Cheap Car Insurance in Pennsylvania
Pennsylvania drivers pay an average of $1,675/year for auto insurance — $114 below the national average. Compare quotes and save.
How Pennsylvania stacks up
At $1,675 per year for full coverage, Pennsylvania drivers pay 6% less than the national average of $1,789. Choice no-fault state. Picking full tort vs. limited tort directly affects your premium.
Premiums vary widely within Pennsylvania based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.
Required minimum coverage in Pennsylvania
Bodily injury liability
15/30 (in $thousands)
Property damage liability
$5,000
No-fault / PIP required
Yes
Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.
5 ways to lower your Pennsylvania car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10–25% discount).
- Ask about telematics / usage-based discounts (10–30% if you drive carefully).
- Choice no-fault state. Picking full tort vs. limited tort directly affects your premium.
Pennsylvania insurance FAQ
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