Full Coverage Car Insurance in Pennsylvania
Numbers refreshed
Using the Pennsylvania averages, this price covers liability, collision and protection for non-crash damage.
- $116.the average monthly cost of full coverage.
- 15/30/5.the minimum liability limits.
- 27th of 51.the most expensive state (1st = highest).
How much full coverage costs in Pennsylvania
Full coverage is liability plus collision and cover for non-crash damage. The $617 liability average in Pennsylvania goes up by $779 a year when those two parts are added.
| 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).
Where full coverage stops being worth the cost
If you still owe money on the car, lenders and lease companies require full coverage.
After the car is paid off, weigh its value against the $779 a year that extra cover costs. Should a bad year of premiums cover most of the car's price, liability only is normally the smarter buy.
Full coverage for each car in Pennsylvania
These estimates come from IIHS-HLDI loss results and assume an adult with a clean record. Of the 40 models we price, these are the cheapest and the most expensive:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $904 | $75 |
| Honda Pilot | $906 | $75 |
| Subaru Outback | $970 | $81 |
| Toyota RAV4 | $1,045 | $87 |
| Mercedes-Benz C-Class | $1,924 | $160 |
| Chevrolet Camaro | $2,248 | $187 |
| Dodge Charger | $2,468 | $206 |
| Dodge Challenger | $2,612 | $218 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Learn more about car insurance in Pennsylvania
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