Pennsylvania Auto Insurance

Pennsylvania auto insurance laws are a little complicated. So it's all the more important that you really understand your coverage.

This guide:

Explains Pennsylvania auto insurance laws and requirements

Describes how Pennsylvania car insurance rates are set

Shows you how to save money with multiple quotes

See How Much You Could Save: Save $300-400 or more with discount rates from all major auto insurance carriers, as well as local companies in Pensylvania. It takes just one minute. Enter your zip code to start: Enter Zip Code Below   Are you insured?     Yes     No

Pennsylvania car insurance laws

Pennsylvania is a "choice no-fault" state, which means that, as a driver, you can choose to insure yourself under the tort system or the no fault system (also called "limited tort").

Under the full tort system, you retain unlimited rights to sue the other party in an auto accident. Under the limited tort system, you can sue for direct expenses, but not for non-economic damages (like "pain and suffering") unless injuries are very serious. Purchasing a policy under the limited tort system will reduce your premium.

In either case, Pennsylvania auto insurance laws require all drivers to carry liability and medical benefits coverages. Pennsylvania liability minimums are 15/30/5. (That's $15,000 per person for injuries you cause to the other party, up to 30,000 for all, and $5,000 for any damage that you cause to the other driver's car and/or property.)

Medical benefits coverage of at least $5,000 is also required by Pennsylvania auto insurance laws. In the event of an accident, this policy will help cover the cost of your injuries, regardless of who was at fault.

Pennsylvania auto insurance companies will also offer optional policies such as uninsured and underinsured motorist, income loss, funeral benefit, extraordinary medical benefits, collision, and comprehensive coverages.

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Pennsylvania residents may be able to save on policy premiums from Electric Insurance. Their policies are available only to better drivers, whose credit and driving records are at least "good".

After you visit ComparisonMarket, get a quote from Electric to see if you qualify.

How Pennsylvania auto insurance rates are set

The price of Pennsylvania auto insurance is decided by the behavior of the state's drivers as a whole. Pennsylvania auto insurance companies take the cost of providing insurance for Pennsylvania drivers (this includes settlements and legal fees) and divide it up among the drivers.

But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all auto insurance providers figure their percentages the same way. This means that they will charge different rates on the same driver.

What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Pennsylvania auto insurance policy. And you don't have to change a thing.

Fortunately,shopping around is easy to do online.

Where to get Pennsylvania auto insurance quotes.

The following web sites will help you find Pennsylvania car insurance quotes: (these links will open in a new window)


ComparisonMarket is the best online insurance shopping service. This is where you'll save the most money, in the least amount of time.

Click here for your quote.

Others:

• Esurance - a national provider of coverage to all drivers. Big savings if you Quote/Buy/Print online!

Electric Insurance a discount insurance provider for good drivers

Netquote is very helpful if you prefer to have a local agent to contact you.

Geico - a great service, especially for those who can't get insured elsewhere. Be sure to complete the entire quote form!

Get a quote using your ZIP Code, Find local and national insurers who offer discounts in your area:

More PA car insurance advice and help

If you want more help designing your PA auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains loads of money-saving tips, too.

To find out more about PA auto insurance laws and regulations, visit the state's official website of the Pennsylvania Insurance Department, or read our short guide to no fault insurance.

Want to learn even more?

Take our quick auto insurance course, and learn the step-by-step to get the most out of your auto insurance policy for the least amount money.

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