Car insurance rates in Pennsylvania
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- Westfield provides the cheapest liability coverage at $19 per month in Pennsylvania.
- Westfield offers the cheapest rates for full coverage insurance in Pennsylvania at $62 per month.
- At $134 per month, Houserville is the cheapest city for car insurance in Pennsylvania.
Read on to learn more about car insurance price trends in Pennsylvania. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Pennsylvania
For drivers looking to meet Pennsylvania minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liabiility insurance in Pennsylvania
#1. Westfield: $19
#2. Auto-Owners Insurance Co: $25
#3. Travelers: $27
#4. Chubb: $30
#5. American National P&C: $33
Cheap full coverage in Pennsylvania
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Pennsylvania
#1. Auto-Owners Insurance Co: $62
#2. Travelers: $77
#3. American National P&C: $86
#4. Erie: $99
#5. Westfield: $103
Impact of traffic violations on Pennsylvania auto insurance rates
In Pennsylvania, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Pennsylvania may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Pennsylvania after common driving violations.
- No violation: $189
- Not-at-fault accident: $202
- Failure to wear a seat belt: $213
- Speeding 6 - 10 MPH over limit: $218
- Speeding 21 - 25 MPH over limit: $224
- DUI: $349
- Reckless driving: $343
- Driving with a suspended license: $350
- Leaving scene of an accident/hit and run: $353
Car insurance rates across Pennsylvania's top cities
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
Cities with the cheapest average monthly premium in Pennsylvania
#1. Houserville: $134
#1. Pine Grove Mills: $134
#3. Park Forest Village: $135
#3. State College: $135
#5. Burnham: $136
Cities with the most expensive average monthly premium in Pennsylvania
#1. Yeadon: $287
#2. East Lansdowne: $285
#3. Lansdowne: $279
#3. Concordville: $279
#5. Colwyn: $277
