Temporary Car Insurance in Pennsylvania: What You Need to Know (2024)

Travelers and Nationwide offer the cheapest average rates for six-month policies.

Choncé Maddox
Written byChoncé Maddox
Choncé Maddox
Choncé Maddox
  • 7+ years writing insurance and personal finance content

  • Certified financial education instructor (CFEI)

Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Amber Benka
Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Updated July 11, 2024

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Cheapest recent rates in Pennsylvania

Recent Pennsylvania car insurance prices for Chevrolet, Hyundai, Mitsubishi , and more.

*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

You may need temporary car insurance if you borrow a car, transport a vehicle from storage, or don’t need to drive for some months of the year. Most insurers don’t offer shorter coverage terms than six months, but you can still find ways to get coverage for less time.

Quick Facts
  • One-day car insurance isn’t legitimate, and you should be wary of companies offering it.

  • The average cost of car insurance in Pennsylvania is $217 a month.

  • Nonowner car insurance is a good option for drivers who need temporary insurance.

Is temporary car insurance available in Pennsylvania?

Most car insurance companies don’t offer car insurance policies for less than a six-month term. If you want car insurance for less than six months, you still have some options to protect your vehicle on the road, including nonowner car insurance, rental car coverage, and canceling your policy early.

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Short-term car insurance in Pennsylvania

Hugo, a relative newcomer in the car insurance market, offers short-term car insurance in Pennsylvania and several other states. Drivers can start and stop insurance coverage at any time, and the company offers policies for as short as three days of coverage.

Additionally, Hugo charges no down payment or up-front fees. Drivers can choose from three levels of coverage that include their state’s minimum requirements or full coverage. Policies are available for three, seven, 14, or 30 days, or six months.

Getting nonowner car insurance in Pennsylvania

Nonowner car insurance is a type of liability insurance that covers bodily injury and property damage to the other vehicle in an accident. Most standard car insurance options include liability and collision coverage, which covers your vehicle after damage caused by an accident or another object, even if you’re at fault.[1]

Comprehensive coverage is another option with standard car insurance policies that covers your car against theft, collisions, fire, flooding, vandalism, and falling objects.[1]

While nonowner car insurance only covers the other driver’s vehicle and bodily injuries, it can be a good option if you borrow a car frequently and need temporary coverage. Nonowner car insurance can offer additional liability if the car owner’s liability coverage is too low to cover an accident.[2]

You can also use nonowner car insurance to avoid a gap in coverage while you’re in between cars. The available terms for nonowner car insurance will vary depending on the insurer. It’s a good idea to shop around and compare quotes to narrow down the best options for your situation.

Canceling your policy early in Pennsylvania

If you’re looking for short-term car insurance, consider buying a standard policy and just canceling it early. Be aware that you may have to pay an early cancellation fee, but this may be cheaper than paying for the policy through the full term.

To cancel your auto insurance policy with most insurers, you’ll need to call the company directly or contact your insurance agent. While some insurers may allow you to cancel online or over the phone, others may require you to sign and submit a cancellation notice. Either way, the process of canceling your policy is simple, and you can cancel at any time.

Even if you cancel your policy, you still must have car insurance if you’ll be driving your vehicle. In Pennsylvania, each insurer must notify the Pennsylvania Department of Transportation (PennDOT) when an insurance policy is canceled.[3] Then, you’re responsible for notifying PennDOT when a new insurance policy is active.

In Pennsylvania, the penalties for driving without car insurance include a minimum $300 fee and a three-month suspension of your license and vehicle registration. Drives must pay an additional fee to reinstate their license and registration.[4]

Learn More: How to Cancel Your Car Insurance

Learn More: How to Cancel Your Car Insurance

Getting car insurance for a rental car in Pennsylvania

When renting a car from a rental company, the company should provide a temporary insurance option during your rental period. But first, be sure to check your own car insurance policy before buying any additional coverage.

If you already have car insurance, your existing coverage and deductibles may extend to a rental car if you have collision or comprehensive coverage.[2] If your personal coverage doesn’t apply, car rental companies must offer liability insurance for purchase for at least the state’s minimum required amount. However, this still may not provide enough protection.

