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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the technical advice and tools needed to succeed throughout life ’ s fiscal journey. Bankrate ’ s column team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow hard-and-fast guidelines to ensure that our editorial contented is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our subject is thoroughly fact-checked to ensure accuracy. sol, whether you ’ re reading an article or a revue, you can trust that you ’ re getting credible and dependable information. We value your confidence. Our mission is to provide readers with accurate and indifferent data, and we have editorial standards in put to ensure that happens. Our editors and reporters thoroughly fact-check editorial capacity to ensure the information you ’ ra interpretation is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive address compensation from our advertisers. Bankrate follows a nonindulgent column policy, so you can trust that we ’ re putting your interests first. Our award-winning editors and reporters create honest and accurate subject to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — monetary value, customer service, policy features and savings opportunities — indeed you can feel confident about which supplier is veracious for you. Bankrate follows a stern editorial policy, so you can trust that we ’ re putting your interests first. All of our message is authored by highly qualify professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your hope. Founded in 1976, Bankrate has a long track record of helping people make fresh fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making march and giving people confidence in which actions to take future. While we adhere to strict column integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This subject is powered by HomeInsurance.com ( NPN : 8781838 ). For more data, please see our Insurance disclosure. The average price of car insurance in Pennsylvania is $ 1,476 per class for full coverage, which is 12 % less than the national average of $ 1,674, according to Bankrate ’ mho 2021 cogitation of average quoted premiums from Quadrant Information Services. Our policy editorial team analyzed 1,308 ZIP codes in the Keystone State to present the most accurate average rates possible. Pennsylvania drivers pay less than the national average of $ 1,674 for full coverage, but rates vary based on respective factors. Our research can help you understand what you might pay for cable car insurance in a certain city, with unlike companies, at different ages and for different vehicles. Understanding the average cost of coverage for drivers in your area could help you know what to expect when patronize for car coverage in the commonwealth .

How much is car insurance in Pennsylvania?

Full coverage costs an modal of $ 1,476 per year in Pennsylvania, according to our research. however, your rates will vary based on several factors. Your city and ZIP code, the party you choose, senesce, marital status, credit-based insurance seduce, any tickets and accidents on your motor vehicle criminal record ( MVR ), claims history, and the character of vehicle you are insuring will all impact how a lot you pay for car policy in Pennsylvania .

Pennsylvania car insurance rates

Average annual minimum coverage premium Average annual full coverage premium
$427 $1,476

Pennsylvania car insurance rates by city

No matter what state you live in, cable car policy rates vary by city. Larger cities typically have a greater likelihood of crashes due to increased dealings and higher rates of larceny and vandalism. Most metropolitan areas besides tend to have a higher cost of living, which means the costs for parts and labor are more expensive, as is checkup caution .

City Average annual premium for full coverage % difference from state average annual premium
Philadelphia $2,787 89%
Pittsburgh $1,504 2%
Erie $1,461 -1%
Lancaster $1,276 -14%
Allentown $1,497 1%
Reading $1,439 -3%
York $1,264 -14%
Bethlehem $1,438 -3%
West Chester $1,577 7%
Harrisburg $1,258 -15%

Pennsylvania car insurance rates by company

different car policy companies have distinct cover fink criteria, therefore premium vary, much widely. The best car policy company in Pennsylvania will be the carrier that most close align with your needs. Most insurance experts recommend that you get at least three quotes from unlike policy providers to compare price, coverage offerings, discounts and policy features before making your choice. Pennsylvania drivers have a variety of cable car policy choices from national and regional companies .

Cost of living in Pennsylvania and car insurance

When shop for the best car indemnity rates in Pennsylvania, you may want to factor in your other expenses so that you ’ ra looking at your total surviving costs. The graph below shows the modal annual cost of populate in Pennsylvania, including the average cost of car indemnity. Use this graph as a template to help determine your overall expenses so that you can decide what insurance rates fit in your budget.

Pennsylvania car insurance rates by age

Understanding car insurance rates by age could help you prepare for both your current premium and how your premium might change over time. Teens tend to pay the highest premiums due to their inexperience and high crash rates, and can add between 50 % and 100 % to the price of a kin ’ sulfur car indemnity coverage, according to the Insurance Information Institute ( Triple-I ). typically, rates drop as you get older, equally long as you maintain a clean drive criminal record. As you reach your 70s, you might start to see your agio increase a bit again ascribable to higher risks of accidents for elder drivers. *16-year-old calculated on parent ’ randomness policy ; 18- and 20-year-old are renters .

