Auto insurance in Pennsylvania averages $1,476/year per year, but rates vary widely by city and driving record. Compare free quotes from top insurers serving Philadelphia, Pittsburgh, Allentown and all of Pennsylvania β no personal info required to browse.
| Insurer | Avg. Annual Rate | Best For | AM Best Rating | Available in PA |
|---|---|---|---|---|
| π GEICO Lowest Rates | ~$1,200/yr | Budget drivers | A++ | β Yes |
| State Farm | ~$1,480/yr | Good drivers | A++ | β Yes |
| β Progressive High-Risk Drivers | ~$1,610/yr | SR-22 / DUI | A+ | β Yes |
| Allstate | ~$1,900/yr | Full coverage | A+ | β Yes |
| USAA | ~$1,100/yr | Military families | A++ | β Yes |
| Travelers | ~$1,350/yr | Multi-policy | A++ | β Yes |
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Pennsylvania requires minimum liability of 15/30/5 plus $5,000 in medical benefits, regulated by the Pennsylvania Insurance Department. The state runs a choice no-fault model under Act 68, letting every driver pick between full tort and limited tort at each renewal. Full tort preserves the full right to sue for pain and suffering, while limited tort trims roughly 15% off premiums in exchange for waiving most of those claims. A DUI conviction requires an SR-22 filing for three years before the driver can return to a standard policy.
Rate drivers in Pennsylvania are heavily tied to geography and credit. Philadelphia routinely posts the state's highest premiums due to accident frequency, vehicle theft, and repair costs, with Allegheny County and Pittsburgh close behind. Rural Pennsylvania, by contrast, sits well below the national average. Credit-based insurance scoring is permitted, so a strong credit profile translates directly into lower quotes. Winter weather claims, deer strikes in rural counties, and commuting distance further shape premiums, and bundling with homeowners coverage is one of the most consistent discounts available.
The average cost of auto insurance in Pennsylvania is $1,476/year. Rates vary based on your city, driving record, vehicle, and coverage level. Urban areas like Philadelphia tend to have higher rates.
Pennsylvania requires 15/30/5 minimum liability plus $5,000 in medical benefits, regulated by the Pennsylvania Insurance Department. Under Act 68, drivers choose between full tort and limited tort; limited tort lowers premiums by roughly 15% but waives most rights to sue for pain and suffering. A DUI conviction triggers a three-year SR-22 filing, and credit-based insurance scoring is permitted.
In Pennsylvania, you can lower your auto insurance rate by bundling with home insurance (saves 10 to 25%), maintaining a clean driving record, raising your deductible, and comparing quotes from multiple insurers annually.
Pennsylvania operates a choice no-fault system. Drivers pick between full tort, which preserves the right to sue for pain and suffering, and limited tort, which lowers premiums but restricts most pain-and-suffering suits. Medical benefits of at least $5,000 are required regardless of tort choice.
Pennsylvania's minimum auto liability coverage is 15/30/5 plus $5,000 in medical benefits. Act 68 guarantees the tort choice between full and limited tort, with limited tort saving about 15% on premium in exchange for waiving most pain-and-suffering claims. Credit-based scoring is allowed, and Philadelphia ZIP codes typically post the state's highest premiums due to urban accident frequency and theft.