Short answer: car insurance in Pennsylvania depends on your ZIP code, coverage level and driver/home profile. Pennsylvania's state minimum car insurance is 15/30/5. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in Pennsylvania is about $1,155 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
Pennsylvania car insurance basicsPennsylvania is a
no-fault state for auto insurance. Minimum car insurance in Pennsylvania:
15/30/5 — $15k bodily injury/person, $30k/accident, $5k property damage. Statewide average premium:
~$1,155/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in Pennsylvania
Pennsylvania car insurance FAQ
How much is car insurance in Pennsylvania?
The average annual car insurance premium in Pennsylvania is about $1,155 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in Pennsylvania?
Compare multiple carriers, bundle policies, and check local Pennsylvania discounts. Get free quotes in a couple of minutes.
Also compare home insurance in Pennsylvania →