Pennsylvania Car Insurance Calculator
Calculate your auto insurance cost in Pennsylvania. Compare with state averages and find savings.
$1,567
Avg Annual Premium
15/30/5
Min Liability
Monthly Avg
$131
Full Coverage
$2,045
Min Coverage
$534
Uninsured Rate
7.6%
Pennsylvania Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$15,000
Bodily Injury (per accident)$30,000
Property Damage$5,000
Additional Requirements
PIP RequiredYes ($5,000 min)
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Pennsylvania
Choice no-faultUrban areasWinter weather
Major Metro Areas in Pennsylvania
PhiladelphiaPittsburghAllentownReadingErie
FAQ
Pennsylvania Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Pennsylvania
The average annual car insurance premium in Pennsylvania is $1,567, or about $131 per month. Full coverage averages $2,045 annually, while minimum coverage averages $534. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Pennsylvania requires minimum liability coverage of 15/30/5 ($15,000/$30,000 for bodily injury and $5,000 for property damage). Pennsylvania also requires Personal Injury Protection (PIP) with a minimum of $5,000.
Key factors affecting Pennsylvania car insurance rates include: Choice no-fault, Urban areas, Winter weather. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 7.6% of drivers in Pennsylvania are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Pennsylvania car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Pennsylvania include: State Farm, GEICO, Progressive, Erie Insurance, Allstate. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
PA Insurance Costs
Average premiums in Pennsylvania:
- Annual Average$1,567
- Monthly Average$131
- Full Coverage$2,045
- Minimum Coverage$534
PA Requirements
Minimum coverage required:
- Liability15/30/5
- PIP RequiredYes
- UM RequiredNo
- Uninsured Rate7.6%
Top PA Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Erie Insurance
- •Allstate