Commonly Asked Questions about Car Insurance in Pennsylvania

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.

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.

The driver who caused the accident, of course.

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.

The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.

How does car insurance actually work?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Allentown21.12.34$1,413
Altoona16.20.73$1,129
Bensalem29.91.32$1,531
Bethlehem23.80.64$1,310
Bloomsburg15.60.27$1,068
Butler23.41.28$1,364
Carlisle17.20.57$1,138
Chambersburg19.70.96$1,240
Chester23.93.86$1,635
Cranberry Twp.24.30.71$1,330
Dover23.40.5$1,286
Dunmore17.80.68$1,164
Easton23.31.19$1,353
Erie18.41.05$1,216
Greensburg200.56$1,207
Hanover26.30.26$1,335
Harrisburg20.32.76$1,435
Hazleton20.41.09$1,270
Hermitage170.82$1,158
Indiana14.70.14$1,033
Johnstown21.10.9$1,269
King of Prussia22.82.42$1,463
Lancaster23.11.37$1,366
Langhorne24.50.79$1,342
Lansdale25.82.37$1,533
Lebanon19.61.92$1,333
Malvern21.80.01$1,197
Milford31.70.01$1,445
Monroeville27.30.74$1,408
New Castle17.61.76$1,267
Norristown23.81.69$1,415
Oil City20.10.1$1,164
Philadelphia31.93.5$1,699
Phoenixville26.60.48$1,364
Pittsburgh22.92.71$1,476
Pottstown27.42.42$1,538
Pottsville19.11.32$1,261
Reading23.22.33$1,464
Scranton19.51.73$1,312
State College15.10.16$1,045
Upper Darby35.91.22$1,671
West Chester20.70.75$1,244
West Mifflin27.70.89$1,403
Whitehall30.50.07$1,421
Wilkes-Barre17.91.56$1,255
Williamsport160.79$1,130
York21.84.39$1,635


  1. $342
  2. Wilkes-Barre, PA Car Insurance average monthly cost
  3. Average cost of Wilkes-Barre car insurance: $342/month
  4. 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. 
  5. Here are some city factors that will affect your rate:
  6. Commute time: 18.3 minutes
  7. 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.


  1. $420
  2. Norristown, PA Car Insurance average monthly cost
  3. Average cost of Norristown car insurance: $420/month
  4. 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.
  5. Here are some city factors that will affect your rate:
  6. Commute time: 23.1 minutes
  7. 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.
  8. Auto theft rate in Norristown: 1.54 per 1,000 vehicles
  9. 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.


  1. $535
  2. Chester, PA Car Insurance average monthly cost
  3. Average cost of Chester car insurance: $535/month
  4. 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.
  5. Here are some city factors that will affect your rate:
  6. Commute time: 22.9 minutes
  7. 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.
  8. Auto theft rate in Chester: 3.87 per 1,000 vehicles
  9. 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.


  1. $306
  2. Williamsport, PA Car Insurance average monthly cost
  3. Average cost of Williamsport car insurance: $306/month
  4. 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.
  5. Here are some city factors that will affect your rate:
  6. Commute time: 16.7 minutes
  7. 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.
  8. Auto theft rate in Williamsport: 0.72 per 1,000 vehicles
  9. 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.


  1. $324
  2. Monroeville, PA Car Insurance average monthly cost
  3. Average cost of Monroeville car insurance: $324/month
  4. 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.
  5. Here are some city factors that will affect your rate:
  6. Commute time: 26.7 minutes
  7. 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.
  8. Auto theft rate in Monroeville: 0.64 per 1,000 vehicles
  9. 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.


  1. $200
  2. Scranton, PA Car Insurance average monthly cost
  3. Average cost of Scranton car insurance: $200/month
  4. 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.
  5. Here are some city factors that will affect your rate:
  6. Commute time: 18.5 minutes
  7. 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.
  8. Auto theft rate in Scranton: 1.65 per 1,000 vehicles
  9. 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.