As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
With over 12 million registered vehicles on the roadways of Pennsylvania, a solid auto insurance policy is essential for Keystone State drivers of all ages and backgrounds.
This guide to Pennsylvania car insurance will get you on the right path to the perfect policy for you and your lifestyle. Compare the cheapest and best quotes in Pennsylvania here.
Cheapest Car Insurance Quotes in Pennsylvania
Here are the cheapest insurance companies in Pennsylvania for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Pennsylvania.
Best Car Insurance in Pennsylvania
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Pennsylvania. For the complete list, see Insurify’s best car insurance companies.
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Most Popular Car Insurance Companies in Pennsylvania
According to the Insurance Information Institute (III), these are the most popular car insurance companies in Pennsylvania by market share:
- State Farm
- Erie Insurance
Cheapest Car Insurance Quotes in Pennsylvania by City
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Pennsylvania to find you the cheapest quotes in each of these metropolitan areas.
Pennsylvania’s most populous city is Philidelphia – home to over 1.5 million people and known as one of the most traffic-laden cities in the country.
Cheapest Car Insurance Quotes in Pennsylvania by Profile
Here are the cheapest insurance companies in Pennsylvania based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. USAA will almost always offer Pennsylvania residents the cheapest auto insurance options, but members must be current or former servicemen and women.
Cheap Car Insurance for Good Drivers
For Pennsylvania drivers with a clean record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Pennsylvania, at $44 a month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets
Cheap Car Insurance for High-Risk Drivers
High-risk drivers in Pennsylvania, including those with one or more traffic violations, may have to pay more on their car insurance premiums. High-risk drivers tend to have higher monthly premiums than the national average. USAA offers the best deal for drivers with a DUI at $32/month. For drivers with at-fault accidents on their driving record, Penn National provides the best option at $23/month. For car owners with a history of speeding, Erie offers the lowest premiums at about $24/month.
Cheap Car Insurance for Drivers with DUI in Pennsylvania
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
Here are the best rates we could find for Pennsylvania drivers with a DUI:
Cheap Car Insurance for Drivers with an At-Fault Accident in Pennsylvania
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness, you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three.
Here are the best rates we could find for drivers with one at-fault accident:
Cheap Car Insurance for Speeding Drivers in Pennsylvania
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game.
The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Pennsylvania, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA Insurance offers the cheapest car insurance rates for young drivers, averaging $20 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
Cheap Car Insurance for Foreign Drivers
To legally drive in Pennsylvania as a non-U.S. citizen, you’ll need to check to make sure you have a few necessary items.
First and foremost, foreign drivers must hold a valid driver’s license from their home country. You’ll also need an International Driving Permit, or IDP. An IDP is not a driver’s license, but simply a translation of your permission to drive in your home country. Both forms of documentation must be present to prove your permission to drive in the United States. IDPs must be obtained in your home country.
In addition to a driver’s license, foreign drivers must purchase car insurance before driving in Pennsylvania. For long-term driving in the States, it will be necessary to purchase traditional car insurance. For the cheapest car insurance options that are personalized to you, use Insurify to compare quotes.
Car Insurance for Drivers with Poor Credit
Unfortunately, it can be challenging to find cheap car insurance in Pennsylvania if you have a poor credit score.
Pennsylvania car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder, meaning they an increase your insurance rates if you have bad credit.
Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing the insurance premiums of bad credit drivers to account for the increased risk. Depending on where you live in Pennsylvania, car insurance premiums fluctuate based on many factors, not just credit score.
Pennsylvania State Insurance Laws
State Minimum Car Insurance Coverage in Pennsylvania
All motor vehicles operated or parked on Pennsylvania roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Pennsylvania are as follows:
- $15,000 per person/$30,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Pennsylvania state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Pennsylvania law.
- $5,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Pennsylvania is $5,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
- $5,000/accident for Medical Benefits (PIP)
The minimum requirements in Pennsylvania include $5,000 first-party benefits towards medical expenses per accident. Insurance companies offer higher limits of up to $100,000 per accident.
Pennsylvania is the only state in the country that requires “first-party benefits coverage.” These benefits act as coverage in an accident regardless of fault.
Optional Supplemental Coverage
Comprehensive coverage and collision coverage pay for repairs to your own when it’s involved in an accident or stolen. Many policies refer to this as “full coverage.” Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.
- Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision.
- Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
Uninsured and underinsured motorist coverage are optional add-ons for drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. Uninsured/underinsured motorist coverage is recommended in the state of Pennsylvania through the forms of:
In addition to MedPay, which is required in Pennsylvania, drivers may also opt into Extraordinary Medical Benefits, ranging from $100,000 to $1,000,000. MedPay covers reasonable medical costs for you or your passengers in the case of injury from an accident. If a car accident results in serious bodily injury, Med Pay can help ease the stress of high medical bills after a hospital visit.
