change runs from $33 less a year (Erie) to $179 more (Progressive). Statewide, that’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Limited Tort vs. Full Tort in Pennsylvania

Every Pennsylvania policy asks you to choose between full tort and limited tort. With full tort, you keep the unrestricted right to sue the at-fault driver, pain and suffering included. Limited tort is cheaper, but it bars pain-and-suffering damages unless your injuries qualify under one of the law’s exceptions. Full tort applies to you unless you choose limited tort.

The savings from limited tort vary by insurer, so compare both options when you shop. The Pennsylvania Insurance Department’s auto insurance guide explains the choice in detail.

Pennsylvania Car Insurance Rules at a Glance

What Car Insurance Is Required in Pennsylvania?

Under Pennsylvania law, liability coverage must be at least $15,000 per person and $30,000 per crash for injuries, plus $5,000 for property damage. Shorthand for those liability limits is often 15/30/5. Medical benefits coverage of $5,000 is also required on your policy. Every policy asks you to choose between full tort and limited tort, and uninsured and underinsured motorist coverage is optional.

• Bodily injury liability: $15,000 for one person and $30,000 for everyone hurt in one crash.
• Property damage liability: $5,000.
• Medical benefits: $5,000, which pay your own medical bills after a crash no matter who caused it, according to the Pennsylvania Insurance Department’s auto insurance guide.
• Combined single limit: some insurers offer a $35,000 combined single limit instead of split limits, which also meets the liability requirement, according to the Pennsylvania Insurance Department.

Uninsured and underinsured motorist coverage is optional in Pennsylvania, and stacking of those coverages applies unless you reject it. Stacking multiplies your coverage limit by the number of cars on your policy, so rejecting it lowers your premium and your protection. Optional first-party coverages include income loss, funeral benefits and extraordinary medical benefits, which pay medical and rehabilitation costs above $100,000, up to $1.1 million. Our liability-only prices use 15/30/5 limits with 15/30 uninsured and underinsured motorist coverage; our full-coverage prices include both at 100/300.

Penalties for Driving Without Insurance in Pennsylvania

Letting your insurance lapse has real penalties. PennDOT suspends the car’s registration for three months unless the lapse was shorter than 31 days and you prove the car wasn’t driven, according to its insurance penalties page. The 30 days run from the date the insurance was canceled, not from the date of PennDOT’s letter, and if you aren’t replacing the coverage, your plate and registration card must reach PennDOT within 30 days of the cancellation.

Driving uninsured brings a fine of at least $300 plus three-month suspensions of both your registration and your driver’s license, and no one may drive the car while its registration is suspended. Instead of the registration suspension, you can pay a $500 civil penalty, no more than once in 12 months. Getting your privileges back costs a $94 license restoration fee and a $119 registration restoration fee, according to PennDOT and its fee schedule.

Proof of Insurance, Rating Rules and Complaints

Insurers have been able to issue insurance ID cards in electronic form since Feb. 21, 2014, if you and your insurer agree to it, under Act 132 of 2013. Pennsylvania insurers can’t charge different rates by gender. Some use your credit history to set your first premium, but they can’t use it to raise your rate at renewal, and an insurer can nonrenew you only on your policy’s anniversary, according to the Pennsylvania Insurance Department’s auto insurance guide.

The department reviews auto rate filings year-round, and it says the filings it approved in 2025 averaged a 0.2% decrease, according to its April 2026 rate announcement. For problems with an insurer, it takes complaints and questions at 1-877-881-6388, and its company research page includes a consumer complaint comparison tool.

How to Lower Your Car Insurance Rate in Pennsylvania

1. Quote several insurers. Among the five major insurers we compared in Pennsylvania, the lowest and highest averages are about $82 a month apart for the same driver and car.
2. Compare Erie, GEICO and State Farm first. Erie has the lowest full-coverage average among the five major insurers we compared in Pennsylvania, about $165 a month, and GEICO and State Farm are effectively tied for next, at about $194 and $197 a month.
3. Take the mature driver course if you’re 55 or older. Pennsylvania law requires a discount of at least 5% on each car when everyone named as an insured on the policy is 55 or older and has completed a PennDOT-approved driver improvement course. You keep it by taking a refresher course every three years (PennDOT mature driver course).
4. Choose your tort option on purpose. Limited tort lowers your premium, but you can’t recover pain-and-suffering damages unless your injuries meet an exception in the law. Full tort costs more and keeps that right, and it’s what you get if you don’t choose.
5. Decide on stacking. Stacked uninsured and underinsured motorist coverage applies unless you reject it. Rejecting it lowers your premium, but it also lowers your protection if you insure more than one car.
6. Don’t let coverage lapse. PennDOT suspends your registration for three months after a lapse unless it lasted less than 31 days and you prove the car wasn’t driven (PennDOT penalties), so line up your new policy before the old one ends.
7. Compare at every renewal. Over the past nine months, State Farm has cut its statewide average 10.1% and Progressive 1.9%, while Allstate has raised its average 2.6%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
9. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Pennsylvania home insurance rates and our home insurance guide for Philadelphia, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.

Compare Pennsylvania Car Insurance Quotes

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How We Calculated Pennsylvania Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 3,160 full-coverage premiums from five insurers across 632 Pennsylvania ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old male or female driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use. Pennsylvania doesn’t let insurers use gender to set car insurance rates, so the price is the same for men and women.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Pennsylvania’s 15/30/5 minimum, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Every Pennsylvania policy must also include at least $5,000 in first-party medical benefits; the requirements section of this page explains what they pay.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Pennsylvania rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from the Pennsylvania Insurance Department and PennDOT. We refresh these figures when new rate data is released.

More Pennsylvania Car Insurance Breakdowns

The table below comes from an additional InsuranceQuotes rate analysis that priced state-minimum coverage by vehicle type in all 67 counties, with its own driver profile, which is why its dollar amounts differ from the averages above. Use it to compare vehicle types and counties with each other rather than as a price for your car.

Pennsylvania Car Insurance Rates by County and Vehicle Type

In that analysis, SUVs were the least expensive vehicle type to insure, about $699 a year on average across counties, and hybrids the most, about $895, a 28% gap. Philadelphia and Delaware counties rank as the most expensive there too.

Methodology for Our Additional Pennsylvania Rate Analysis

Rates in the additional analysis are based on one vehicle and one driver with state-minimum coverage and $500 deductibles. The driver is 35 years old, female or male, employed, a college graduate and has good credit, with no traffic violations, claims or lapse in coverage. The vehicle is assumed to be a sedan that’s garaged at home, used mainly for commuting and driven 16,000 miles a year. Rates include commonly available insurer discounts and aren’t guaranteed.

Pennsylvania Car Insurance FAQ