Explore rating factors and average premiums for auto insurance in Pennsylvania.
But car insurance premiums are affected by factors other than your location. Car insurance rates take into account an array of factors, including a motorist's marital status, driving history, credit rating, gender, and age.
We analyzed average Pennsylvania auto insurance prices by each of the major pricing components. Continue reading to learn how much car insurance costs in your state — or enter your zip to see tailored quotes from top car insurers.
It's a common phenomenon: as you age, your car insurance rates change. Generally speaking, auto insurance is more expensive for young drivers, as insurers see inexperienced motorists as less responsible.
In Pennsylvania, car insurance costs $4,769 each year for a 16-year-old driver, versus $1,216 annually for a client in their 50s.
|Age||Average Annual Premium|
If you're shopping for car insurance for a teen driver, Pennsylvania is the 7th cheapest state in which to buy auto insurance for a 16-year-old.
While gender doesn’t have as significant an effect on car insurance rates as a driver's location or age, it is incorporated as a rating factor by auto insurance companies.
|Gender||Average Yearly Rate|
If you're concerned you aren't getting the best value for your money with your present auto insurance company, the best course of action is to shop around and compare rates.
One pro of marriage — in addition to the wedding gifts — is the lower prices you often get on your car insurance policy. In Pennsylvania, married drivers save $52 per year on car insurance policies. This is less than the US mean of $76.
|Marital Status||Average Annual Rate|
Car insurance for divorced drivers in Pennsylvania is the 20th most expensive in the nation. If you're paying too much for your auto insurance policy, weigh your options carefully. You could end up saving big!
Car insurers use credit history as a way of determining the reliability of a prospective client. Trended data suggest drivers who hold excellent credit histories are more dependable car insurance clients: they less frequently file claims insurance companies are compelled to cover.
In Pennsylvania, a car insurance client who has unblemished credit saves $1,379.07 each year on auto insurance rates, contrasted with a driver who has a poor credit score. Read more about how credit score can impact car insurance costs:
|Credit Level||Average Annual Rate|
|Very Poor (300-579)||$2,596.44|
|Very Good (740-799)||$1,477.11|
If you've been found to be at fault for a driving incident or convicted of a vehicular infraction, your insurance premiums are bound to rise. The more offenses you amass, the more costly your car insurance policy gets.
In Pennsylvania, your first at-fault fender bender leads to a penalty of $30.35 annually in auto insurance payments. A DUI — considered among the most serious driving violations — can raise your insurance rates in Pennsylvania by an average of $1,082.23.
|Violation||Average Yearly Rate|
|DUI or DWI||$2,514.81|
|At-Fault Accident (<$1,000)||$1,462.94|
|At-Fault Accident ($1,000-$2,000)||$1,498.13|
|At-Fault Accident (>$2,000)||$2,157.13|
|Speeding (21-25 MPH > limit)||$1,600.27|
|Speeding (16-20 MPH > limit)||$1,600.27|
If you're saddled with high car insurance costs, it's worth insurance shopping to find affordable coverage that covers your vehicle appropriately.
The amount you pay monthly for auto insurance is dependent on the tier of coverage you purchase. A liability-only policy usually is less expensive, while low-deductible comprehensive coverage costs more. In Pennsylvania, the cost gap between liability-only coverage and full coverage with a $500 deductible is $778.
|Coverage Level||Average Annual Rate|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$692|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,291|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,453|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$609|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,210|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,372|
|State Minimum — Liability Only||$500|
|State Minimum — $1,000 Comprehensive/Collision||$1,111|
|State Minimum — $500 Comprehensive/Collision||$1,278|
If your policy is more costly than the state average, it's worth policy shopping to find affordable insurance coverage that meets state regulations.