Auto Insurance in Pennsylvania
The average car insurance cost in Pennsylvania is $1,610 per year for full coverage. Pennsylvania requires minimum liability coverage of 15/30/5. The state's uninsured driver rate is 6.8%, which is below the national average of 12.6%.
Top auto insurers in Pennsylvania: State Farm, Erie Insurance, GEICO. We recommend comparing quotes from at least 5 companies, as rates can vary by 50% or more between insurers for the same driver profile.
Home Insurance in Pennsylvania
Homeowners insurance in Pennsylvania averages $1,280 per year for $300,000 in dwelling coverage. This is below the national average of $1,820/year. Rates are influenced by natural disaster risk, construction costs, and local claim frequency in the Northeast region.
Health Insurance in Pennsylvania
The average individual health insurance premium in Pennsylvania is approximately $540/month before subsidies through the ACA marketplace. Many Pennsylvania residents qualify for premium tax credits that reduce this cost to $50-$200/month.
Minimum Insurance Requirements
Pennsylvania requires all drivers to carry minimum liability insurance of 15/30/5. This means: $15,000 per person for bodily injury, $30,000 per accident total for bodily injury, and $5,000 for property damage per accident. While these minimums are legally sufficient, most financial advisors recommend 100/300/100 coverage.
Top Insurance Companies in Pennsylvania
The largest and most popular insurance companies in Pennsylvania include:
- State Farm — Market leader in Pennsylvania
- Erie Insurance — Competitive rates and strong service
- GEICO — Popular choice with good coverage options