How Much Is Car Insurance In Pennsylvania?

Car insurance in Pennsylvania is fairly priced. The average cost for full-coverage car insurance is $1,433 per year, which is lower than the national average of $2,388. On the other hand, the cost for minimum coverage is $537 per year, which is also less than the national average of $664.

In this article, we’ll explore the different types of car insurance coverage available in Pennsylvania, along with the costs and important factors that affect what you’ll pay. With over 12 years of experience as a licensed insurance agent, I’m here to help you make an informed choice.

Other important factors include a driver’s marital status, driving record, credit score, gender, and age. For instance, married drivers typically pay lower premiums compared to single drivers, while those with a history of accidents or violations are considered higher risk and often face higher rates.

Younger drivers, especially males, may also see higher premiums due to their inexperience and higher accident rates. Additionally, drivers with good credit tend to get lower rates, as insurers view them as less risky.

However, car insurance rates in Pennsylvania have been increasing over the past year, placing the state seventh on the list of states with the fastest rising premiums.

Cost Of Car Insurance In Pennsylvania By Age

Age plays an important role in determining car insurance rates. In many states, including Pennsylvania, insurers consider a driver’s age when setting premiums. Young drivers under 20 usually pay the highest rates because they lack experience behind the wheel.

According to the National Safety Council, although only 3.6% of all licensed drivers are between 16 and 19 years old, they are involved in 9.3% of all crashes and 6.3% of all fatal crashes. As drivers get older and gain more experience, typically in their thirties and forties, their premiums generally decrease. This is because they are viewed as more responsible and less likely to file claims.

However, when drivers reach their late fifties or sixties, insurance rates may start to rise again. This is mainly due to age-related health issues and slower reaction times, which can increase the likelihood of accidents.

Below is a table showing the average car insurance costs by age:

Average Pennsylvania Auto Insurance Rates By Insurance Company

Car insurance premiums can differ greatly from one insurance company to another, even within the same state. In Pennsylvania, each insurer uses its own set of criteria to calculate rates, which means two drivers with similar profiles may pay very different premiums depending on the company they choose. Factors like customer service, discounts, and coverage options can also influence the overall cost.

For example, some of the most well-known providers in Pennsylvania include State Farm, Geico, and Allstate. State Farm often offers competitive rates for drivers with good credit and clean driving records, while Geico is known for providing affordable options to younger drivers or those who bundle policies. Allstate, on the other hand, might offer higher rates but provides a range of discounts and additional coverage options.

It’s essential to shop around and compare quotes from different insurers to find the best deal that suits your needs and budget.

Here is a table displaying average auto insurance rates by six national carriers in Pennsylvania:

Average Pennsylvania Car Insurance Premiums By Credit Score

In Pennsylvania, auto insurance companies can use your credit score to determine your initial rate and when your policy is up for renewal. However, state law prevents them from using your credit score to raise your premiums at renewal. Instead, your insurer can only use your credit score to reduce your rates.

Drivers with good credit are considered lower risk, so they often receive lower premiums. On the other hand, drivers with poor credit are seen as higher risk, which results in higher premiums.

Below is a table showing the average car insurance premiums based on different credit score categories in Pennsylvania.

Average Car Insurance Costs In Pennsylvania By Gender

While men are generally involved in more car accidents than women, Pennsylvania is one of the few states that bans insurance companies from using gender as a factor when determining premiums.

Below is a table showing the average car insurance costs by gender in Pennsylvania:

Cost Of Pennsylvania Car Insurance By Driver Record

One of the most effective ways to keep your car insurance premium low is by maintaining a clean driving record. If you have tickets, DUI convictions, or at-fault accidents, you may be classified as a high-risk driver, which can cause your premiums to rise significantly. For example, a speeding ticket in Pennsylvania can lead to an average increase of 13%, while an at-fault accident can raise rates by an average of 41%.

Here is a table displaying average car insurance costs based on different driving records in Pennsylvania:

Average Pennsylvania Auto Insurance Costs By Marital Status

In Pennsylvania, car insurance rates can vary significantly based on marital status. On average, single drivers pay 20% more for full coverage and 26% more for liability-only coverage compared to married drivers.

However, it’s important to remember that being married doesn’t automatically guarantee a lower rate. Insurance companies take several factors into account when setting premiums, including your driving history, age, and the type of car you drive.

Here is a table displaying average car insurance costs by marital status in Pennsylvania:

Cost Of Car Insurance In Pennsylvania By Coverage Type

The price of car insurance in Pennsylvania depends on the level of coverage you choose. On average, minimum coverage costs about $38 per month, while full coverage with a $1,000 deductible averages around $112 per month. Although full coverage is more expensive, it is usually recommended because it provides more complete protection.

Here is a table displaying average car insurance costs by coverage type in Pennsylvania:

Average Pennsylvania Car Insurance Rates By City

As in other states, car insurance rates in Pennsylvania can differ based on your location. Insurers take into account factors like population density, local living and medical costs, rates of theft and vandalism, and the frequency and severity of car accidents in your area when determining policy rates.

In the following table, we explore the average car insurance costs in eight different Pennsylvania cities to illustrate these differences.

Average Pennsylvania Car Insurance Rates By ZIP Code

Looking at average car insurance rates by zip code in Pennsylvania provides a clearer picture of how premiums can change even within the same city. Factors like neighborhood safety, traffic patterns, and local claims history can all affect the pricing.

Understanding the variation in car insurance costs by ZIP code helps drivers make more informed decisions about their insurance options. By comparing rates across different zip codes, you can better assess how location impacts your premiums and potentially save on coverage.

The following table provides a look at average car insurance rates across different zip codes in Pennsylvania, highlighting the differences based on location.

By considering these tips, you can lower your car insurance costs while still maintaining adequate coverage.

Pennsylvania Car Insurance Prices Compared To Other U.S. States

Understanding how Pennsylvania car insurance prices compare to other U.S. states is important for several reasons. First, it helps residents assess whether they are paying fair rates based on the average costs in other regions. Car insurance premiums can vary greatly depending on state-specific factors like traffic density, accident rates, weather conditions, and state laws.

By knowing how Pennsylvania’s rates stack up, drivers can better understand whether they are overpaying for coverage or if their rates are competitive. For instance, if Pennsylvania’s premiums are higher than the national average, drivers may want to explore ways to lower their costs, such as comparing quotes or adjusting coverage.

In the following table, we provide you with a comprehensive comparison of average car insurance rates across all U.S. states, providing a clearer picture of how Pennsylvania fares on the national stage.