Pennsylvania vs Texas Car Insurance

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

Quick Verdict

More Affordable

Pennsylvania is $180/yr cheaper on average.

Fewer Uninsured

Pennsylvania has a lower uninsured rate (7.6% vs 14.1%).

Rate & Coverage Comparison

Attribute	Pennsylvania	Texas
Avg Annual Premium	$1,760	$1,940
Min Liability	$580	$640
Full Coverage	$1,760	$1,940
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	7.6%	14.1%
Registered Vehicles	10,662,460	23,899,720
Accidents/Year	159,936	358,495
Population	13,003,000	29,146,000

Minimum Coverage Requirements

Pennsylvania

15/30 / 5 liability

Texas

30/60 / 25 liability

Premium Comparison

Pennsylvania$580 – $1,760

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

Texas$640 – $1,940

Liability: $640Avg: $1,940Full: $1,940

PennsylvaniaFull rates, age breakdown, requirements →TexasFull 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, Pennsylvania or Texas?

Pennsylvania has cheaper car insurance, with an average annual premium of $1,760 compared to $1,940 in Texas - a difference of $180 per year.

How do Pennsylvania and Texas compare on fault systems?

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

What are the minimum insurance requirements in Pennsylvania vs Texas?

Pennsylvania requires 15/30 / 5 liability. Texas requires 30/60 / 25 liability. Minimum liability costs $580/yr in Pennsylvania and $640/yr in Texas.

Which state has more uninsured drivers, Pennsylvania or Texas?

Texas has a higher uninsured driver rate at 14.1%, compared to 7.6% in Pennsylvania. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Pennsylvania vs Texas 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

Pennsylvania

Texas

Avg Annual Premium

$1,760

$1,940

Min Liability

$580

$640

Full Coverage

$1,760

$1,940

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

7.6%

14.1%

Registered Vehicles

10,662,460

23,899,720

Accidents/Year

159,936

358,495

Population

13,003,000

29,146,000