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Comparing auto insurance in Pennsylvania and California
If you're in the process of relocating from Pennsylvania to California, chances are you're focused on the big-picture concerns and major expenses: contracting a dependable moving company, finding an abode in your new state, and arranging your interstate move.
With all these moving parts, it can be easy to forget the details. Auto insurance coverage is among the many details, but it's crucial. To stay on the right side of the law, you’ll need to update your insurance policy — or purchase a new policy — when you move between states.
Read our guide to car insurance in Pennsylvania versus California and ensure your move is pain-free. We'll cover the following topics:
- Insurance cost comparison
- Rates by coverage level
- Cheap companies by state
- Rates by city
- Additional resources
Pennsylvania vs. California car insurance — average rates
Expect to pay more for auto coverage in your new home. The average annual auto insurance rate in California is $279 pricier than the cost in Pennsylvania. The exact cost will depend on your coverage level, driving and insurance history, and your auto insurance company.
CAR INSURANCE PREMIUMS IN PENNSYLVANIA AND CALIFORNIA
|State||Average Annual Rate|
Average car insurance prices by coverage level
The amount you pay for an auto policy depends on your vehicle, your personal driving profile, and what degree of protection you want your insurer to provide.
If you opt for your state’s minimum liability auto insurance coverage, you will carry bodily injury, medical payment, and property damage liability coverages, plus uninsured and underinsured motorist coverage and personal injury protection in some states.
AUTO INSURANCE RATES — BASIC LIABILITY COVERAGE IN PENNSYLVANIA vs. CALIFORNIA
Choosing full-coverage car insurance incurs additional costs, but you’ll get the peace of mind that comes with collision and comprehensive coverages, plus rental reimbursement and roadside assistance. The most notable benefit of full coverage auto insurance is that it insures your vehicle and you more comprehensively than does basic car insurance coverage. If you want to go the extra mile to protect your investment in your vehicle, full coverage could be the way to go.
AUTO INSURANCE RATES FOR FULL COVERAGE IN PENNSYLVANIA vs. CALIFORNIA
Cheap car insurance companies in Pennsylvania and California
A primary determinant of your auto insurance costs is the auto insurance company you choose. Auto insurance companies set premiums in a number of ways, resulting in major price variations. Location also matters: some regional underwriters only sell policies in a few states, while major insurers’ rates may vary by state.
When moving to a new state, it’s important to find the best cheap auto insurance company offering policies in your new location. Get your research started below by viewing the five most affordable car insurance companies in Pennsylvania and California.
AFFORDABLE CAR INSURANCE COMPANIES IN PENNSYLVANIA
|Car Insurance Company||Average Annual Rate|
AFFORDABLE CAR INSURANCE COMPANIES IN CALIFORNIA
|Car Insurance Company||Average Annual Rate|
Car insurance rates by city in Pennsylvania and California
Though car insurance is legislated at the state level, insurance companies price rates by ZIP code to adjust for unique factors like density and frequency of car crashes. The location to which you move will play a big part in deciding your auto insurance rates.
See below auto insurance rates in major cities in California and Pennsylvania.
CAR INSURANCE RATES BY CITY IN PENNSYLVANIA
|City||Average Annual Rate|
AUTO INSURANCE PREMIUMS BY CITY IN CALIFORNIA
|City||Average Annual Premium|
Seeking data on another city? View other California cities.
More resources: moving from Pennsylvania to California
When you move from Pennsylvania to California, you will face unfamiliar driving laws, different SR-22 or FR-44 requirements, and more. Make sure your interstate move goes smoothly with our collection of information on your new state:
- Car insurance laws in California
- California insurance FAQs
- Car insurance with a DUI, DWI, or SR-22 in California
- Illinois vs. Texas State Comparison
- Florida vs. North Carolina State Comparison
- Illinois vs. Florida State Comparison
- Texas vs. Oregon State Comparison
- New Jersey vs. Florida State Comparison
- California vs. Nevada State Comparison
- New York vs. New Jersey State Comparison
- Massachusetts vs. California State Comparison
- Florida vs. California State Comparison
- Virginia vs. Florida State Comparison
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.