Work Loss Coverage provides individuals and families funding if they are unable to work after an accident due to injury. Work Loss Coverage may be used in conjunction with Short Term Disability coverage.
Accidental Death Benefits provide monetary compensation to the family of a deceased driver or passenger due to a car accident, up to $25,000.
Funeral Benefits can be used to reimburse a family for funeral service costs up to $25,000.
Am I liable if I cause a car accident in Pennsylvania?
Pennsylvania has a no-fault insurance system, meaning drivers are covered in case of an accident regardless of fault. The state also has unique first-party medical benefits, providing coverage to injured victims of car accidents.
As a no-fault car insurance state, Pennsylvania requires all drivers to carry first-party medical benefits. These benefits provide medical coverage for a driver and their passengers in case of an accident, regardless of fault. In a no-fault insurance system, each driver carries their own protection. In the case of an accident, every driver will receive immediate medical treatment provided by their individual coverage.
As a no-fault state, auto insurance companies may offer full tort coverage to drivers. This gives insured drivers the right to sue others for full damages. Limited tort coverage can also be added to a car insurance policy, which may restrict a drivers’ ability to sue for so-called pain and suffering as a result of an accident.
Distracted Driving in Pennsylvania
Using wireless devices while operating a motor vehicle is illegal throughout Pennsylvania.
Pennsylvania prohibits the use of any kind with an Interactive Wireless Communication Device (IWCD). This law forbids drivers from sending, reading, or writing text-based communications while operating a vehicle. IWCDs include cellular phones, digital assistants, smartphones, or any other device capable of instant messages, emails, or internet browsing. The penalty for breaking this primary offense starts with a $50 fine plus court costs and increases with each offense. Using GPS devices or vehicle-integrated technology is not included in this ban. Drivers can still talk on their phones in Pennsylvania.
SR-22 Insurance in Pennsylvania
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Pennsylvania on your behalf. Pennsylvania’s state licensing authority will inform drivers if they require SR-22 insurance. If you’ve been convicted of a DUI, DWI, moving violation, or other serious offense, you may be required to file for an SR-22.
In Pennsylvania, many insurance companies offer to file an SR-22 on your behalf, including Acceptance, Ameriprise, Brethren Mutual, Cumberland, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grange, Grinnell, Infinity, Merchants, National General, Progressive, SafeAuto, Safeco, The General, Titan, and Victoria.
Pennsylvania Auto Insurance FAQs
I have a DUI, will that affect my car insurance premiums?
If you are charged with a DUI or other similar offense in the state of Pennsylvania, your insurance premiums may suffer greatly. Relative to other US states, premiums in Pennsylvania tend to increase less after serious driving infractions. After a DUI, you will lose eligibility to opt into safe or good-driver discounts.
If my friend borrows my car and is involved in a car accident, are damages covered?
If you've given a friend "permissive use" to borrow your car, meaning you've granted them permission to drive your vehicle, and they are involved in an accident, damages should be covered. The percentage of the payout may vary based on your specific policy.
Who has the cheapest car insurance in Pennsylvania?
The best way to get the cheapest car insurance in Pennsylvania and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify.com provides the cheapest car insurance quotes and companies in your area in just a few seconds.
It Pays to Go Green in Pennsylvania
The state of Pennsylvania offers many green driver incentives, including federal tax credits, repair vouchers, and replacement assistance for fuel-efficient vehicles.
Drivers of electric or hybrid vehicles may be eligible for rebates for Hydrogen and/or Fuel Cell (FC) Vehicles, Battery Electric Vehicles (BEV), Natural Gas (CNG) Fueled Vehicles, Propane (LPG) Fueled Vehicles, Plug-In Hybrid Electric Vehicles (PHEV), and Electric Motorcycles.
Pennsylvania DMV Information
With a population nearing 13 million, it’s no wonder the Pennsylvania Department of Transportation and Vehicle Services has DMV locations across the state. Most offices are open weekdays from 9 AM to 5 PM, with some sites offering additional early-morning and weekend hours. Some Pennsylvania Department of Motor Vehicles outposts allows residents to make appointments in advance. Skip the notoriously long lines and waits times by contacting your local DMV ahead of time to see if you can make an appointment.
Pennsylvania residents may be able to skip their visit to the DMV altogether and get what they need through their online portal. REAL ID, vehicle registration, license and identification services, proof of insurance, license plates, and other vehicle services can be accessed online without visiting the DMV at all.
Pennsylvania drivers reap many benefits when it comes to car insurance rates and the state’s laws.
To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. From Pittsburgh to Philly, Pennsylvanian drivers deserve to find the cheapest car insurance available.
Compare Pennsylvania car insurance companies today on Insurify.