Car Insurance in Pennsylvania

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  • Here’s what Jerry customers are paying for car insurance in Pennsylvania.
  • How much does it car insurance cost in Pennsylvania?
  • How much does it car insurance cost in Pennsylvania?
  • How much does car insurance cost in your city?
  • How Much is Car Insurance in Pennsylvania?
  • Real Quotes for Jerry Customers in Pennsylvania
  • The Cheapest Car Insurance in Pennsylvania
  • Most Popular Insurance Companies in Pennsylvania
  • Cost to Insure Different Cars in Pennsylvania
  • Car Insurance Laws in Pennsylvania
  • What Car Insurance Is Required by Law in Pennsylvania?
  • Can You Drive a Car without Insurance in Pennsylvania?
  • What are the Minimum Car Insurance Requirements in Pennsylvania?
  • Car Registration Information in Pennsylvania

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annually Premium: $1,817.95
annually Premium For FullCoverage: $2,057.40
national Annually Premium For BasicCoverage: $1,691.02
national Annually Premium For FullCoverage: $2,448.31
annually Premium For 18: $2,261.84
annually Premium For 35: $1,686.14
difference Between 18And35: 34.14%

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Here’s what Jerry customers are paying for car insurance in Pennsylvania.

Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
July 20, 2021Audi A6 Premium PlusNorristown25
Plymouth Rock
Current$100$61
June 22, 2021Ford Fusion SEReading26
Dairyland
Basic$305$66
July 11, 2021Toyota Avalon XLErie21SafecoCustom$145$69
January 2, 2021Toyota Tacoma XtracabCochranville21
Metlife
Custom$120$75
July 20, 2021Subaru Legacy 2.5I LimitedConnellsville47
Bristol West
Custom$155$76

How much does it car insurance cost in Pennsylvania?

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$2,396$1,557$2,402$1,346$2,214$1,579
National Average$2,524$1,697$2,409$1,430$2,840$2,029

How much does it car insurance cost in Pennsylvania?

Insurance Company
Before Jerry
After Jerry
Kemper
$2,191$1,400
Nationwide$2,468$1,532
State Auto
$2,437$1,608
Dairyland
$3,289$1,669
Travelers$2,550$1,796
Safeco$2,926$1,880
National General
$3,338$1,927
Allstate$2,972$2,019

How much does car insurance cost in your city?

City
Before Jerry
After Jerry
Erie$2,537$1,722
Greensburg$1,366$1,198
Norristown$2,520$1,804
Philadelphia$3,612$2,422
Phoenixville$2,011$1,411
Pittsburgh$2,413$1,566
Reading$3,067$2,038
York$2,243$1,523

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Looking for car insurance in Pennsylvania? Here you’ll find all the information you need on driving a car in The Keystone State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Philadelphia or Pittsburgh, Allentown or Erie — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Pennsylvania car insurance.

How Much is Car Insurance in Pennsylvania?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Pennsylvania, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Pennsylvania pay ${averageAnnualPremium} each year for car insurance. This means drivers in Pennsylvania pay ${averageAnnualDiff} the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
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What’s Your Rate?

But how do you know what policy is right for you in Pennsylvania? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Pennsylvania, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry Customers in Pennsylvania

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
January 9, 2021
  • Kia Optima Lx
20 year old femaleProgressive$255.33$120.67Standard
December 11, 2020
  • Honda Accord Sport
25 year old maleCLEARCOVER$51.67$83.33Basic
November 25, 2020
  • Chevrolet Trax 1lt
52 year old femaleProgressive$52.17$35.83Preferred
February 7, 2021
  • Chevrolet Monte Carlo Ls
33 year old maleProgressive$66.17$18.83Preferred
February 7, 2021
  • Toyota Camry L
  • Kia Forte Ex
44 year old femalePlymouth Rock$71.83$176.17Basic

The Cheapest Car Insurance in Pennsylvania

Which companies offer cheap car insurance in Pennsylvania? Below, we’ve ranked Pennsylvania car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
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Cheapest Car Insurance in Pennsylvania for Basic Coverage

There’s all kinds of auto insurance you can get in Pennsylvania, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Pennsylvania. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Pennsylvania, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Pennsylvania

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$839
2Nationwide$894
3Safeco$920
4State Auto$925
5Progressive$942
6Bristol West$942
7Metlife$973

