Average Car Insurance Cost in Pennsylvania
Numbers refreshed
Pennsylvania NAIC averages, broken out by coverage, along with the national rank.
- $1,396.yearly average for full coverage.
- Minimum liability limits: 15/30/5.
- 27th of 51.the most expensive state (1st = highest).
Pennsylvania average cost by coverage
In Pennsylvania, full coverage averages $1,396 a year. This amount is 13% below the yearly US average of $1,613.
In 2023, average spending per insured car was $1,154; in 2024, it reached $1,267, an increase of 9.8%.
| Coverage in Pennsylvania | Per year | Per month |
|---|---|---|
| Liability | $617 | $51 |
| Collision | $494 | $41 |
| Comprehensive | $285 | $24 |
| Full coverage (all three) | $1,396 | $116 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Pennsylvania compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| New Mexico | 24th | $1,422 | $118 |
| Utah | 25th | $1,403 | $117 |
| Alaska | 26th | $1,399 | $117 |
| Pennsylvania | 27th | $1,396 | $116 |
| Alabama | 28th | $1,388 | $116 |
| Illinois | 29th | $1,383 | $115 |
| Oregon | 30th | $1,375 | $115 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number for you
Averages blend all ages and driving records together. The Pennsylvania calculator adjusts for your age and record.
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