Pennsylvania Auto Insurance Rates
Median premium: $842/6mo across 11 carriers and 2,176 ZIP codes.
Premiums range from $723 to $1,289 — a 1.8x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$842
per 6 months
ZIP Codes
2,176
with rate data
Carriers
11
rated in PA
Price Spread
1.8x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Allstate | $540 | 2,176 ZIPs | 100% | |
| 2 | USAA | $577 | 0 ZIPs | 0% | |
| 3 | NJM Insurance | $641 | 0 ZIPs | 0% | |
| 4 | Erie Insurance | $681 | 0 ZIPs | 0% | |
| 5 | State Farm | $738 | 0 ZIPs | 0% | |
| 6 | Progressive | $842 | 0 ZIPs | 0% | |
| 7 | Farmers | $866 | 0 ZIPs | 0% | |
| 8 | Nationwide | $882 | 0 ZIPs | 0% | |
| 9 | Travelers | $898 | 0 ZIPs | 0% | |
| 10 | Liberty Mutual | $922 | 0 ZIPs | 0% | |
| 11 | GEICO | $1,063 | 0 ZIPs | 0% |
1
$540Allstate#1 in 2,176 ZIPs (100%)
2
$577USAA#1 in 0 ZIPs (0%)
3
$641NJM Insurance#1 in 0 ZIPs (0%)
4
$681Erie Insurance#1 in 0 ZIPs (0%)
5
$738State Farm#1 in 0 ZIPs (0%)
6
$842Progressive#1 in 0 ZIPs (0%)
7
$866Farmers#1 in 0 ZIPs (0%)
8
$882Nationwide#1 in 0 ZIPs (0%)
9
$898Travelers#1 in 0 ZIPs (0%)
10
$922Liberty Mutual#1 in 0 ZIPs (0%)
11
$1,063GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Pennsylvania
| City | Avg Median | ZIPs |
|---|---|---|
| Laughlintown | $723 | 1 |
| Leechburg | $723 | 1 |
| Ligonier | $723 | 1 |
| Lowber | $723 | 1 |
| Loyalhanna | $723 | 1 |
Most Expensive Cities in Pennsylvania
| City | Avg Median | ZIPs |
|---|---|---|
| Wynnewood | $1,021 | 1 |
| Wyncote | $1,021 | 1 |
| Woodlyn | $1,021 | 1 |
| Willow Grove | $1,021 | 1 |
| Wallingford | $1,021 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,021/6mo
19194 (Philadelphia)
Cheapest ZIP
$723/6mo
15655 (Laughlintown)
1.8x
Price Spread
The most expensive ZIP in Pennsylvania costs 1.8x more than the cheapest. Your ZIP code matters more than you think.
Pennsylvania Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Pennsylvania
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Access ZIP-level rate data across all 11 carriers, 2,176 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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