To help you find the best auto insurance company for your car, we’re taking a look at the Keystone State to answer all of your questions about Pennsylvania car insurance quotes. Read on to find out about state minimum car insurance requirements and how to find the best rates.
Whenever you’re shopping for affordable car insurance, we recommend getting quotes from multiple providers and comparing them to be sure you’re getting coverage for the best possible price, as many factors can impact your car insurance quote. To help you make a more educated decision, our review team evaluated 30 of the best auto insurance providers based on financial strength, availability, customer service, cost and discounts, coverage, and technology. Read our review of the best car insurance companies to learn more about our top picks.
Enter your zip code in the form below to compare best Pennsylvania car insurance quotes. For an even easier process, you can call our team at (844) 246-8209 to get free, personalized quotes seven days a week.
In this article:
- Pennsylvania Car Insurance Minimum Requirements
- Factors That Affect Car Insurance Quotes In PA
- What Is The Average Cost Of Car Insurance In PA?
- Cheap Liability Coverage In Pennsylvania
- What If I Can’t Afford The Minimum Insurance In PA?
- Recommendations For Car Insurance Quotes In PA
Pennsylvania Car Insurance Minimum Requirements
Whether you’re chanting the Eagles fight song at the Linc or stopping by Tony Luke’s for a classic Philly cheesesteak “whiz wit,” you’ll want a good insurance policy to drive safely around Pennsylvania.
Each state has a different minimum requirements when it comes to the amount of car insurance drivers must carry. Pennsylvania car insurance requires 15/30/5, meaning motorists must have at least:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability per person
Drivers in Pennsylvania are also required to have $5,000 in personal injury protection (PIP). Beyond these minimum coverage limits, you can also get collision insurance, comprehensive car insurance, medical payments (MedPay), and uninsured/underinsured motorist coverage (UM/UIM).
Factors That Affect Car Insurance Quotes In PA
A variety of information goes into determining your auto insurance premium, including personal information and details about your vehicle. To get a quote in PA, you’ll likely need the following information on hand:
- Your age, gender, and marital status
- Your driving record
- Annual miles driven
- Vehicle identification number (VIN)
- Vehicle year, make, and model
- Your location
Pennsylvania is a no-fault state, which means that your own insurer will help pay your medical expenses no matter who was at fault in a car accident. You can choose a limited right to recover damages or full right to recover damages.
With limited right to recover damages, your premium will be lower, but you also won’t be able to sue for any expenses resulting from an accident plus pain and suffering. Selecting the full right option increases your premium but also allows you more flexibility if you choose to sue after an accident.
What Is The Average Cost Of Car Insurance In PA?
The average cost of car insurance in Pennsylvania was $961.40 in 2017, according to the National Association of Insurance Commissioners (NAIC). That was slightly lower than the national average expenditure of $1,004.68.
Here’s a closer look at the cost of liability, collision, and comprehensive auto insurance in Pennsylvania:
|Type of Insurance||Average Premium in 2017|
|Total average expenditure||$961.40|
*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.
Your own rate for car insurance quotes in PA could be higher or lower depending on a number of factors. To get quotes from providers available in PA, call (844) 246-8209 or use the tool below to search your zip code:
Cheap Liability Coverage In Pennsylvania
It’s possible to get cheap car insurance in Pennsylvania. Ask your insurance provider to check if you qualify for any discounts that could save you money, and try increasing your deductible to get a lower premium on car insurance quotes in PA.
Drivers with a history of safe driving typically have less expensive premiums than other drivers who have a checkered history that includes speeding tickets, at-fault accidents, or DUIs. Safe drivers could also qualify for safe driver discounts through their insurance provider.
It’s also a good idea to work toward increasing your credit score. Drivers with low credit tend to file more claims than drivers with high credit, according to data from the Federal Trade Commission. This means that insurance companies may give drivers with poor credit a higher premium.
What If I Can’t Afford The Minimum Insurance In PA?
If you are stopped while driving in PA and you are unable to provide proof of insurance, you could face the following penalties and fines:
- A minimum $300 fine
- A three-month suspension of your vehicle registration, plus a restoration fee after the three-month time period to get your registration reinstated
- A three-month suspension of your driver’s license, plus a restoration fee to get your driver’s license back
- Vehicle impoundment
Your car will not be able to be driven by anyone during the three months that its registration is suspended.
Recommendations For Car Insurance Quotes In PA
If you’re a Pennsylvania motorist looking for the best deals, you’ll want to get quotes from multiple providers to make sure you’re getting the best price. We recommend considering the following providers for car insurance quotes in PA. To learn more, check out our full article on the best Pennsylvania car insurance.
|Best Pennsylvania Car Insurance||Motor1 Rating||Customer Service||Affordability||Coverage|
*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for car insurance in Pennsylvania.
Best Pennsylvania Car Insurance Provider: Erie Insurance
Our top recommended provider for Pennsylvania car insurance is Erie insurance because of its low rates. Erie offers comprehensive and customizable coverage options with very positive customer reported customer experiences. Additional coverage options include rate lock, diminishing deductibles, accident forgiveness, pet injury coverage, new car protection, better car protection, and rental car coverage.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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