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Average cost of car insurance in Pennsylvania for 2025

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How much is car insurance in Pennsylvania?

When it comes to car insurance, Pennsylvania drivers pay around the national average, although costs differ slightly. Drivers with full coverage pay an average of $2,397 per year in Pennsylvania, while drivers with minimum coverage policies pay an average of $521 per year. Since car insurance is a highly personalized product, your exact premium will vary. To help you understand what factors influence your insurance premium, Bankrate’s insurance editorial team is here to answer your questions.

Key takeaways

  • Pennsylvania drivers pay a monthly average of $200 for full coverage and $43 for state-mandated minimum coverage insurance.
  • Pennsylvania does not allow insurance companies to use gender as an auto insurance rating factor.
  • Having a DUI on your driving record increases your Pennsylvania car insurance rates by an average of 103 percent more, compared to an average of 16 percent more for a speeding ticket.
  • Pennsylvania car insurance rates increase by an average of 95 percent more for drivers with poor credit, while those with excellent credit may pay around 19 percent less.

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Pennsylvania car insurance rates by city

In Pennsylvania, several factors, including population density, theft and vandalism and car accidents, as well as the cost of living, vehicle repairs and medical care to determine rates by ZIP code. Even though the average cost of car insurance in Pennsylvania is often close to the average national rates, the table below demonstrates how rates can vary.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average