Popular QuestionsPopular Questions about Pennsylvania Car Insurance

How much does Pennsylvania car insurance cost? $1,440

Did you know that Pennsylvania drivers pay just as much as most other drivers around the nation?

On average, Americans pay $1,474 per year for their auto insurance. Drivers in The Keystone State pay on average about $1,440 per year. It isn't much of a difference, but you should still ensure you're getting the best rate possible by comparing quotes from a variety of insurance companies.

What does Pennsylvania car insurance actually do for me?

Accidents can happen without warning. You put yourself at risk every time you're behind the wheel. So let us share how your car insurance will respond if something goes wrong.

  • Fixes your car: Not required. This is called "comprehensive & collision coverage," and though it is not required by the state, it may be required by your lender.
  • Fixes someone else's car: Required/minimum $5,000. This is called"property damage liability." 
  • Pays your medical bills: Required/minimum $15,000. This is called "personal injury protection" or "PIP." 
  • Pays someone else's medical bills: Required/minimum $30,000 per person. This is called "bodily injury liability."

As a Pennsylvania driver, you're required to have certain types of insurance coverage at specific limits. These coverages will pay for someone else's vehicle damage and medical bills for yourself and others involved in an accident. Most states have similar laws to make sure drivers are prepared for accidents they are involved in.

Who pays if the accident wasn't my fault?

The driver who caused the accident, of course.

How many Pennsylvania drivers are uninsured? 6.5%

Sometimes people drive without any insurance. These careless drivers are out on the roads without a financial backup plan for accidents, and that can be devastating to you and your family if they cause an accident. 

That's where "uninsured motorist coverage" comes in. If you're hit by an uninsured or underinsured driver, this coverage will step in to pay for vehicle repairs and medical bills.

Your insurance company will typically attempt to collect compensation from the offending driver, but that can be an extremely difficult task.

Pennsylvania does not require you to have uninsured motorist coverage, but we highly recommend looking at the benefits it can provide you with a Trusted Choice® agent.

Which are the best insurance companies in Pennsylvania?
travelers logo
selective
safeco insurance
westfield insurance

An independent insurance agent compares policies from multiple companies to find the best coverage for your needs.

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost: $1,318 / year
  • National average car thefts per 1,000  vehicles: 2.94
  • National average time spent commuting: 25.4 min


CityCommute Time (min)Theft Rate per 1,000 VehiclesAnnual Insurance CostMonthly Insurance Cost
Allentown21.12.34$1,413$118
Altoona16.20.73$1,129$94
Bensalem29.91.32$1,531$128
Bethlehem23.80.64$1,310$109
Bloomsburg15.60.27$1,068$89
Butler23.41.28$1,364$114
Carlisle17.20.57$1,138$95
Chambersburg19.70.96$1,240$103
Chester23.93.86$1,635$136
Cranberry Twp.24.30.71$1,330$111
Dover23.40.50$1,286$107
Dunmore17.80.68$1,164$97
Easton23.31.19$1,353$113
Erie18.41.05$1,216$101
Greensburg20.00.56$1,207$101
Hanover26.30.26$1,335$111
Harrisburg20.32.76$1,435$120
Hazleton20.41.09$1,270$106
Hermitage17.00.82$1,158$97
Indiana14.70.14$1,033$86
Johnstown21.10.90$1,269$106
King of Prussia22.82.42$1,463$122
Lancaster23.11.37$1,366$114
Langhorne24.50.79$1,342$112
Lansdale25.82.37$1,533$128
Lebanon19.61.92$1,333$111
Malvern21.80.01$1,197$100
Milford31.70.01$1,445$120
Monroeville27.30.74$1,408$117
New Castle17.61.76$1,267$106
Norristown23.81.69$1,415$118
Oil City20.10.10$1,164$97
Philadelphia31.93.50$1,699$142
Phoenixville26.60.48$1,364$114
Pittsburgh22.92.71$1,476$123
Pottstown27.42.42$1,538$128
Pottsville19.11.32$1,261$105
Reading23.22.33$1,464$122
Scranton19.51.73$1,312$109
State College15.10.16$1,045$87
Upper Darby35.91.22$1,671$139
West Chester20.70.75$1,244$104
West Mifflin27.70.89$1,403$117
Whitehall30.50.07$1,421$118
Wilkes-Barre17.91.56$1,255$105
Williamsport16.00.79$1,130$94
York21.84.39$1,635$136

Wilkes-Barre

Average cost of Wilkes-Barre car insurance: $342/month

Because your auto insurance is personalized and takes a number of individual factors into account, your monthly cost could be higher or lower than this. 

