How much is car insurance in Pennsylvania?
Car insurance in Pennsylvania cost an average of $1,273 a year for full coverage in 2023 (NAIC), sitting 12% below the $1,439 national average and coming to about $1,510 a year in Pennsylvania today (about $125 a month in August 2026 dollars). In Pennsylvania, the law asks for at least 15/30/5 liability, while Pennsylvania liability-only policies—the closest NAIC figure to minimum coverage—averaged $567 in 2023 (about $670 today).
Average car insurance cost in Pennsylvania: 12% below the US average
Typical Pennsylvania full-coverage price today
about $1,510 a year in Pennsylvania (about $125 a month)
Pennsylvania's 2023 NAIC full-coverage average ($1,273) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Pennsylvania rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Pennsylvania was the 25th most expensive of the 50 states and DC for full coverage ($1,273 vs $1,439 nationally), while ranking lower on liability alone (22nd lowest in the US at $567) because 55% of a full-coverage Pennsylvania premium goes to collision and comprehensive coverage on your own car. Counting every insured car in Pennsylvania—both full-coverage and liability-only policies—Pennsylvania drivers spent $1,155 per vehicle on average in 2023 (23rd highest in the US, about $1,370 today), or 9% ($118) less than Pennsylvania's full-coverage combined average.
How Pennsylvania compares with Delaware, Maryland, New Jersey, and 3 more bordering states
A typical policy in Pennsylvania ($1,273 in 2023) costs more than in Ohio and West Virginia and less than in Delaware, Maryland, New Jersey, and New York. Among Pennsylvania's neighbors, Ohio had the lowest 2023 average ($1,038, moving to Pennsylvania is about $310 more a year) and New York had the highest ($1,896, moving to Pennsylvania is about $830 less a year).
| State | 2023 average | Moving to Pennsylvania from there |
|---|---|---|
| Pennsylvania | $1,273 | Current state (Pennsylvania) |
| Delaware | $1,569 | About $390 less a year |
| Maryland | $1,602 | About $440 less a year |
| New Jersey | $1,693 | About $560 less a year |
| New York | $1,896 | About $830 less a year |
| Ohio | $1,038 | About $310 more a year |
| West Virginia | $1,227 | About $60 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Alabama ($1,269 in 2023, about $1,500 today), Oregon ($1,268 in 2023, about $1,500 today), Alaska ($1,262 in 2023, about $1,500 today), and Utah ($1,285 in 2023, about $1,520 today).
Pennsylvania: 15/30/5 minimums and a choice on no-fault rules
- Pennsylvania liability (per person / per crash / property)
- $15,000 / $30,000 / $5,000
- Personal injury protection (PIP) in Pennsylvania
- Required
- Medical payments in Pennsylvania
- Not required
- No-fault system in Pennsylvania
- Your choice
- Uninsured motorist in Pennsylvania
- Not required
- Underinsured motorist in Pennsylvania
- Not required
Set by 75 Pa.C.S. 1702, Pennsylvania's 15/30/5 minimum pays up to $15,000 per person and $30,000 per crash for injuries you cause to others, plus $5,000 for others' property—the legal floor in Pennsylvania, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
In Pennsylvania, drivers choose whether no-fault rules or traditional fault rules apply on their policy. Under no-fault in Pennsylvania, your own policy pays for your injuries first regardless of who caused the crash.
Liability-only coverage in Pennsylvania—the closest NAIC figure to what a Pennsylvania minimum policy costs—averaged $567 in 2023 (about $670 in Pennsylvania today), the 22nd lowest of the 50 states and DC. That makes liability 45% of Pennsylvania's full-coverage average ($1,273), while the remaining 55% goes toward collision and comprehensive coverage for your own car.
Pennsylvania requires at least $15,000 per person and $30,000 per crash for injuries, plus $5,000 for property damage, and every policy includes a $5,000 medical benefit. Uninsured and underinsured-motorist coverage must be offered to you but is optional. You also choose between 'full tort' and 'limited tort', which affects your right to sue for pain and suffering.
No-fault is your choice here. If you don't choose, ordinary fault rules apply.
Good to know: Pennsylvania is a "choice" state: you pick full tort or limited tort. If you don't choose, the law presumes full tort, which keeps your full right to sue. The required $5,000 medical benefit is shown as PIP; there's no separate medical payments requirement.
- Personal injury protection
- First-party medical benefit of $5,000.
- Uninsured and underinsured motorist
- Insurers must offer uninsured and underinsured motorist coverage, but buying them is optional. You can also ask for lower limits.
- History and recent checks
- 15/30/5 financial responsibility definition in 75 Pa.C.S. 1702; no 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- 75 Pa.C.S. 1702
in the amount of $15,000 because of injury to one person in any one accident, in the amount of $30,000 because of injury to two or more persons in any one accident and in the amount of $5,000 because of damage
- 75 Pa.C.S. 1786
Every motor vehicle of the type required to be registered under this title which is operated or currently registered shall be covered by financial responsibility.
