🚗 Car insurance cost in Pennsylvania (2026)
The estimated average is $2,150 per year — about the national average (0% vs. the U.S. average of $2,150).
Pennsylvania is home to about 13.0 million people, and car insurance here runs near the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Philadelphia typically differ from smaller towns.
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Pennsylvania car insurance estimator
Starts from the Pennsylvania average. Estimate only — get quotes to confirm.
Car insurance cost in Pennsylvania cities
| City | Population | Est. car insurance |
|---|---|---|
| Philadelphia | 1,550,542 | $2,408 |
| Pittsburgh | 302,971 | $2,236 |
| Allentown | 125,845 | $2,150 |
| Reading | 95,112 | $2,064 |
| Erie | 94,831 | $2,064 |
| Scranton | 76,328 | $2,064 |
Pennsylvania car insurance FAQ
How much is car insurance in Pennsylvania?
The estimated average car insurance in Pennsylvania is $2,150 per year, which is about the national average (0% vs. the U.S. average of $2,150). Pennsylvania ranks 25 of 51 states from most to least expensive.
Why is car insurance cheaper in Pennsylvania?
Car insurance pricing in Pennsylvania reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Northeast.
How can I save on car insurance in Pennsylvania?
Compare at least three quotes from insurers active in Pennsylvania, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.