Pennsylvania Car Insurance

Pennsylvania car insurance operates under a set of no-fault car insurance laws, and all registered vehicles are required to have liability car insurance with minimum levels of 15/30/5. Failure to comply with these laws may result in your vehicle registration being suspended for a three month period, hefty fines, and personal liability for damages. Find Pennsylvania auto insurance coverage now for rates as low as $51/mo. Enter your ZIP code below for free Pennsylvania car insurance quotes.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 24, 2020

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In a nutshell...

  • Pennsylvania operates under a set of no-fault car insurance laws
  • All registered vehicles are required to have liability car insurance with minimum levels of coverage
  • Car insurance covers damage only up to your policy limits and for insured events

Pennsylvania operates under a set of no-fault car insurance laws, and all registered vehicles are required to have liability car insurance with minimum levels of coverage.

The Pennsylvania Department of Transportation sets car insurance laws in Pennsylvania, and failure to comply with these laws may result in your vehicle registration being suspended for a three month period, hefty fines, and personal liability for damages.

Ready to compare car insurance quotes in PA? Enter your zip code above to get started for FREE!

Pennsylvania Car Insurance Requirements

Take a look at how state minimum car insurance rates vary from state to state.

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All vehicles registered in Pennsylvania must maintain vehicle liability insurance to cover any damages or injuries to others in the event of a car accident.

As of 2010, The Pennsylvania Department of Transportation requires at least:

  • $15,000 liability insurance for injury or death (one person)
  • $30,000 liability insurance per accident (all persons)
  • $5,000 of property damage liability insurance

Even with no-fault insurance laws, these minimum liability insurance requirements are much lower than any responsible driver should have.

Car insurance covers damage only up to your policy limits and for insured events. Without the right type of coverage and high enough limits you potentially expose yourself to great personal liability.

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Additional PA Car Insurance Options

Imagine being involved in a car accident with more than $15,000 damage. This is very common considering the price of cars and exorbitant medical costs today.

Let’s take a look at the average monthly car insurance rates.

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While the state of Pennsylvania does require auto insurance, it does not require nearly enough to provide an adequate financial protection in any serious car accident.

Most all Pennsylvania car insurance companies offer much higher limits of coverage, and every driver should seek at least $50,000 to $100,000 in liability insurance.

The cost of adding higher policy limits is quite nominal. You also want to consider different types of coverage such as GAP insurance or medical payments.

What are Pennsylvania no-fault car insurance laws?

Only around 25 percent of states have no-fault car insurance laws, and these laws provide a very efficient way to handle most car accidents.

No one is technically at-fault, so claim handling is much more efficient although the downfall is you have to file a claim even if the accident was not your fault.

From your driving record to the type to your credit score, all auto insurance companies use a risk-based model to evaluate your driving profile and determine how much risk you pose as a driver.

With almost 175 car insurance companies in Pennsylvania, it will be pretty easy to find affordable auto insurance premiums for most drivers.

Let’s take a closer look at how ZIP codes affect car insurance in Pennsylvania.

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Some states have banned discrimination based on gender for car insurance rates, and this is one of those few states. As you can see the rate for males and females is the same, but the rate still varies with age.

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Take a look at these 6 major factors affecting auto insurance rates in Pennsylvania.

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Now let’s see who is the cheapest car insurance company in Pennsylvania.

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Who are the largest car insurance companies in Pennsylvania?

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Even high-risk drivers have many specialized providers such as the General Car Insurance Company to choose from. Whatever you do just always compare car insurance companies as the first quote is hardly ever the best quote.

Compare Pennsylvania Car Insurance Rates Today! Enter your zip code below to get started now!

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly Pennsylvania Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in Pennsylvania
Factors Affecting Car Insurance Rates in Pennsylvania
Pennsylvania Car Insurance Rates by Company vs. State Average
Pennsylvania Car Insurers by Market Share %