- 75 Pa.C.S. 1711
shall include coverage providing a medical benefit in the amount of $5,000.
- 75 Pa.C.S. 1731
Purchase of uninsured motorist and underinsured motorist coverages is optional.
- 75 Pa.C.S. 1705
the availability of two alternatives of full tort insurance and limited tort insurance
- 75 Pa.C.S. 1702
Adding a 16-year-old driver in Pennsylvania: about $1,000 more a year
Adding a 16-year-old to a Pennsylvania policy
about $1,000 more a year
About $85 a month (+66% over a typical Pennsylvania adult policy of $1,510), bringing the combined Pennsylvania family policy to roughly $1,850–$3,300 a year.
On a separate Pennsylvania policy of their own with the same car, a 16-year-old in Pennsylvania would pay about $4,330 a year (roughly $3,300–$6,150), so sharing a parent's Pennsylvania policy saves about $3,330 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Pennsylvania's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Pennsylvania
In Pennsylvania, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $890 more a year on a Pennsylvania policy, versus about $1,500 more a year for the 2022 Tesla Model 3 at the top of Pennsylvania's list.
| 2022 model | Added to a Pennsylvania policy | Own Pennsylvania policy |
|---|---|---|
| 2022 Subaru Forester | +$890 in Pennsylvania | $3,860 in Pennsylvania |
| 2022 Subaru Outback | +$890 in Pennsylvania | $3,870 in Pennsylvania |
| 2022 Subaru Crosstrek | +$890 in Pennsylvania | $3,890 in Pennsylvania |
| 2022 Honda CR-V | +$960 in Pennsylvania | $4,150 in Pennsylvania |
| 2022 Toyota RAV4 | +$970 in Pennsylvania | $4,230 in Pennsylvania |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Pennsylvania
In Pennsylvania, a 45-year-old with full coverage pays from about $1,500 a year for a 2024 Mazda CX-50 to about $1,650 for a 2024 Kia Sorento on these Pennsylvania sample models.
| Car | 45-year-old in Pennsylvania | Adding a teen in Pennsylvania |
|---|---|---|
| 2024 Mazda CX-30 | about $1,650 a year | +$1,090 a year |
| 2024 Mazda CX-50 | about $1,500 a year | +$990 a year |
| 2024 Mazda CX-90 | about $1,630 a year | +$1,080 a year |
| 2024 Hyundai Santa Fe | about $1,580 a year | +$1,040 a year |
| 2024 Hyundai Palisade | about $1,650 a year | +$1,090 a year |
| 2024 Kia Telluride | about $1,570 a year | +$1,040 a year |
| 2024 Kia Sorento | about $1,650 a year | +$1,090 a year |
| 2024 Chevrolet Trailblazer | about $1,620 a year | +$1,070 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Pennsylvania
- How much is car insurance in Pennsylvania?
- In Pennsylvania, full-coverage car insurance averaged $1,273 a year in 2023 (the 25th most expensive of the 50 states and DC per NAIC), or about $1,510 a year ($125 a month) in Pennsylvania as of August 2026. Pennsylvania liability-only coverage averaged $567 in 2023 (45% of Pennsylvania's full-coverage figure, or about $670 today), and Pennsylvania drivers spent $1,155 per insured car across all policies.
- What are the minimum car insurance limits in Pennsylvania?
- Under 75 Pa.C.S. 1702, Pennsylvania requires 15/30/5 liability: $15,000 per person and $30,000 per crash for bodily injury, plus $5,000 for property damage. 15/30/5 financial responsibility definition in 75 Pa.C.S. 1702; no 2024-2026 change found.
- How much does adding a 16-year-old teen driver cost in Pennsylvania?
- Adding a 16-year-old to a parent's full-coverage policy in Pennsylvania adds about $1,000 more a year ($85 a month), bringing the Pennsylvania household policy to roughly $1,850–$3,300 a year versus about $4,330 a year (roughly $3,300–$6,150) on a standalone Pennsylvania teen policy.
- Is Pennsylvania a no-fault car insurance state?
- In Pennsylvania, you choose between no-fault rules and traditional fault rules when you buy or renew a Pennsylvania policy. First-party medical benefit of $5,000.
- How does Pennsylvania's car insurance cost compare with Delaware?
- Pennsylvania averaged $1,273 for full coverage in 2023 (NAIC) against $1,569 in Delaware (19% less than Delaware), and moving a sample policy from Delaware to Pennsylvania today is about $390 less a year. Other bordering states averaged $1,602 in Maryland, $1,693 in New Jersey, $1,896 in New York, $1,038 in Ohio, and $1,227 in West Virginia in 2023.
Sources for Pennsylvania
- Pennsylvania average premiums ($1,273 full coverage, $567 liability-only, $1,155 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Pennsylvania minimum coverage statutes (75 Pa.C.S. 1702; 75 Pa.C.S. 1786; 75 Pa.C.S. 1711; 75 Pa.C.S. 1731; 75 Pa.C.S. 1705), checked September 22, 2026. Page updated for Pennsylvania. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.