Arizona vs Pennsylvania Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Pennsylvania is $110/yr cheaper on average.

Fewer Uninsured

Pennsylvania has a lower uninsured rate (7.6% vs 11.8%).

Rate & Coverage Comparison

Attribute	Arizona	Pennsylvania
Avg Annual Premium	$1,870	$1,760
Min Liability	$620	$580
Full Coverage	$1,870	$1,760
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.8%	7.6%
Registered Vehicles	5,968,780	10,662,460
Accidents/Year	89,531	159,936
Population	7,279,000	13,003,000

Minimum Coverage Requirements

Arizona

25/50 / 15 liability

Pennsylvania

15/30 / 5 liability

Premium Comparison

Arizona$620 – $1,870

Liability: $620Avg: $1,870Full: $1,870

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

ArizonaFull rates, age breakdown, requirements →PennsylvaniaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Arizona or Pennsylvania?

Pennsylvania has cheaper car insurance, with an average annual premium of $1,760 compared to $1,870 in Arizona - a difference of $110 per year.

How do Arizona and Pennsylvania compare on fault systems?

Arizona uses a at-fault (tort) system while Pennsylvania uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Arizona vs Pennsylvania?

Arizona requires 25/50 / 15 liability. Pennsylvania requires 15/30 / 5 liability. Minimum liability costs $620/yr in Arizona and $580/yr in Pennsylvania.

Which state has more uninsured drivers, Arizona or Pennsylvania?

Arizona has a higher uninsured driver rate at 11.8%, compared to 7.6% in Pennsylvania. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arizona vs Pennsylvania insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Arizona

Pennsylvania

Avg Annual Premium

$1,870

$1,760

Min Liability

$620

$580

Full Coverage

$1,870

$1,760

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.8%

7.6%

Registered Vehicles

5,968,780

10,662,460

Accidents/Year

89,531

159,936

Population

7,279,000

13,003,000