Car Insurance in Pennsylvania
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The legal minimum, what drivers in Pennsylvania pay and who is cheapest.
- $116.the average monthly price for full coverage.
- 15/30/5.the minimum liability limits.
- 27th of 51.the most expensive state (1st = highest).
How much car insurance costs in Pennsylvania
With full coverage, the average cost for Pennsylvania drivers is $1,396 each year, or about $116 monthly. Policies with only the legal minimum have a yearly average of $617. This is 13% below the US yearly average of $1,613.
| 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's legal minimum
For Pennsylvania liability coverage, the required minimum is 15/30/5. Amounts are $15,000 per injured person, $30,000 per crash for all injured people and $5,000 for damage to property belonging to others.
Pennsylvania uses a no-fault insurance system. After a crash, your own policy covers your medical bills, whoever caused the crash.
Buying uninsured motorist cover isn't required. In most states, though, insurers must offer it.
How many drivers in Pennsylvania have no insurance
About 11% of Pennsylvania drivers had no car insurance in 2023, which is the 36th highest share among the 51. If one of those drivers hits you, uninsured motorist cover pays your bills.
More about car insurance in Pennsylvania
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