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Car Insurance Car Insurance Pa Long Can Go Without Car Insurance Pa ote for car insurance in Pennsylvania, and learn about state-specific coverages and our many cash-saving discounts. Who Has the Cheapest Car Insurance Quotes in Pennsylvania? We studied car insurance quotes across 23 companies in 57 cities in the state to give drivers a feel for the best auto insurance rates in Pennsylvania. Based on our analysis of a benchmark driver, we determined that the average annual premium was $1,644 for their coverage.