The average full-coverage car insurance in Pennsylvania is $2,428 per year for full coverage — that's 3% below the U.S. average of $2,513, the 26th least expensive of 51 states.
| Pennsylvania average | $2,428 per year for full coverage |
|---|---|
| U.S. average | $2,513 per year for full coverage |
| Difference | −3% (−$85/yr) |
| Rank (most expensive) | 26th of 51 |
Pennsylvania sits in the Northeast and ranks 26th of 51 for car insurance cost. Premiums stay lower thanks to lower catastrophe risk and fewer costly claims. Either way, the same coverage is quoted very differently between carriers, so what you personally pay comes down to who you buy from.
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The levers that move your rate the most: bundling auto with home or renters; raising your deductible; asking about low-mileage and safe-driver discounts; comparing at least 3 carriers — the same driver is quoted hundreds apart. The biggest one is simply re-shopping at renewal — insurers raise rates on existing customers faster than they quote new ones, so loyalty quietly costs you.
Compare Pennsylvania Car Insurance Rates — Free, 2 Minutes →The average full-coverage car insurance in Pennsylvania is about $2,428 per year for full coverage as of 2026 — 3% below the national average of $2,513 per year for full coverage. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
Pennsylvania ranks 26th out of 51 for car insurance cost. Rates run lower thanks to lower catastrophe risk and claim frequency.
The fastest levers: bundling auto with home or renters, raising your deductible, asking about low-mileage and safe-driver discounts. Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.