Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Read about our editorial standards here.
Compare Car Insurance Quotes in Pennsylvania
Jerry is a free app trusted by 41,391 Pennsylvania drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average Pennsylvania car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $380 a month for full coverage. But in Pennsylvania, Jerry drivers pay:
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$63 to $143 per month for state-mandated minimum coverage.
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$172 to $401 per month for full coverage.
Spending a few minutes comparing quotes can pay off fast. Over the last 12 months, Jerry has helped Pennsylvanians save an average of $846 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help and do the legwork so you can compare quotes and get covered in Pennsylvania in under 10 minutes. The process is entirely online and free. That means no spam calls because we never sell your data. You stay in control, but if you prefer to talk to a real person, you can connect with a licensed agent anytime.
Keep in mind that rates vary from driver to driver based on things like your history on the road, the car you own and where you’re located. Here are some full coverage rates that Jerry drivers in Pennsylvania have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Pennsylvania homeowners deal with severe thunderstorms, winter snowstorms and flooding, particularly along the state’s many rivers and streams. Bundling home and auto insurance is one of the most effective strategies to keep your overall premiums manageable.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Pennsylvania drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Pennsylvania, shopping around helps you find the right fit.
That matters in Pennsylvania, where Philadelphia and Pittsburgh anchor opposite ends of the state with very different driving conditions and costs. Urban congestion in the east, rural Appalachian roads in the middle, and lake-effect weather in the northwest all shape what drivers pay. Jerry works with Pennsylvania drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 17 trusted insurers in the Keystone State, so you get the full picture of what’s available and how much you should be paying.
Here are some of the most recent quotes Jerry has been able to pull for Pennsylvania drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Pennsylvania
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Pennsylvania car insurance coverage requirements
Pennsylvania drivers are required to buy personal property and bodily injury liability insurance coverage to legally drive their car. The minimum coverage requirements in this state are:
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$15,000 in bodily injury liability for injury to one person.
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$30,000 for bodily injury liability for injury to several people in an accident.
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$5,000 for property damage.
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$5,000 for medical payments coverage.
Drivers can also choose to purchase a combined single limit (CSL) policy of at least $35,000, which covers the property damage and bodily injury liability requirement.
While this meets the Pennsylvania minimum coverage requirement, it won’t protect you against many major accidents or damage to your own car. For better protection, many Jerry drivers increase their coverage limits and buy comprehensive and collision coverage. Considering 11% of Pennsylvania drivers are uninsured, it might also be a good choice to buy uninsured/underinsured motorist (UM/UIM) protection.
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Coverage definitions
Factors affecting Pennsylvania car insurance rates in 2026
Winter driving and freeze-thaw damage
Snow, ice and relentless freeze-thaw cycles make Pennsylvania roads slippery and rough for months at a time, and potholes can punish tires and suspension well into spring. Collision coverage pays for your car after a winter crash, and comprehensive handles non-collision losses like fallen branches and ice damage.
Deer collisions
Pennsylvania consistently ranks among the top states in the country for deer-related crashes. Comprehensive coverage typically pays for animal impacts, so it’s a key layer of protection if you drive outside city centers or commute on darker two-lane roads.
Turnpike and commuter corridor traffic
Busy routes like the PA Turnpike, I-76 and the Schuylkill Expressway mean constant exposure to rear-end crashes and lane-change accidents. Consider carrying collision coverage so your repairs don’t depend on a fault decision; a telematics program can also turn safe driving habits into lower rates.
Urban crash and theft patterns
Philadelphia, Pittsburgh and Harrisburg see higher accident frequency and theft exposure than most of the state. Where you park and how often you drive in dense traffic can affect your premium as much as your driving record. Consider keeping comprehensive coverage with a deductible you can afford.
Full tort vs limited tort
Pennsylvania’s tort selection is one of the biggest decisions on your policy. Limited tort usually costs less but restricts your right to sue for pain and suffering except in specific situations. Full tort gives you broader legal rights and typically costs more. Make sure you understand the tradeoff before choosing.
Aging roads and construction zones
Pennsylvania has some of the oldest infrastructure in the country, and near-constant construction in certain corridors means lane shifts, narrow shoulders and uneven surfaces. Those conditions drive up fender benders and wheel damage. Keep collision coverage active and stay alert through work zones.
Average cost of car insurance in major Pennsylvania cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $425 | |
| $247 | |
| $263 | |
| $259 | |
| $225 | |
| $211 | |
| $196 | |
| $224 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Pennsylvania quotes in as little as 2 minutes.
Learn more about driving in Pennsylvania
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Understand how no-fault insurance works in Pennsylvania.
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Understand the 6 main types of car insurance coverage.
FAQ
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Is Pennsylvania an at-fault insurance state?
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What’s the difference between limited tort and full tort in Pennsylvania?
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What happens if I drive without insurance in Pennsylvania?
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Does Pennsylvania require PIP?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.