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. 

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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

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Bodily Injury Requirements in Pennsylvania

Bodily injury liability is one of the primary coverages on your auto policy. This limit will pay for the medical expenses of another party when you're found to be at fault for an accident.

If you're a driver in Pennsylvania, you're required to carry at least $15,000 per person and $30,000 per accident in bodily injury liability. In many cases, people opt for higher limits of protection to ensure that they're fully covered.

Property Damage Requirements in Pennsylvania

Property damage liability is another required coverage on most auto policies. This limit helps pay for any property damage you may be responsible for when involved in a car accident.

You'll need the minimum property damage liability limit of $5,000 to comply with Pennsylvania law. As you may know, $5,000 won't get you far when the damage is a total loss. Discussing amounts of property damage liability that would be right for you with a local agent is your best bet.

Medical Payments Coverage Requirements in Pennsylvania

Personal injury protection, or PIP, under your auto policy helps pay for your medical expenses if you get injured in an accident you're responsible for causing. Some states require coverage in order to use the roadways.

In Pennsylvania, you won't be required to have PIP, but you may want to consider a similar coverage called medical payments insurance. This limit does the same thing and can be added to your auto policy for an extra premium. 

Uninsured Motorist Coverage in Pennsylvania

In some states, uninsured motorist coverage is mandatory and can help pay for your loss when you're involved in a collision with an at-fault uninsured driver. While Pennsylvania doesn't require this limit, it's still very necessary to have proper coverage.

Currently, 7.6% of the Pennsylvania driving population is without car insurance. This puts you and your loved ones at risk, which makes uninsured motorist coverage vital. 


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Optional Car Coverage in Pennsylvania

When you're shopping for Pennsylvania car insurance, you'll have options. If you want more protection for your personal vehicles if they get damaged due to an at-fault accident, then collision insurance and comprehensive insurance can help.

There are several other optional coverages you can select when purchasing your auto policy. Roadside assistance can help pay for a tow or flat tire. And rental car coverage can assist in getting a replacement vehicle when you need it most. 

Car Insurance Discounts to Ask Your Agent about in Pennsylvania

You may qualify for car insurance discounts effortlessly. One of the most used savings tactics is to have more than one policy with your carrier, which can cut costs by 30% or more.

If you're part of an association like a teachers union, attorney group, or government agency, you could save another 10%. And getting lower premiums just by being a loyal customer is possible with some carriers, so just ask.

How to File a Car Insurance Claim in Pennsylvania

If you're in the middle of an auto accident, it can be difficult to remember what to do next. To make things super simple, use these 4 easy steps when filing a car insurance claim in Pennsylvania.

First, make sure everyone is safe and medical attention is sought when necessary. Second, report the accident to your independent insurance agent and obtain a claims number. Third, if you have access to a rental vehicle under your policy, use it when you need it. Last, schedule a meeting with your adjuster to go over any damage and injuries for payment.