Real Jerry Quotes for Basic Coverage in Pennsylvania

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
November 26, 2020
  • Ford Explorer Eddie Bauer
  • Hyundai Santa Fe Se
40 year old malePlymouth Rock$96.83$189.81
November 21, 2020
  • Dodge Grand Caravan Gt
45 year old femaleCLEARCOVER$63$437
December 5, 2020
  • Dodge Caravan Se
  • Chevrolet Classic
  • Jeep Compass Limited
  • Ford Explorer Limited
28 year old malePlymouth Rock$101.33$148.67
December 2, 2020
  • Honda Civic Lx
26 year old femalePlymouth Rock$116$252
January 8, 2021
  • Jeep Patriot Latitude
67 year old maleProgressive$64.17$137.83

Average Cheapest Car Insurance for Standard Plans in Pennsylvania

Most drivers will want more than the basic minimum coverage that Pennsylvania requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Pennsylvania, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Pennsylvania

Filters
RankCompany nameAvg. Annual Premium
1Nationwide$1,184
2Progressive$1,360
3CLEARCOVER$1,460
4Kemper$1,495
5Safeco$1,503
6Metlife$1,520
7Travelers$1,528

Real Jerry Quotes for Standard Coverage in Pennsylvania

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
February 9, 2021
  • Kia Soul
48 year old malePlymouth Rock$128.83$154.17
February 18, 2021
  • Mazda Tribute Lx
  • Chevrolet Aveo Base
55 year old femaleCLEARCOVER$114.50$85.50
February 8, 2021
  • Kia Sportage Ex
34 year old femaleNationwide$52.45$25.55
January 22, 2021
  • Kia Rio Lx
29 year old femaleNationwide$74.50$65.51
February 17, 2021
  • Honda Civic Lx
29 year old maleProgressive$85$35

Cheapest Car Insurance in Pennsylvania for Preferred Coverage

Preferred coverage protects Pennsylvania drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Pennsylvania, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Pennsylvania

Filters
RankCompany nameAvg. Annual Premium
1Nationwide$1,441
2CLEARCOVER$1,548
3Progressive$1,550
4Safeco$1,637
5State Auto$1,644
6Kemper$1,672
7Metlife$1,711

Real Jerry Quotes for Preferred Coverage in Pennsylvania

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
January 3, 2021
  • Subaru Legacy Premium
  • Honda Cr-v Exl
  • Chrysler Pacifica Touring L
25 year old maleProgressive$207.67$137.33
November 17, 2020
  • Nissan Altima 2.5
24 year old maleProgressive$98$52
January 5, 2021
  • Toyota Camry L
39 year old maleNationwide$101.18$95.82
December 7, 2020
  • Nissan Pathfinder S
44 year old femaleMetlife$71.23$53.78
December 28, 2020
  • Gmc Terrain Slt
  • Toyota Rav4 Xle
70 year old maleProgressive$198.50$24.15
Insurance companyAverage annual premium in Pennsylvania
ClearCover$1,365.57
Progressive$1,935.12
Bristol West$2,061.47
Plymouth Rock$1,804.44
Dairyland$1,532.37
Nationwide$2,067.60
Safeco$2,351.41
Infinity$1,612.75
National General$2,238.69
State Auto$2,747.40

Cost to Insure Different Cars in Pennsylvania

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Pennsylvania drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Pennsylvania. And you can use our table of real quotes from Jerry customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
January 5, 2021
  • Toyota Corolla Base
21 year old maleSafeco$64.43$105.57Standard
November 18, 2020
  • Nissan Altima 2.5
38 year old femaleProgressive$230.83$49.17Preferred
February 19, 2021
  • Hyundai Tucson Limited
38 year old femaleProgressive$57.83$67.17Preferred
November 24, 2020
  • Toyota Camry Le
21 year old maleNationwide$99.37$170.63Preferred
February 17, 2021
  • Ford Mustang
35 year old maleProgressive$64.33$18.67Preferred
November 27, 2020
  • Ford Fusion Se
46 year old malePlymouth Rock$90.83$208.17Basic
December 17, 2020
  • Ford Five Hundred Limited
28 year old maleNationwide$72.23$16.77Preferred

Car Insurance Laws in Pennsylvania

Pennsylvania is the state where the Declaration of Independence was written, the U.S. constitution was signed, and the Gettysburg Address was delivered. So, it should come as no surprise that each year, millions of tourists join locals on the roadways, and that volume of traffic can have a direct effect on both the number of car accidents and the resulting increase in car insurance premiums.
The Keystone State has a set of laws that govern how much insurance drivers need to take out to legally drive. Here’s everything you might want to know about the minimum car insurance requirements in Pennsylvania.

