McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Car insurance for a new driver in Pennsylvania costs an average of $852 per year to $2,642 per year. Auto insurance premiums for new drivers in Pennsylvania vary widely depending on a driver's age and whether they are being added to an existing policy or purchasing their own. For example, the premium increase from adding a teenager to a parent's policy is significantly less than the cost of a teenager getting their own policy.
Average Cost of Car Insurance for New Drivers in Pennsylvania
Company | Monthly Cost | Annual Cost |
$86 per month | $1,035 per year | |
$96 per month | $1,148 per year | |
$100 per month | $1,198 per year | |
$122 per month | $1,467 per year | |
$123 per month | $1,473 per year |
Note: Premiums are representative of a 16-year-old good driver with a minimum coverage policy; individual premiums will vary.
New drivers aren't only teens and those in their early 20's. A new driver could be an adult who got their license later in life, a recent immigrant, or anyone who has a long gap in their driving or insurance history. For these types of new drivers in Pennsylvania, insurance rates will still likely be higher than the average of $51 per month per month for an experienced adult.
A new driver's lack of experience can classify them as high risk. Once new drivers get a bit more practice and have a proven track record of safe driving, however, they'll begin to see their rates decrease.
To learn more about minimizing the cost of car insurance in Pennsylvania, check out WalletHub's picks for the cheapest Pennsylvania car insurance companies.
People also ask
What car insurance discounts are available in Pennsylvania?
You can get car insurance discounts in Pennsylvania based on how you drive, the car you own, and your relationship with your insurance company. In Pennsylvania, car insurance companies are allowed to consider factors such as employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.
Almost anyone can get a discount on car insurance...
read full answer by Anamarie Waite, Car Insurance WriterHow much car insurance do I need in Pennsylvania?
Pennsylvania law requires you to have $15,000 in coverage for one person’s bodily injury or death, up to $30,000 total per accident, and $5,000 in coverage for other people’s property damage when you are at fault. Pennsylvania also requires medical benefits insurance.
How Much Car Insurance Drivers Need in Pennsylvania
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | ... |
How much is insurance for a new driver?
Car insurance costs an average of $2,317 per year for a new driver who gets their own minimum coverage policy. The exact cost of a policy will depend on several factors including age, location, driving record and coverage limits.
It’s important to note that the cost of insurance will be different for a newly licensed teenager than someone getting their driver’s license later in life. Typically, teenagers will pay more for insurance than someone in their...
read full answer by Merrill Burchell, Car Insurance WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.