Pennsylvania Auto Insurance (2026): $106/mo NAIC baseline, current filings 10-25% higher
Pennsylvania auto insurance averages $106/mo per NAIC 2023 published data — the most recent state-aggregate baseline. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. No new Pennsylvania auto filings have been recorded in the past 30 days.
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Why rates in Pennsylvania look the way they do
Pennsylvania is one of only two states (with NJ) offering a tort election — “limited tort” can save 15-25% on premium but waives most pain-and-suffering claims unless the injury crosses the law’s threshold.
Pennsylvania offers consumers a choice between full-tort and limited-tort options on auto policies; limited tort waives most pain-and-suffering claims in exchange for a lower premium.
A few state-specific dynamics worth knowing:
- Tort election: choosing limited tort waives pain-and-suffering claims below the statutory threshold.
- Erie Insurance is a top-5 carrier statewide; rare for a regional carrier to compete at that scale.
Best Pennsylvania auto insurance by driver profile
The “best” auto carrier in Pennsylvania depends on your specific profile. Below is how we route the top-rated carriers based on profile signals, using 0 recent filings + the 2023 NAIC baseline.
Best for low-rate shoppers in Pennsylvania: Geico (most recent filed baseline ranks lowest). Get an actual quote in 60 seconds with Sage.
Best for high-asset households in Pennsylvania: USAA (members only) and Travelers offer higher-limit options most carriers do not write at scale. For households above $500K in assets, Sage routes to umbrella-eligible carriers first.
Best for drivers with claims history or SR22 needs in Pennsylvania: Progressive and The General specialize in nonstandard auto in this state. These carriers write profiles other carriers decline.
Best for younger drivers (under 25) in Pennsylvania: Geico and State Farm typically file the lowest under-25 rates after the parent-policy discount is applied.
Pennsylvania auto insurance — what affects your rate
Pennsylvania offers consumers a choice between full-tort and limited-tort options on auto policies; limited tort waives most pain-and-suffering claims in exchange for a lower premium.
The four factors that drive your specific rate the most: ZIP code (theft + claim density), age (under 25 and over 70 pay materially more), vehicle (repair-cost class and theft rate), and driving record (one at-fault accident or moving violation typically lifts a rate 20-40%).
Minimum auto insurance required in Pennsylvania
$15,000 BI per person / $30,000 per accident / $5,000 PD (15/30/5). Pennsylvania offers a “limited tort” election that lowers premiums but waives most pain-and-suffering claims.
Frequently asked: Pennsylvania auto insurance
How much does auto insurance cost in Pennsylvania?
The 2023 NAIC published average is $1,273/year (about $106/mo). Recent carrier filings suggest current rates run 10-25% above this baseline; the table above shows the actual filed numbers. Your specific quote depends on your ZIP, age, vehicle, driving record, and credit (where credit-based scoring is permitted).
Why are Pennsylvania auto insurance rates what they are?
Pennsylvania offers consumers a choice between full-tort and limited-tort options on auto policies; limited tort waives most pain-and-suffering claims in exchange for a lower premium.
How can I lower my Pennsylvania auto insurance bill?
The single biggest lever is comparing quotes across carriers — rate differences for the same profile commonly run 30-50%. The table above shows where carriers currently file baseline rates; your actual quote may rank carriers differently. Use Sage to get personalized quotes in 60 seconds: Start Sage
How PolicyChat sources this data
PolicyChat Rate Authority aggregates three public + licensed sources, with per-record provenance. Every row above can be traced to its source filing or partner-feed quote.
- State Department of Insurance / SERFF filings — public rate filings. PolicyChat Rate Authority pulls daily; filings appear within days of carrier submission.
- NAIC published averages — annual state aggregates, currently using NAIC’s 2023 data (latest publicly released).
- Licensed partner feeds (EverQuote, LendingTree) — real-time per-profile quotes pulled when a user walks through Sage.
Methodology: /methodology/rate-authority/
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