Average Insurance Rates in Pennsylvania (2026)
A data-backed look at what drivers and homeowners pay in Pennsylvania, why costs differ from the national average, and how to save.
2026 auto insurance snapshot — Pennsylvania
2026- System: No-fault — your own PIP pays medical bills regardless of fault.
- Motorcycle liability insurance: required.
- CHOICE NO-FAULT (default AT-FAULT); mandatory First-Party Benefits (MedPay) $5k.
Why Pennsylvania costs what it does
- Philadelphia/Pittsburgh urban congestion
- No-fault choice auto system
- Moderate weather
How to save on insurance in Pennsylvania
- Compare at least three quotes from licensed insurers before purchasing.
- Ask about multi-policy (bundling), good-driver, and home-safety discounts.
- Raise deductibles only if you can afford the out-of-pocket risk.
- Improve your home's resilience (roof, storm shutters) and driving record over time.
Estimate your own rates
Use our free calculators for a personalized estimate based on your profile:
Frequently Asked Questions
How does Pennsylvania compare?
Pennsylvania sits near the national average; Philadelphia-area urban rates run above rural levels.
What is the average auto insurance cost in Pennsylvania?
The 2024 full-coverage average auto premium in Pennsylvania is about $2,078 (NAIC/NerdWallet 2024 state table), which is 10% below the national average of $2,308.
How much is home insurance in Pennsylvania?
The Insurance Information Institute (Triple-I) 2021 average HO-3 premium for Pennsylvania is $1,014. InsurTool estimates the 2026 figure near $1,470 (III 2021 x 1.45 model, not a filed 2026 rate), about 28% below the estimated national average of $2,050.
How can I get a more accurate quote?
Use the free calculators linked below and compare at least three quotes from licensed insurers. Your actual premium depends on your specific home, vehicle, location, and history.
What are the minimum liability limits in Pennsylvania?
The legal minimum in Pennsylvania is 15/30/5 (bodily injury per person / per accident / property damage, in thousands of dollars). Most experts recommend carrying well above the minimum — a serious crash can exceed it quickly.
Is Pennsylvania a no-fault auto insurance state?
Pennsylvania is a no-fault state: your own Personal Injury Protection (PIP) pays your medical bills regardless of who caused the crash.
Sources: Auto — NAIC Auto Insurance Database Report (2023),naic.org. Home — Insurance Information Institute (Triple-I), 2021,iii.org. 2026 home values are InsurTool estimates based on the 2021 figure. Last updated August 2026.
2026 auto snapshot: NerdWallet (2026 average car insurance cost); Compare.com (2026 minimum state requirements); Jerry / Insurance Information Institute (no-fault vs at-fault states); motoinsure.co (2026 motorcycle insurance by state).
Figures are averages for comparison only and do not constitute financial advice. Confirm current rates with a licensed insurer in Pennsylvania.