What is the Average Cost of Car Insurance in Pennsylvania?

The Zebra
Feb. 7, 2019

Car insurance is moderately expensive in Pennsylvania. The typical auto insurance rate in Pennsylvania is $1,433 per year — just 0.4% more than the national average.

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.


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Average Pennsylvania car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Car Insurance Expenditure in Pennsylvania by Age

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.


PENNSYLVANIA AUTO INSURANCE PRICES BY AGE BRACKET
AgeAverage Annual Premium
16$4,768.92
17$4,315.92
18$3,807.71
19$3,115.46
20s$1,798.79
30s$1,385.75
40s$1,326.88
50s$1,215.77
60s$1,248.60
70s$1,475.07

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.




Average Auto Insurance Costs in Pennsylvania by Gender

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.


PENNSYLVANIA CAR INSURANCE RATES FOR MEN VS. WOMEN
GenderAverage Yearly Rate
Male$1,399.06
Female$1,412.68

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.




Mean Auto Insurance Rates in Pennsylvania by Marital Status

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.


PENNSYLVANIA CAR INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,399.06
Married$1,346.89
Divorced$1,403.38
Widowed$1,372.82

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!


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Average Auto Insurance Costs in Pennsylvania by Credit Score

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:


PENNSYLVANIA AUTO INSURANCE RATES BY CREDIT
Credit LevelAverage Annual Rate
Very Poor (300-579)$2,596.44
Fair (580-669)$2,171.04
Good (670-739)$1,799.66
Very Good (740-799)$1,477.11
Exceptional (800-850)$1,217.37

Getting affordable car insurance if you're saddled with a poor credit score is sometimes difficult. But we're here to help. Read our guide to finding auto insurance with poor credit and start saving!




Median Car Insurance Costs for High-Risk Drivers in Pennsylvania

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.


PENNSYLVANIA AUTO INSURANCE RATES AFTER VIOLATIONS
AgeAverage Yearly Rate
DUI or DWI$2,514.81
Reckless Driving$2,014.54
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
Open Container$1,846.59
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.




Average Car Insurance Costs by Coverage in Pennsylvania

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.


PENNSYLVANIA AUTO INSURANCE RATES BY COVERAGE
Coverage LevelAverage 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.