Car Insurance in Pennsylvania

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Looking for cheap car insurance in Pennsylvania?

Home to sprawling historical urban centers and idyllic rural roadways alike, Pennsylvania drivers have a lot of reasons to hit the open road. The Keystone state is one of 12 no-fault insurance states in the country—and you could end up paying more for your car insurance as a result.
But your location is just one of many factors that insurers look at when determining your premium. So whether you’re in Philadelphia, Reading, or Norristown, comparing rates between providers can help you find the best deal.
With Jerry, you just have to answer a few simple questions and you’ll get quotes from more than 50 providers in a minute or less. Forget about filling out endless online forms, dealing with pesky sales agents, and making sure your coverage doesn’t lapse—Jerry takes care of the switchover details so you don’t have to.
Think it all sounds too good to be true? Check out these quotes from real Jerry customers in Pennsylvania:
Quote DateCarCityNameAgeCarrier
Before Jerry
After Jerry
April 28, 2022Nissan Rogue Select SPhiladelphiaFannie P.25Safeco$240/mo.$106/mo.
May 3, 2022Buick Lucerne CXWhitehallBrent B.22Dairyland$181/mo.$107/mo.
April 29, 2022Kia Optima EXMckeesportEddie S.40State Auto$166/mo.$110/mo.
May 3, 2022Chevrolet Silverado K1500 LTZDrexel-HillSam C.67Safeco$142/mo.$111/mo.
May 17, 2022Ford Explorer XLTPhiladelphiaAnthony S.33Progressive$220/mo.$117/mo.
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How much does car insurance cost in Pennsylvania?

The average cost of basic liability car insurance in Pennsylvania is $1,857 per year. Opting for full-coverage car insurance in Pennsylvania will leave you with an average cost of $2,038 per year.

How does the annual cost in Pennsylvania compare to the rest of the country?

In comparison, the national average is $1,626 per year to buy basic liability car insurance and $2,298 per year to buy full-coverage car insurance.
Why is car insurance expensive in Pennsylvania? A few key things are responsible:
  • No-fault state with fairly high minimum insurance requirements
  • High population density with an average of 284 people per square mile
  • Inclement weather that can cause a rise in claims, especially in the winter
Here’s how the insurance savings with Jerry in Pennsylvania compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
PA$2,476$1,629$2,328$1,297$2,487$1,747
National Average$2,436$1,660$2,296$1,376$2,654$1,962
PANational Average
All Coverage Before Jerry
$2,476$2,436
All Coverage After Jerry
$1,629$1,660
Minimum Coverage Before Jerry
$2,328$2,296
Minimum Coverage After Jerry
$1,297$1,376
Full Coverage Before Jerry
$2,487$2,654
Full Coverage After Jerry
$1,747$1,962
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Top auto insurance providers in Pennsylvania

Drivers in Pennsylvania have plenty of insurance companies to choose from. Both regional companies and big industry players like State Farm and AAA are available.
Selecting an insurer can feel like a tough task sometimes. Each insurance company has a unique formula for setting premiums—which means that getting quotes from multiple insurers will leave you with lots of different rates for the same coverage.
Almost all insurers consider factors like your age, driving record, location, and the car you drive. If you drive an Infiniti Q50, for example, your full-coverage insurance rates will be higher than if you needed to insure a Mazda 6 because more expensive cars cost more to insure.
Jerry customers have found some great deals with popular insurers in Pennsylvania. Take a look:
Insurance Company
Average Cost
Annual Savings with Jerry
Kemper$2,843$1,269Compare Prices
National General$2,892$1,058Compare Prices
Dairyland$2,848$1,047Compare Prices
Clearcover$2,857$1,009Compare Prices
Allstate$2,978$886Compare Prices
Safeco$2,759$855Compare Prices
Nationwide$2,395$800Compare Prices
State Auto$2,462$701Compare Prices
Travelers$2,372$638Compare Prices
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What car insurance do you need in Pennsylvania?

All but two states have insurance minimums that you must meet before you can legally drive. In Pennsylvania, you need at least the following:
CoverageAmountDescription
Bodily injury liability$15,000 per person / $30,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$5,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Personal injury protection$5,000 per personCovers medical expenses, lost wages, and rehabilitation costs after an accident
Driving without the mandatory minimum insurance is illegal and doing so could result in serious repercussions:
  • Fines of at least $300
  • Suspension of license and vehicle registration for 3 months
  • Reinstatement fees for your license and registration
  • Financial liability in the event of an accident
Minimum insurance is a must-have—but it’s not the be all, end all. It won’t protect you and your vehicle if you get into an accident, so it’s best to purchase as much insurance as you can afford.
Here are some coverage options to consider:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Uninsured motorist coverageReimburses you for your expenses from an accident caused by an uninsured driver
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
Once you’re ready to buy a policy (or just find a better rate!), Jerry can help.
Jerry is an insurance comparison shopping app and licensed broker that helps you find great deals on the coverage you need. With quotes from top names like State Farm and Safeco and start-to-finish handling of everything you need to make the switch, Jerry makes saving money on your car insurance effortless.
Now that you know what type of insurance you need, let’s break down what impacts the cost.

How is your cost of car insurance determined in Pennsylvania?

A number of different factors go into your insurance rate, but the most common ones are your age, driving record, location, and vehicle type.

