Pennsylvania auto insurance averages - $1,154.63 per year in 2023, ranked #23 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Pennsylvania's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,154.63 ▲13.5% | $567 |
| 2022 | $1,017.59 ▲5.2% | $525 |
| 2021 | $967.38 ▼0.8% | $517 |
| 2020 | $975.58 ▼2.0% | $531 |
| 2019 | $995.08 | $550 |
Evidence lead: Year-by-year shape
Pennsylvania's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Year-by-year shape
Pennsylvania has 2 declining annual steps and 2 rising steps in the four comparisons. The latest change is +13.5% from 2022 to 2023; the largest absolute step is +13.5% in 2023. The endpoint result should therefore be read as an uneven sequence, not a steady trend.
Five-year movement
From 2019 to 2023, Pennsylvania changed +16.0%, ranking #34 of 51 for growth in average expenditure. The state moved more slowly than the central cohort. A slower statewide change does not imply a particular resident's renewal was stable; the source tracks an aggregate across the market.
Coverage-component signature
Pennsylvania's most distinctive 2023 component is liability: $567.00, or 14.9% below the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
2023 cost position
Pennsylvania's $1,154.63 average expenditure places it #23 of 51, in the broad middle of the reported jurisdictions. A middle rank does not mean every coverage component is typical: liability, collision, and comprehensive averages can occupy different positions even when the blended expenditure lands near the center.
Moderate registry context
In the linked NAIC-derived registry, Pennsylvania has 5,843 complaints distributed across 46 companies. The two coverage ranks are #35 and #27 of 51, a middle-lower footprint. Read those denominators with the complaint profile itself; neither count is a normalized complaint rate or evidence about why average auto expenditure moved.
Nearest expenditure peers. By average expenditure, Pennsylvania's closest peers in this dataset are Missouri ($1,154.92) and Illinois ($1,153.05), both within a few dollars of Pennsylvania's own $1,154.63.
Note on state comparisons: These averages reflect the mix of coverages purchased in Pennsylvania, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
