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Pennsylvania.
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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.
Sidebar 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".
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.
• 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.
Learn how to save the most money on your next policy with our free insurance course. Learn how to set the right coverage levels, what options to avoid, and the general philosophy of insurance, that will keep you saving for years to come. Sign up here:
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