Other auto rental companies offer various coverage options to protect against collisions, theft, vandalism, and other damage. You can either accept or decline this coverage. Some credit cards even have rental car insurance as a card benefit, so check your card details to see what’s included.

In some cases, you may also be asked to sign a loss damage waiver (LDW), which isn’t insurance but a waiver of financial responsibility if your rental car is damaged or stolen. Waivers can provide loss-of-use coverage, allowing the rental car company to charge for the time a damaged car is being fixed and unavailable to other drivers..[2]

Best car insurance companies for short-term car insurance in Pennsylvania

Travelers and Nationwide offer the cheapest average rates for six-month policies. However, your rate may vary based on factors like your driving history, city, and coverage level.

Insurance CompanyAverage Monthly QuoteInsurify Quality (IQ) Score 
Travelers$1154.3
Nationwide$1264.1
National General$1593.2
Clearcover$1733.1
State Auto$1753.8
Direct Auto$1883.2
Midvale Home & Auto$1893.2
Plymouth Rock$196N/A
Safeco$1993.7
Progressive$2134.0
SafeAuto$2203.6
Bristol West$2862.2
The General$2963.4
Dairyland$411N/A
CSAA$4453.5
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Recent Insurify quotes for Pennsylvania drivers

Drivers in and around Pennsylvania have found policies from GEICO, State Farm, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance for students in Pennsylvania

Like every driver in Pennsylvania, students must have car insurance.[3] The minimum-coverage requirements in Pennsylvania are as follows:

  • $15,000 for bodily injury per person

  • $30,000 for bodily injury per accident

  • $5,000 for damage to property of another person

The state requires permanent residents to obtain insurance and register their title and vehicle with the state within 20 days of becoming a resident.[5] However, college students who just moved to Pennsylvania for school and intend to drive their car at college may be able to stay on their parents’ insurance.

Staying on your parents’ policy will depend on the state you and your parents permanently reside in and your insurance company’s policies. If remaining on your parents’ insurance plan isn’t an option, you should consider a Pennsylvania temporary insurance policy for a six-month term to maintain adequate coverage for the semester.

It’s also common for a college student to leave their car at home and not drive while away at school during the year. Some insurance companies provide discounts for college students who attend school at least 100 miles from home and won’t use their vehicle during that time.[6]

Check Out: The Best Car Insurance for College Students

Check Out: The Best Car Insurance for College Students

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Temporary car insurance in Pennsylvania FAQs

Temporary car insurance can be confusing. Below, you’ll find answers to some commonly asked questions about temporary insurance in Pennsylvania.

  • Can you get temporary insurance in Pennsylvania?

    Yes. The standard length of a car insurance policy in Pennsylvania is at least six to 12 months. If you want car insurance for a shorter term, your best option is to buy a six-month policy and cancel it when you no longer need it. Other options include nonowner car insurance and rental insurance.

  • Is temporary car insurance legit?

    Sometimes, but be wary. One-day or one-month car insurance offers are likely not legitimate. But temporary car insurance is available depending on your situation.

    If you’re borrowing a car, you may be able to get nonowner liability insurance. When renting a car, rental companies may offer added coverage for a fee. You can also buy a standard policy and cancel it once you no longer need it.

  • Can you drive a car without insurance if you just bought it in Pennsylvania?

    No. Pennsylvania law requires that drivers have liability insurance for registered vehicles. There’s a short grace period where you may not be penalized for not having insurance, so long as the period is less than 31 days and you haven’t driven the vehicle.[7]

  • How long can you be without car insurance in Pennsylvania?

    You can’t drive without car insurance in Pennsylvania. Drivers who break this law may face penalties such as having their license and registration suspended and even a civil penalty fee of $500. You’ll also have to pay a fee to restore your license and vehicle registration after the suspension period.[3]

Sources

  1. Insurance Information Institute. "What is auto insurance?."
  2. Insurance Information Institute. "Rental car insurance."
  3. Pennsylvania Department of Transportation. "Insurance Overview."
  4. Pennsylvania Department of Transportation. "Penalties for Cancelling."
  5. Commonwealth of Pennsylvania. "Resources for New Residents."
  6. Insurance Information Institute. "Students."
  7. Pennsylvania Department of Transportation. "Fact Sheet - Insurance Law."
Choncé Maddox
Choncé Maddox

Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

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