How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost

Pennsylvania Car Insurance FAQ - Quick Answers

The average cost of car insurance in Pennsylvania is $1,304 per year, which is slightly lower than the national figure of $1,311 annually. However, keep in mind that you won't know your exact costs until you obtain quotes from a licensed professional. 

Yes, car insurance is mandatory at the following minimum limits according to Pennsylvania law:

  • $15,000 in bodily injury liability per person
  • $30,000 in bodily injury liability per accident
  • $5,000 in property damage liability

Every Pennsylvania car insurance policy will be different, but commonly used limits are listed below: 

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical Payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
  • Collision: Pays for costs associated with a collision with another vehicle, animal, or property.

In Pennsylvania, 7.6% of the drivers out on the road are without car insurance. This is where uninsured motorist coverage can help by paying for your loss when involved in a collision with an at-fault uninsured driver.

When searching for the best car insurance policy, there are a lot of factors to consider. In Pennsylvania, Stillwater, Travelers, Nationwide, and Safeco insurance companies are highly rated. This is due to their superior customer service, claims handling, and broad coverage options.

In Pennsylvania, car insurance follows the car. This means that if you lend your vehicle to an uninsured driver, in most cases your auto policy will foot the bill, but there are some exceptions. Discuss scenarios with your trusted adviser. 

Yes. Pennsylvania is a no-fault car insurance state. This means that no matter who's responsible for the accident, each individual's auto policy will apply first. 

Do You Know What Your Car Insurance Covers in Pennsylvania?

Find the Best Car Insurance in Your City