Car Insurance in Pennsylvania (2026)
Pennsylvania car insurance averages about $2,210 per year for full coverage. The state offers a unique choice between full tort and limited tort options — limited tort restricts your right to sue for pain and suffering but reduces premiums by 15-20%. Erie Insurance, headquartered in Pennsylvania, consistently offers competitive rates. Philadelphia has significantly higher rates than the rest of the state. Pennsylvania's relatively low minimum requirements mean most drivers should carry higher limits.
$2,210
$184/mo
15/30/5
BI per person/accident/PD
-4%
Below average
Erie
Most popular in state
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Pennsylvania Minimum Coverage Requirements
Pennsylvania requires minimum liability of 15/30/5 plus $5,000 medical benefits. Drivers choose between full tort (right to sue) and limited tort (restricted lawsuit rights for lower premiums).
Important: State minimums are the legal floor, not the recommended coverage level. Most financial experts recommend at least 100/300/100 for adequate protection.
Factors Affecting Rates in Pennsylvania
Pennsylvania Car Insurance FAQ
Disclaimer: The information on this page is for general informational purposes only and does not constitute insurance advice. Average premium data is sourced from the Insurance Information Institute and publicly available state data (2024-2025). Actual rates vary significantly based on your specific driving record, age, vehicle, location, coverage selections, and other factors. Always verify coverage requirements with the Pennsylvania Department of Insurance and get personalized quotes from carriers.