Pennsylvania is known for its scenery and culture. It offers outdoor fun and excellent health care, all for a low cost of living.
However, if you own a vehicle, you’ll need car insurance, which can be a huge expense. You’ll want to find auto insurance at the best price possible.
It can be challenging to find cheap car insurance on your own. It takes a lot of time and effort to research the prices of car insurance providers in Pennsylvania. Fortunately, Cheap Insurance can help. Get a free quote today!
Quick Pennsylvania Car Insurance Facts
- Pennsylvania has a minimum coverage requirement known as the 15/30/5 rule.
- The average cost of minimum liability auto insurance in Pennsylvania is $427 per year.
- Full car insurance coverage in the state costs an average of $1,476 per year.
- Those over age 60 tend to pay the least.
- Pennsylvania is a no-fault state.
Minimum Pennsylvania Car Insurance Coverage
Information about car insurance coverage requirements in Pennsylvania can be found on the state’s Department of Motor Vehicles website.
Pennsylvania requires minimum insurance for bodily injury and property damage liability. Drivers are required to carry at least the following auto insurance coverages:
- Property damage: $5,000 coverage for a single accident
- Bodily injury/death: $15,000 for bodily injury or death for one person, $30,000 for death for two or more people
- Medical benefits: $5,000 minimum coverage
Getting Cheap Car Insurance In Pennsylvania
Getting cheap car insurance in Pennsylvania doesn’t have to be too difficult. Here are some tips and tricks to finding great car insurance that won’t break your budget:
- Compare car insurance providers. There’s no need to research each car insurance company out there. Use a site such as Cheap Insurance to quickly get quotes from multiple companies.
- Drive less. Many companies offer discounts when you drive below the average amount, which is roughly 15,000 miles per year.
- Improve your credit score. Better credit results in better rates on pretty much everything, and car insurance is no exception. That’s because those with good credit tend to make fewer insurance claims.
Pennsylvania Car Insurance Discounts
Car insurance coverage can be expensive, but there are some ways to save. Here are some discounts you might qualify for in Pennsylvania:
- Good Driver: If you have a clean driving history with no claims, you can save up to 30%.
- Good Student: Young drivers with at least a B average can save up to 20%.
- Age: Those over age 50 who complete an approved driver’s education course can save as much as 10%.
- Safety Features: Driving a vehicle with safety features, such as airbags and anti-lock brakes, can save you as much as 30%.
What is the average car insurance cost in Pennsylvania?
The average cost for full car insurance coverage in Pennsylvania is $1,476 per year.
How much is car insurance per month in Pennsylvania?
The average cost for full car insurance coverage in Pennsylvania is approximately $123 per month.
What is the penalty for driving without insurance in Pennsylvania?
You will have to pay a minimum fine of $300. Your driver’s license and vehicle registration could be suspended for three months, and you will need to pay fees to restore them.
What is driving like in Pennsylvania?
Driving in the state can be challenging due to the mix of urban and rural roads. Plus, you may encounter Amish drivers in horses and buggies, which can slow you down. Approximately 7% of motorists in Pennsylvania are uninsured.
How can I save money on my car insurance policy in Pennsylvania?
There are several ways to get cheap car insurance:
- Stay safe and avoid accidents, which can drive up your premiums.
- Ask about multi-car discounts if you are insuring more than one vehicle.
- Ask about discounts for car safety features.
Other Types of Coverage
Besides the minimum requirements, there are other types of car insurance coverages you may want to consider if you live in Pennsylvania:
Uninsured Motorist Coverage (UMC)/Underinsured Motorist Coverage (UIM)
This coverage protects you if you are injured by an uninsured motorist. It also covers hit and run accidents.
Medical Payments Coverage
A minimum of $5,000 is required in Pennsylvania to cover your medical bills and those of others on your policy. Higher limits are also offered.
Physical Damage Coverage
This protects your vehicle against any physical damage. There is collision coverage, which pays for damages to your vehicle if you hit another vehicle or object. Comprehensive coverage protects your vehicle against non-collision damages, such as theft, animals, and weather-related issues.
Additional Kinds of Coverage
Pennsylvania also offers first party benefits, which include medical payments, work loss coverage, accidental death benefits, and funeral benefits. You can opt for one or more of these coverages.
Endorsements and Riders
Towing and road service: This provides coverage for breakdowns. Coverage varies but may include gas, flat tires, and tow trucks.
Rental car reimbursement: This coverage reimburses you for expenses related to car rental when you are unable to drive your vehicle.
Gap insurance: This insurance is helpful if you are paying on an auto loan. It covers the difference between the value of your car and the amount you still owe.
Cities We Cover In Pennsylvania
Looking for cheap car insurance in Pennsylvania? We cover these cities in the state:
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