Cost to insure your car in Pennsylvania by age

Experience is a fairly significant factor in insurance rates—and young drivers have less of it. The inexperience is, unfortunately, compounded by the fact that young drivers are statistically more likely to engage in risky behavior behind the wheel and tend to be involved in more accidents.
This added risk is why insurers charge higher premiums to drivers under the age of 25.
What young drivers in Pennsylvania need to know
  • Pennsylvania’s graduated licensing program comprises three stages that help young drivers develop skill, experience, and decision-making abilities
  • Completing an approved defensive driving course can help young drivers secure lower rates
  • Maintaining a good average can qualify student drivers for a good student discount
While young drivers won’t be privy to the same rates that more experienced drivers enjoy, shopping around and maintaining a clean driving record can help secure lower premiums.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,677$980
21-24$2,692$982
25-34$2,475$936
35-44$2,373$896
45-54$2,301$869
55-64$2,145$809
65+$2,146$830
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Cost to insure your car in Pennsylvania with a poor driving record

When insurers want to know about your risk level on the road, they look at your driving record. A spotty record with accidents, speeding tickets, and serious offenses like DUIs will have you labeled high risk and increase your Pennsylvania car insurance rates.
Pennsylvania’s Department of Transportation (DOT) uses the driving record point system, and they’re pretty strict about it. Drivers who receive six points or more are at risk of license suspension—and it would only take a couple of moving offenses to get there.
So, can you save money on car insurance if you have driving violations? It’s possible. The best way to find savings is by comparison shopping with Jerry.
Here’s just a sample of the savings that Jerry customers with poor driving records have found:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,744$904
Suspension$3,191$1,237
Leaving scene of an Accident/Hit and Run$3,205$1,170
Speeding over 15$3,011$1,108
DUI$3,183$1,105
Speeding under 15$3,027$1,058
Driving on Sus. License$2,853$974
Failure to Obey Traffic Sign$2,871$969
Careless Driving$2,922$968
Seat Belt$2,933$924
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Cost to insure your car in Pennsylvania based on where you live

Almost 13 million people reside in Pennsylvania, the ninth most densely populated state with about 284 people per square mile. It’s home to some pretty major urban centers, including Philadelphia and Pittsburgh.
The state also experiences some severe weather that results in insurance claims, such as winter storms and rainstorms that cause flooding.
Where you live in the state matters to insurance companies since it speaks to your likelihood of submitting a claim. Drivers in cities typically pay more than those in rural areas because urban centers have higher rates of accidents, thefts, and claims.
These are the top 10 cheapest cities for car insurance in Pennsylvania:
City
Average Cost
Annual Savings with Jerry
Allentown$2,508$966
Erie$2,348$922
Freeland$2,070$611
Harrisburg$2,525$1,018
Lancaster$2,338$948
Philadelphia$2,803$977
Pittsburgh$2,386$896
Reading$2,531$982
Stroudsburg$2,630$1,010
York$2,529$987

Cost to insure your car in Pennsylvania based on the type of car you drive

The type of car you drive can also affect your premium. Generally speaking, relatively inexpensive cars have lower insurance premiums because they cost less to repair or replace if you’re in an accident.
So if you drive a fairly standard vehicle such as a Chevrolet Aveo or Dodge Ram 1500, you’ll probably find reasonable rates for your insurance coverage.
On the other hand, if you’re looking to insure something like a Jaguar F-Type or Hummer H3 Luxury, be prepared for high rates since these types of vehicles have high MSRPs.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Kia Optima LX$2,480$1,604
Ford Fusion SE$2,465$1,543
Nissan Altima 2.5$2,509$1,466
Honda Civic LX$2,276$1,390
Jeep Grand Cherokee Laredo$1,956$1,188

How to save money on car insurance in Pennsylvania

Whether you live in Philly or a rural area like Farmington, it’s always nice to find savings on your insurance premium. Here are some simple things you can do to bring your rates down.

Shop around for quotes

The best way to find savings is to comparison shop. And while that used to involve calling around, completing long forms, and being chased by pushy salespeople, that’s not the case anymore.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Once you sign up and answer a few questions, Jerry compares rates from 50+ insurers and takes care of everything you need to switch to your preferred policy.
The average Jerry customer saves $879 per year on car insurance!

Look for discounts

Almost all insurance companies offer discounts to help you reduce your premiums. Here are some of the most popular ones for drivers in Pennsylvania:
Discount typeWho is eligible?
Bundling discountsIf you’re not driving much, many insurers will give you a break on your insurance rates. Different providers define ‘low mileage’ differently, though it’s typically between 7,500 and 12,000 miles per year.
Low-mileage discountsA defensive driving course can help reduce your premium by 10–15%. They teach drivers how to better assess road, traffic, and weather conditions to avoid accidents..
Green discountsStatistics show that people who buy hybrid and electric cars tend to be responsible with them and have fewer accidents. Some insurance companies offer discounts for people who drive these cars.
Annual payment discountsMany insurers offer discounts to customers who pay their annual premium in full, rather than dividing payments out across the year.
Safe driving discountsIf you have a clean driving record and no claims, you may be eligible for a safe driving discount that can reduce your premium by up to 30%.

Increase your deductible

You can certainly bring your insurance premium down by increasing your deductible—but it’s not always the right move.
You should only considering doing this if you can afford to pay the deductible in full each time you have to make a claim. Otherwise, you could find yourself in a tough financial situation in the event of an accident.

Registering your car in Pennsylvania

To register a car in Pennsylvania, bring the following to the DMV:
  • Valid driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
  • Emissions testing certificate, if applicable
  • Safety inspection certificate, if applicable
In Pennsylvania, you must renew your vehicle registration annually. You can do it online, by mail, or in person at your local DMV office.

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