PennsylvaniaVehicle The transportation landscape in Pennsylvania is characterised by a diverse range of vehicles, with sport utility vehicles (SUVs) and trucks being particularly prevalent. The state’s roads experience a moderate number of traffic accidents, with speeding being a significant contributing factor. The cost of car insurance in Pennsylvania is affected by a number of factors, including the policyholder’s driving record, credit history and location. It is notable that urban areas such as Philadelphia and Pittsburgh tend to have higher rates.