Cheap car insurance in PA may be easier to find than in many states.
Of all states and Washington DC, Pennsylvania typically ranks around #41 for the least expensive car insurance. Car insurance quotes PA drivers find online can save hundreds of dollars compared to motorists in neighboring states. All in all, it’s good to live in the Keystone State!
But don’t let your guard down – not all insurers offer the cheap car insurance in PA you want.
With average premiums under $1,300 and minimum car insurance in Pennsylvania costing under $400 a year, motorists have plenty of opportunities to save. Pennsylvania is also unusual in how it structures its insurance.
Along with a handful of states, Pennsylvania is a “no fault” car insurance state. This usually means higher car insurance premiums overall, since drivers normally have to carry Personal Injury Protection (PIP) coverage.
Despite that, Pennsylvania has kept its car insurance costs low. That means lots of benefits with few drawbacks.
How can you save money on Pennsylvania car insurance? Browse these questions the team at Cheap Insurance has answered from Pennsylvania drivers just like you. That’ll make it easier to find the best car insurance deals!
How Much Car Insurance Do You Need in Pennsylvania?
Minimum car insurance in Pennsylvania includes:
- Bodily Injury Liability: $15,000 per person, $30,000 per covered traffic incident
- Property Damage Liability: A flat $5,000
- First Party Benefits: A flat $5,000
First Party Benefits coverage provides for direct medical benefits in case of an accident. It covers some of the issues that usually fall under “Personal Injury Protection” in other no fault states. However, the basic level of coverage is relatively low. You can add more First Party Benefits if you wish.
Insurers are also required to offer you the following optional coverage:
- Uninsured Motorist Coverage: $15,000 per person, $30,000 per covered traffic incident
- Underinsured Motorist Coverage: The same amounts as in Uninsured Motorist coverage
Lots of states combine these policy types into one, so Pennsylvania is a little bit unusual. As a rule of thumb, Uninsured Motorist coverage kicks in if the other driver has no insurance at all. Underinsured Motorist coverage helps you if the other driver’s insurance is not sufficient to cover all accident costs.
How Can You Save Money on Car Insurance in Pennsylvania?
Those eager for cheap car insurance in PA have a few unusual tips and techniques they should know about.
One is Pennsylvania’s special insurance category, Limited Tort.
When you purchase car insurance in Pennsylvania, you will select either Full Tort or Limited Tort. Limited Tort is cheap Pennsylvania car insurance that can save you several dollars a month. In exchange for these savings, you are restricted in whether you can sue another driver for pain and suffering.
If you choose Limited Tort, you are still covered for medical and other expenses related to a car accident. On the other hand, if you choose the more expensive Full Tort, you can sue the other driver for negligence if desired.
No matter which you choose, there are several other ways to save money.
Many car insurance companies help people find cheap car insurance in PA by offering their own discounts. Each insurance brand may provide its own discount options.
Some common car insurance discounts include:
- Discounts for safe drivers who avoid accidents and traffic infractions
- Discounts for those who take a verified “defensive driving” course
- Savings based on your vehicle’s maintenance or safety features
- Affiliation discounts for service members or federal employees
- Multi-policy discounts for having several policies with one insurer
When you compare car insurance quotes PA recognizes, be sure you also get information about discounts!
What Happens if You Don’t Have Car Insurance in Pennsylvania?
Pennsylvania Department of Transportation will not allow you to register a vehicle without proof of insurance. Lapsed auto insurance in Pennsylvania will usually require you to surrender a vehicle’s registration plate and card, as well as your driver’s license, for 90 days. You may able to pay a fine in lieu of registration suspension.
Penalties can be waived for short-term lapses if you can prove the vehicle was not in use.
Insurance companies notify the state when an insurance policy is cancelled. On the other hand, it is the driver’s responsibility to notify the Department of Transportation when a new policy comes into force.
Driving without insurance in Pennsylvania can result in fines as well as suspension of your registration and license. You can face these penalties if you fail to show proof of insurance to an officer – even if you had insurance at the time.
Cheap Insurance makes it easier to find the cheap car insurance in PA you need. Use our website to compare car insurance quotes PA drivers use to save. Have other questions? Call us.
Who has the cheapest car insurance in PA?
Cheap car insurance in PA is offered by dozens of car insurance companies. Naturally, only one of them has the best deal for you at any one time. Instead of sticking with big brands, the best way to save is by comparing car insurance quotes PA drivers like you use to spend less.
Your driving record, vehicle maintenance, zip code, and even your credit score can influence who has the cheapest car insurance in PA for you. Any time one of these factors changes, you might save more when you switch car insurance companies. Just don’t let your insurance lapse!
What is the average cost of car insurance in PA?
The average cost of car insurance in Pennsylvania is under $1,300 yearly. Purchasing full car insurance can mean that you pay more than average. On the other hand, minimum insurance can cost less than $400. For drivers on a budget, that could be the best cheap car insurance in PA.
Even though Pennsylvania is one of the cheapest states to drive a car, car insurance companies raise their rates on a regular basis. To get a good deal on Pennsylvania car insurance, go online to compare car insurance quotes PA drivers prefer. You could end up saving hundreds of dollars.
How much is car insurance in PA a month?
When you’re in the market for cheap car insurance in PA, it’s important to know how much Pennsylvanians pay on average. The average auto insurance premium in Pennsylvania is around $108 per month. However, the lowest cost car insurance in Pennsylvania can cut this in half.
When you browse car insurance quotes PA motorists like most, you may save hundreds of dollars. Pennsylvania drivers who opt for minimum car insurance in Pennsylvania might end up paying around $30 a month for their car insurance. That is a big savings – over $900 every year you can put toward other things.
What is the minimum car insurance in PA?
The minimum car insurance in PA includes $15,000 per person and $30,000 per covered traffic incident in Bodily Injury coverage, plus $5,000 each in Property Damage coverage and First Party Benefits. You have the right to waive any additional Uninsured and Underinsured Motorist coverage that your car insurer will offer you.
Even cheap car insurance in PA must meet these minimum standards to be legal. Read the fine print: Some car insurance quotes PA drivers want to use may reflect the optional coverage amounts. Contact insurers directly to find out how much more you can save by rejecting optional coverage.