What's the Average Cost of Car Insurance in Pennsylvania?

The Zebra
Oct. 12, 2018

Auto insurance is expensive in Pennsylvania. The average auto insurance price in Pennsylvania is $1,433 annually — more than the nationwide average by 0.4%.

Your auto insurance rates are affected by more than just geography. Auto insurance premiums incorporate myriad components, such as a motorist's age, gender, marital status, credit, and driving history.

We analyzed average Pennsylvania car insurance premiums by each of the main pricing components. Read on to see how much car insurance costs in your state — or enter your zip to receive unique rates from top car insurers.


Average Car Insurance Rates in Pennsylvania by Age

It’s a fact of life: as you grow older, your auto insurance premiums change. As a general rule, auto insurance is pricier for young drivers, as auto insurance companies see inexperienced motorists as less responsible.

In Pennsylvania, auto insurance costs $4,769 annually for a 16-year-old driver, versus $1,216 annually for a driver in their 50s.


PENNSYLVANIA CAR INSURANCE PRICES BY AGE
Age Average 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



Average Auto Insurance Prices in Pennsylvania by Gender

While gender doesn’t carry as sizable an impact on auto insurance premiums as state or age, it is incorporated as a rating factor. Men pay less than do women for auto insurance in Pennsylvania, but the difference is only $13.62 per year.

PENNSYLVANIA CAR INSURANCE PREMIUMS BY GENDER
Gender Average Annual Cost
Male $1,399.06
Female $1,412.68



Mean Car Insurance Premiums in Pennsylvania by Marital Status

One pro of nuptials — in addition to the wedding gifts — is the price cut you often get on insurance. In the state of Pennsylvania, married drivers save $52 per year on auto insurance. This is a smaller discount than the US mean of $76.


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



Average Car Insurance Rates in Pennsylvania by Credit Score

Auto insurance underwriters use credit history as a way of determining how responsible a customer will be. Data show drivers with superior credit scores are more reliable car insurance clients: they're less likely to file claims that cost auto insurance companies money.

In Pennsylvania, a driver who carries excellent credit can save $1,379.07 per year on car insurance, versus a driver with a poor credit score. Learn more about how credit history can impact car insurance prices:


PENNSYLVANIA CAR INSURANCE COSTS BY CREDIT QUALITY
Credit Quality Average Yearly Premium
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



Median Auto Insurance Costs for Bad Drivers in Pennsylvania

If you've been found at fault in an accident or found guilty of a driving offense, your insurance rates are bound to rise. The more offenses you accumulate, the pricier your auto insurance gets.

In Pennsylvania, your first minor at-fault crash leads to an additional $30.35 annually in auto insurance premiums. A DUI — thought of as one of the most severe driving offenses — can raise your yearly insurance rates in Pennsylvania by an average of $1,082.23.


PENNSYLVANIA CAR INSURANCE COSTS WITH TICKETS
Age Average Yearly Rate
DUI/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 facing above-average auto insurance costs, it's worth weighing rates to get reasonably priced insurance coverage that fits your needs.


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