Candace Baker, Car Insurance Writer
@candacebaker
The city in Pennsylvania with the least expensive auto insurance premiums is State College, which has an average annual premium of $963 per year. By comparison, the average cost of car insurance in Pennsylvania overall is $1,187 per year.
Cheapest Cities for Car Insurance in Pennsylvania
- State College: $963 per year
- Carlisle: $1,035 per year
- Chambersburg: $1,039 per year
- Williamsport: $1,045 per year
Some cities in Pennsylvania have cheaper car insurance premiums than others because insurance companies take a driver's ZIP code into account when calculating their premium, alongside other factors. For example, drivers who live in dense urban areas typically pay more for coverage than drivers in rural areas because they're more likely to get into an accident. And if an area has a particularly high theft rate, car insurance may be more expensive due to the risk of vehicles being stolen.
To learn more, check out WalletHub's guide to the cheapest car insurance in Pennsylvania.
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