Pennsylvania car insurance rates by gender

In most states, your gender besides affects your car indemnity premium. Men tend to pay higher premiums than women because they are statistically more likely to engage in bad drive behaviors. however, Pennsylvania bans the consumption of sex as a car insurance rat factor. If all other evaluation factors are equal, men and women should pay the same for coverage .

Pennsylvania car insurance by credit score

Credit-based policy scores impact car indemnity rates by predicting the likelihood that you will file a claim. Drivers with poor credit scores are statistically more probable to file claims than drivers with higher scores, so cable car policy companies price their policies higher. This is because car policy premiums are based on risk. If you present a higher risk to the aircraft carrier, you ’ ll probably give more. Average annual full coverage rate by credit score

Poor Average Good
National average $3,873 $1,865 $1,674
Pennsylvania $2,553 $1,791 $1,476

Pennsylvania car insurance rates by driving record

Having a houseclean drive record is one of the best ways to keep your indemnity costs down. Tickets, accidents and DUI convictions are all indications that you could be a bad driver. Both travel rapidly tickets and at-fault accidents can raise your premiums. DUIs are arguably the most good umbrage on a drive commemorate ; a DUI can cost thousands of dollars a year in higher insurance premiums and fees and stay on your drive record for life in Pennsylvania, unless it is expunged .

Driving incident Average annual premium in Pennsylvania % increase in average annual premium
Clean driving record $1,476 0%
Speeding ticket $1,926 30%
Accident $2,288 55%
DUI $3,143 113%

Pennsylvania car insurance rates by vehicle type

ultimately, the reach and model of your vehicle plays a significant function in how much you ’ ll pay for car insurance. Rates vary by make and model because each type of car has different base hit features, doss statistics and animate costs .

Frequently asked questions

What is the average cost of minimum coverage in Pennsylvania?

Minimum coverage car policy costs an median of $ 427 per class in Pennsylvania. The country requires drivers to buy at least the follow coverage types and limits to drive legally in the state :

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
  • $5,000 personal injury protection (called “First-Party Benefits” in Pennsylvania)

Pennsylvania is a no-fault state, so personal injury protection ( PIP ) is required, although the submit refers to it as “ First-Party Benefits ” or “ FPB. ” Minimum coverage may come with some of the cheapest rates in Pennsylvania, but it provides very little fiscal security. Most indemnity professionals recommend you purchase higher indebtedness limits if you can afford to. You might even want to consider wide coverage, which includes collision and comprehensive examination coverages, and will be a prerequisite if you have a loan or lease on your vehicle .

What is the best car insurance company in Pennsylvania?

There international relations and security network ’ t one company that is best for everyone. Rather, the best cable car insurance company will be the one that most closely align with your needs. If you ’ rhenium shop for a policy, make a list of the coverage types, endorsements, discounts and policy features that you are looking for. You can then get quotes from respective carriers so you can compare costs and coverages and find the policy that best suits your situation .

What is the cheapest car insurance company in Pennsylvania?

fair like with the best company, the cheapest car insurance company will vary by driver. Rates are personalized based on more than a twelve person repel factors. While some companies tend to be cheaper than others, no company is constantly the cheapest for everyone. Based on Bankrate ’ s research, Penn National, Nationwide and QBE offer cheap average rates in the Keystone State .

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a scavenge tug record, good accredit and the postdate fully coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimal coverage limits, Bankrate used minimum coverage that meets each state ’ mho requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum. These are sample distribution rates and should entirely be used for relative purposes. Age : Rates were calculated by evaluating our base profile with the ages 18-60 ( base : 40 years ) applied. Depending on senesce, drivers may be a tenant or homeowner. For teens, rates were determined by adding a 16- or 17-year-old adolescent to a 40-year-old marital couple ’ second policy. The rates displayed reflect the total cost to the parents ’ policy. Based on quote annual premiums, it does not appear Hawaii uses senesce as a put up factor. Gender : Seven states prohibit insurers from using sex to calculate premiums : California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania.

Credit-based insurance scores: Rates were calculated based on the following policy credit tiers assigned to our drivers : “ poor, average, good ( base ) and excellent. ” Insurance credit tiers factor in your official credit scores but are not subject on that variable alone. Five states prohibit the use of credit-based insurance scores as a rate agent in determining car indemnity rates : California, Hawaii, Massachusetts and Michigan. Incident: Rates were calculated by evaluating our establish profile with the trace incidents applied : clean record ( base ), at-fault accident, single accelerate ticket, single DUI conviction and lapse in coverage. Model: To determine price by fomite type, we evaluated our base profile with the follow vehicles applied : Toyota Camry ( basal ), Ford F-150 and Honda Odyssey .

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