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All Pennsylvania drivers need car insurance, according to state law. It can easily cost thousands of dollars per year, but smart drivers can cut this expense by focusing their search on the best car insurance in Pennsylvania. Here's a look at some of the top insurers to consider as well as some key laws and statistics drivers in the state need to know about.
If you've ever wondered, "How much is car insurance in Pennsylvania?" the answer is different for every driver. For example, Nationwide drivers only pay about $1,173 on average. This is based on the profiles of a 35-year-old male driver and 35-year-old female driver with a clean driving record.
Other companies that offer affordable car insurance in Pennsylvania to most drivers include:
State Farm has the cheapest car insurance in Pennsylvania for drivers who have a single accident on their driving record. Its average annual premium is $1,727 per year, far below the state average of $2,927 per year.
Other states with competitive car insurance quotes in Pennsylvania for these drivers are:
USAA stood out for drivers with a single speeding ticket on their record. Those who are eligible for USAA coverage (military members and their families) with a speeding ticket only pay $1,581 per year for Pennsylvania auto insurance.
Close behind were the following two companies:
At $952, senior drivers can score a great rate on Pennsylvania auto insurance with Nationwide.
Older drivers looking for low-cost car insurance may also want to check out the following companies:
Pennsylvania minimum car insurance with USAA carries an average annual premium of $361.
Other companies that offer the cheapest car insurance in Pennsylvania include:
Pennsylvania auto insurance rates average $2,816, almost exactly in line with the national average of $2,875. But actual car insurance rates vary widely depending on the driver, vehicle, and location within the state. Try some of the tips below to score the cheapest car insurance in Pennsylvania.
|AVERAGE RATE CATEGORY||PENNSYLVANIA||NATIONAL AVERAGE|
|1 accident on driving record||$3,362||$3,226|
|1 speeding ticket on driving record||$2,695||$2,840|
Here are some Pennsylvania car insurance laws drivers should be aware of.
In no-fault auto insurance states, each driver carries personal injury protection (PIP). They use this to cover their own medical expenses following an accident, regardless of which driver caused the accident. This is different from at-fault states, where the driver who caused the accident pays for all related medical bills.
Pennsylvania is one of only three choice no-fault states, which means drivers can opt out of the no-fault coverage. This removes any restrictions on their ability to sue the other driver for medical expenses. But it makes insurance more expensive. If they don't opt out, drivers can only sue if the other driver caused serious impairment, disability, or death.
Pennsylvania drivers who operate a motor vehicle without insurance could face the following penalties:
Even the cheapest car insurance in Pennsylvania must include the following coverage:
This pays for another person's medical expenses if the policyholder is found liable for injuring them with their vehicle. Drivers must have at least:
This pays for any damages the policyholder causes to property if they're liable for the accident. Drivers must have at least $5,000 of this type of car insurance coverage.
Medical benefits, also known as personal injury protection (PIP), pay for the policyholder's medical bills following an accident. All drivers must have at least $5,000 of this coverage.
Whether you're trying to score cheap liability car insurance in Pennsylvania or find the best all-around coverage, these tips can help drivers from all backgrounds get a great rate.
Here are a few things drivers should consider when shopping for Pennsylvania auto insurance.
Pennsylvania's minimum coverage, listed above, is lower than what many other states require. It may be enough to cover expenses in a minor accident, but it probably won't be sufficient in an accident involving a major injury or extensive property damage.
It's usually wise to purchase more than the minimum coverage whenever possible. It will bring higher monthly costs, but it can also help you avoid a financial disaster should you be found liable for a serious accident.
Approximately 1 in 51 drivers had a run-in with a deer in Pennsylvania in 2020, according to the Insurance Information Institute. That's the third-most in the nation. You may think your regular Pennsylvania auto insurance would protect you in this scenario, but that's not true.
Drivers need to add comprehensive coverage to their policies if they want their insurer to cover animal-vehicle collisions. Lenders often require this coverage, along with collision coverage, for drivers who have leases or loans on their vehicles.
There's no single, set price for auto insurance in Pennsylvania, but the average rate is $2,816. How much you pay depends on factors like:
If you have a clean driving record, auto insurance in the state is not particularly expensive. In fact, it's right in the line with the national rate.
Several Pennsylvania auto insurers offer minimum coverage (liability only) for $400 or less per year.
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The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only — your own quotes may be different.
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