Car insurance in Pennsylvania is cheaper than most states.

The average driver here pays $1,274/year — 11% below the national average, and higher than 26 of 50 other states.

$1,274

avg full coverage
per year

All 51 states by costYou're here ↓

$926 · Maine$1,994 · Florida

● Pennsylvania is in the 51st percentile nationally

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$1,274 /yr

Pennsylvania average · full coverage · clean record

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What affects your rate in Pennsylvania

Pennsylvania's average premium is 11% below the national average of $1,438, ranking #25 of 51 states by cost. NAIC cautions that state-to-state comparisons reflect differing coverage mixes, urban density and required coverages, not just carrier pricing.

How Pennsylvania compares

Average full-coverage premium per year
Benchmark	Per year
Pennsylvania	$1,274
National average	$1,438
Most expensive — Florida	$1,994
Cheapest — Maine	$926

Source: NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data, released February 2026).

About this estimate. The base figure is the NAIC combined average premium for Pennsylvania (liability + collision + comprehensive, 2023). The calculator applies published industry multipliers (age, credit, record, coverage) from secondary sources (Bankrate / ValuePenguin modeled rates) and is an estimate for informational purposes only — not an insurance quote or offer. Credit-tier adjustments are not applied in states that ban credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan).