Car Insurance in Pennsylvania

Pennsylvania drivers have been grappling with increased insurance rates. Here’s how to get the best policy for your needs.
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Car Insurance in Pennsylvania

Pennsylvania Insurance Coverage

According to S&P Global’s data, drivers in Pennsylvania saw a 40% increase in car insurance rates from January 2019 to Sept 2024. 

Drivers are required to carry the following minimum coverages:

  • $15,000 in bodily injury liability for injury to one person.
  • $30,000 for bodily injury liability for injury to several people in an accident.
  • $5,000 for property damage.

As you sift through car insurance quotes, ask yourself if your main goal is cheap car insurance or a plan that offers more robust coverage. Insurance isn’t one-size-fits-all, so be honest about what you need for peace of mind on the road. Getting a range of quotes will help you identify the average cost of car insurance tailored to your situation.

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Recent car insurance quotes in Pennsylvania

Date of Policy
City
Insurance Company
Monthly Quote
July 7, 2025 Philadelphia Embark General $160
July 7, 2025 Chester ROOT $619
July 7, 2025 Darby Safeco $233
July 7, 2025 Philadelphia Embark General $141
July 7, 2025 Philadelphia ROOT $478
Last Updated Jul 9, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.
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Annie Millerbernd, Jun 24, 2025