Are Auto Insurance Prices Going Up in Pennsylvania?

The Zebra
May 31, 2019

As many drivers can attest, auto insurance rates commonly increase each year. But auto insurance pricing is complex: the reasons for rate hikes or price breaks are myriad, and vary based on the driver's location.

One of the primary rating factors insurance companies use to set rates is location. The state, city, and ZIP code in which a vehicle is parked and operated factor into auto insurance prices, which comes down state regulations and the differing levels of risk associated with insuring cars in various areas of the country.

Because auto insurance pricing depends on a number of factors, yearly price trends vary by state. Car insurance rates could be on their way up year-over-year in one state but dropping for drivers a single state over.

See below trending auto insurance prices in Pennsylvania. If your policy isn't following your state's trend, consider shopping for a cheaper insurance option.


Auto insurance price trends in Pennsylvania


Average annual auto insurance premiums in Pennsylvania went down by $2 from 2017 to 2018. A typical Pennsylvania driver now pays an average premium of $1,390 per year.

The recent trend in Pennsylvania leans toward more expensive auto insurance. From 2015 to 2018, rates increased by an average of $295 per year. Meanwhile, insurance prices across the nation have gone up recently, climbing from $1,280 in 2015 to $1,470 in 2018.


PENNSYLVANIA AUTO INSURANCE TRENDS
YearAvg. Annual Premium — PennsylvaniaYearly Change — PennsylvaniaAvg. Annual Premium — USAYearly Change — USA
2018$1,390-$2$1,470$32
2017$1,392$209$1,437$69
2016$1,183$88$1,368$88
2015$1,095$34$1,280$51
2014$1,061$47$1,229$34
2013$1,014-$208$1,195-$80
2012$1,222$200$1,276$82

If your rate trends vary from those above, consider shopping around to find a better deal. The Zebra's car insurance comparison tool allows you to get auto insurance rates based on your specific profile — enter your ZIP below to get started.


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How are auto insurance rates changing in the biggest Pennsylvania cities?


Car insurance policies are priced at a granular geographic level with a variety of location-specific variables impacting how much you pay. That means drivers could see major differences in their insurance rates, based solely on their ZIP code or city. As an example, drivers in Pittsburgh faced a bigger year-over-year rate increase (5.9%) than their intrastate neighbors in Scranton (5.6%) between 2018 and 2017.

See below annual rates of change in major Pennsylvania cities. If your city is expensive — and moving isn't on the table — you can always shop around for a more affordable rate.


CityAvg. Rate Increase — 2018 vs. 2017
Pittsburgh5.9%
Scranton5.6%
Allentown5.6%
Erie5.5%
Philadelphia5.0%

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