Compare car insurance quotes in Pennsylvania
Jerry uses real data from 31,803 Pennsylvania drivers to help you:
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Compare insurance options in minutes.
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Bundle, buy, and switch in the app or by phone.
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Avoid long forms and phone calls.
Average Pennsylvania car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $383 a month for full coverage. But in Pennsylvania, Jerry drivers pay:
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$62 to $144 per month for state-mandated minimum coverage, and
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$174 to $399 per month for full coverage.
Even a quick rate check can move the needle. In the past year, Jerry has helped Pennsylvanians save an average of $892 on coverage simply by weighing their options side by side.
With Jerry, you can compare offers and fine-tune your policy for Pennsylvania car insurance in under 10 minutes. It’s free and fully online, and we don’t sell your info or hound you with calls.
Prices still vary based on your specific situation, including your record behind the wheel, your car and your location. 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
One of the best ways to save on home insurance in Pennsylvania is by bundling your car and home insurance. On average, Jerry homeowners save between 15% and 25% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle 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 that means building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Pennsylvania that you can find.
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:
- $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.
While this makes you “legal,” though, 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 (UIM) protection.
Factors affecting Pennsylvania car insurance rates in 2026
Winter conditions and freeze-thaw damage
Snow, ice, and frequent freeze-thaw cycles can make roads slick and unpredictable, which tends to increase collision claims. Winter also brings potholes that can damage tires and suspension. Collision coverage is what applies after most accidents, while comprehensive can help with certain non-collision winter damage.
Deer strike risk
Pennsylvania is consistently one of the top states for wildlife-related crashes. Collisions with animals generally fall under comprehensive coverage (not collision), so it’s a key part of protection if you drive outside city centers or commute on darker roads.
Turnpike and commuter corridor traffic
Busy routes like the PA Turnpike and major commuter corridors increase exposure to rear-end crashes, lane-change accidents, and multi-car pileups. Higher traffic density can raise claim frequency, which insurers often price into premiums.
Urban claim patterns
Philadelphia, Pittsburgh, and Harrisburg tend to see higher accident frequency and theft exposure than many rural areas. Where you park and how often you drive in dense traffic can affect premiums as much as your personal driving history.
Full tort vs limited tort
Pennsylvania’s tort selection can materially change your premium and your ability to recover certain damages after a crash. Limited tort often costs less, but it can restrict your right to sue for pain and suffering except in specific situations, while full tort gives you broader rights and typically costs more.
Older infrastructure and roadwork zones
Pennsylvania has a lot of aging roads, bridges, and near-constant construction in certain corridors. Lane shifts, narrowed shoulders, and uneven surfaces increase the chances of fender benders and wheel or tire damage, which can show up in both collision claims and repair costs.
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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City
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Average monthly cost
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|---|---|
| $422 | |
| $248 | |
| $261 | |
| $260 | |
| $224 | |
| $209 | |
| $194 | |
| $217 |
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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Learn about personal injury protection (PIP) insurance.
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Understand the 6 main types of car insurance coverage.
FAQs
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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 personal injury protection (PIP)?
