The average annual cost of car insurance in Pennsylvania is $1,476, which is lower than the national average of $1,674. Several factors impact insurance rates, such as age, gender, marital status, credit score, and zip code.

Even one claim on your record could result in a premium increase of up to 50%. Insurance rates also differ by zip code due to varying risk factors like theft, vandalism, and other incidents, meaning drivers may face different rates depending on their location.