Pennsylvania Car Insurance
The average Pennsylvania driver pays $1,600/year for full coverage and $510/year for state minimum. Compare quotes from top carriers and find the right fit in five minutes.
Compare Pennsylvania quotes →At a glance
- Avg. full coverage
- $1,600 / year
- Avg. minimum coverage
- $510 / year
- State minimum
- 15/30/5
- No-fault state?
- Yes
- PIP required?
- Yes
- UM/UIM required?
- No
Pennsylvania Minimum Coverage Requirements
The minimum auto insurance coverage required to legally drive in Pennsylvania is:
15/30/5
$15K bodily injury per person, $30K per accident, $5K property damage
These minimums are not the same as what most drivers should carry. State minimums protect you from a small fender bender — they fall far short of what you'd need after a serious accident with injuries. Most financial advisors recommend at least 100/300/100 in liability limits for households with meaningful assets.
Top Car Insurance Carriers in Pennsylvania
By market share, these carriers write the most policies in Pennsylvania:
- 1State Farm
- 2GEICO
- 3Erie
- 4Progressive
- 5Allstate
Market share doesn't mean cheapest — the carrier with the most customers in your state may not be the one that quotes you the best rate.
What's different about Pennsylvania
Choice no-fault — drivers select tort options at signup. Erie (HQ in Erie, PA) extremely competitive here.
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Premium estimates are based on publicly reported industry averages and are intended as a rough guide. Your actual quote depends on driver record, vehicle, coverage choices, and ZIP code. Quorrio is an independent comparison marketplace, not an insurance company, agent, or broker.