Here are some city factors that will affect your rate:

Commute time: 18.3 minutes

Driving in, around and through Wilkes-Barre can be taxing. Congested roadways during rush hour are never ideal and can put you at greater risk of getting into a fender bender.

Norristown

Average cost of Norristown car insurance: $420/month

Did you know your Norristown auto insurance should be completely personalized to your unique vehicle and driving history? If you're still paying based on averages, you should talk to a Trusted Choice agent to receive a customized car policy.

Here are some city factors that will affect your rate:

Commute time: 23.1 minutes

Norristown commuters may spend less time on the road than others, but that doesn't mean they're without risk. With heavy traffic during rush hour, you can't afford to be without the proper auto coverage.

Auto theft rate in Norristown: 1.54 per 1,000 vehicles

Norristown is generally a safe place — just take a look at the city's auto theft average. Since it's lower than the national average, insurance rates may be lower.

Chester

Average cost of Chester car insurance: $535/month

Your vehicle, gender and driving record, along with a few other factors, will be considered when calculating your auto insurance. That means your monthly cost could be higher or lower than this average, since it's totally personalized.

Here are some city factors that will affect your rate:

Commute time: 22.9 minutes

Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident. And considering that Chester drivers spend quite a bit of time on the road, insurance rates could be higher as a result.

Auto theft rate in Chester: 3.87 per 1,000 vehicles

Chester's auto theft is much higher than the national average, and this will probably be reflected in your auto insurance rates. You can help protect your car by parking under street lights and hiding valuables, but the only surefire way to protect yourself from an auto theft and break-ins is with comprehensive Chester auto insurance.

Williamsport

Average cost of Williamsport car insurance: $306/month

Your monthly cost could be higher or lower than this average. It all depends on a few unique factors like your vehicle's make and model, and your individual driving and claims history.

Here are some city factors that will affect your rate:

Commute time: 16.7 minutes

Williamsport drivers spend much less time commuting compared to drivers around the country. While this could decrease auto insurance rates, it doesn't mean you're out of the running for encountering an accident.

Auto theft rate in Williamsport: 0.72 per 1,000 vehicles

It's rare to encounter an auto theft in Williamsport, which is great news. But an incident can occur whether you like it or not, so be prepared for the worst just in case.

Monroeville

Average cost of Monroeville car insurance: $324/month

Use this average as a baseline when you're looking at policy options. Your auto insurance will be customized when you go through a Trusted Choice agent, so it can vary greatly from this rate.

Here are some city factors that will affect your rate:

Commute time: 26.7 minutes

Think about all the time you spend commuting. It's quite a bit when you tally it all up, especially as a Monroeville driver. That's why you need coverage that gives you peace of mind when you're behind the wheel and on the road.

Auto theft rate in Monroeville: 0.64 per 1,000 vehicles

A stolen vehicle and busted window are never things you want to happen, but they can, and without warning. Because Monroeville has a relatively low average auto theft rate, you may be able to get a lower car insurance rate.

Scranton

Average cost of Scranton car insurance: $200/month

Factors like your vehicle's age, your gender and your previous driving record can impact how much you pay for auto insurance. Keep that in mind when you talk to a Trusted Choice agent about your Scranton auto insurance policy options.

Here are some city factors that will affect your rate:

Commute time: 18.5 minutes

It's simple: The more time you spend on the road, the more likely you'll be in an accident. Auto insurance in Scranton may be impacted by the average commute time, but it's best just to ensure you're protected for your unique situation.

Auto theft rate in Scranton: 1.65 per 1,000 vehicles

The theft rate in Scranton is much lower than the national average, which may help decrease insurance rates. But it's still a good idea to take precautionary measures like parking under street lights and hiding valuables in the trunk.