What Car Insurance Is Required by Law in Pennsylvania?

To be able to register a motor vehicle to be driven in Pennsylvania, drivers are required to have three different types of automobile insurance active at all times: Medical Benefits coverage, also known as Personal Injury Protection (PIP), Bodily Injury Liability (BIL), and Property Damage Liability (PDL).
Since Pennsylvania is a “choice no-fault state,” or tort state, drivers have an option to choose either full or limited tort coverage. With tort coverage, or at-fault coverage, the driver who causes an accident is liable for all the costs resulting from the collision for all parties involved. Pennsylvania is unusual in that some PIP insurance is mandatory, so even if you’re at fault, your insurance will cover a certain amount of the medical expenses for your injuries. It can cover things like lost wages, transportation, medication, emergency services, and doctor’s visits.
BIL coverage is an important part of your auto insurance coverage in that it covers injuries for other drivers, passengers, and bystanders who might’ve been hurt in the accident, much like PIP coverage does for you.
PDL insurance is the portion that addresses damage to anything other than people. Property damage expenses can tally up quickly and PDL covers a broad range of them. Examples include other cars, buildings, hydrants, utilities, and private property like fences, up to the policy’s limitations.
Minimum coverage often falls short of covering all the expenses associated with property damage and injuries in a collision, however. In a tort state, other drivers and affected parties can opt to sue the at-fault driver in an attempt to recover costs beyond the policy’s scope. It’s a good idea for drivers to pursue uninsured motorist coverage, comprehensive coverage, and collision coverage in addition to higher limits than the minimums.

Can You Drive a Car without Insurance in Pennsylvania?

Should you choose to drive without insurance or proof of financial responsibility, the penalties are severe in Pennsylvania. A minimum $300 fine, a three-month registration suspension, and a three-month driver’s license suspension are assessed. You’ll need to pay a restoration fee to get your license and registration back.
If you’re caught driving without insurance in other parts of the country, an SR-22 certificate may be required when you drive to provide proof of financial responsibility, meaning you carry the minimum coverage. In Pennsylvania, an SR-22 is not required but there may be extra fees and an increased insurance premium if you’re convicted.

What are the Minimum Car Insurance Requirements in Pennsylvania?

The Commonwealth of Pennsylvania requires that all drivers with a state license maintain at least minimum amounts of liability insurance, like many other states do. Protection is afforded for the driver with the insurance requirements, as well as other motorists on the road, to cover any property damage or injuries that could occur in a car accident. To ensure you can drive in Pennsylvania legally, the state mandates that you have these minimum coverage amounts.
Minimum Insurance Requirements in Pennsylvania
  • Medical Benefits (Personal Injury Protection): $5,000
  • Bodily Injury Liability per person: $15,000
  • Bodily Injury Liability per accident: $30,000
  • Property Damage Liability per accident: $5,000

Car Registration Information in Pennsylvania

Not only are you required to carry certain amounts of auto insurance coverage on your vehicle in Pennsylvania, but you must also ensure your vehicle registration is active before you drive. New residents to the state must apply for Pennsylvania registration within 20 days of establishing residency.
Dealerships in Pennsylvania will submit your application for registration if you purchase a new vehicle. You’ll need to provide a copy of your current insurance identification card, too. For a used car or for new residents, you must bring the certificate of title with the vehicle identification number (VIN), your driver’s license, and your insurance card to the Department of Transportation (PennDOT). In either situation, you’ll pay your initial registration fee at the time of registration.
Registration renewals are a much simpler process. Registration stickers are no longer used in Pennsylvania, so online registration renewal is the easiest and fastest way to do it. It can be done at the state DMV website using your registration plate number, insurance information, your odometer reading, a credit card for payment, and a printer to print out a new registration card.
Other options include renewing at a PennDOT Online Messenger service or by mail. Passenger vehicle registration costs $38 per year, and Pennsylvania offers a two-year registration option for $76 if you prefer. Initial registration fees include a standard license plate charge.
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