State profile · PA · CMS + NAIC
Pennsylvania drivers average $1155/yr for auto insurance, ranked #23 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
Pennsylvania runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $1155 a year for auto cover, near the $1191 national average (the 23rd-most-expensive of 51 states), up 16% since 2019.
2019: $995 average expenditure
$995 avg expenditure
2020: $976 average expenditure
$976 avg expenditure
2021: $967 average expenditure
$967 avg expenditure
2022: $1018 average expenditure
$1,018 avg expenditure
2023: $1155 average expenditure
$1,155 avg expenditure
What this shows Pennsylvania drivers' average auto cost rose 16% between 2019 and 2023.
Year over year, Pennsylvania's average auto expenditure rose 13.5% from 2022 to 2023, part of a 16% increase (+$160) since 2019. See the full 5-year state-by-state comparison.
Pennsylvania auto rates in detail →Pennsylvania: $1155/yr average auto expenditure (this state)
$1,155 avg expenditure
Utah: $1169/yr average auto expenditure
$1,169 avg expenditure
Missouri: $1155/yr average auto expenditure
$1,155 avg expenditure
Illinois: $1153/yr average auto expenditure
$1,153 avg expenditure
Washington: $1153/yr average auto expenditure
$1,153 avg expenditure
No issuer-level claim-denial data is reported for Pennsylvania in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
Pennsylvania's 2023 average auto expenditure was $1155, 23rd of 51 jurisdictions by cost and 3.0% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Pennsylvania is one of 12 no-fault auto-insurance states: drivers file injury claims with their own insurer's Personal Injury Protection coverage regardless of who caused the accident, rather than suing the at-fault driver. Pennsylvania's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Pennsylvania's closest peers in PlainInsurer's dataset are Missouri ($1155/yr) and Illinois ($1153/yr) -- both within a few dollars of Pennsylvania's own $1155/yr.
Border comparison. Pennsylvania borders Delaware, Maryland, New Jersey, New York, Ohio, and West Virginia. Pennsylvania's auto costs run higher than 4 of them and lower than 2, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Pennsylvania operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the Pennsylvania Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.