Best and Cheapest Car Insurance in Pennsylvania (Save Money With These 10 Companies in 2024)
The top providers for the best and cheapest car insurance in Pennsylvania are Geico, USAA and State Farm, offering affordbale and competitive rates. To gain further insights, consult our comprehensive guide titled "Ways To Get Cheap Car Insurance."
This comprehensive guide helps you navigate through the myriad of options, providing detailed reviews and rankings based on thousands of unbiased customer reviews.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | $23 | A++ | Lowest Rates | Geico |
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#2 | $30 | A++ | Military Benefits | USAA |
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#3 | $38 | B | Customer Service | State Farm |
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#4 | $49 | A++ | Safety Features | Travelers |
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#5 | $50 | A+ | Loyalty Programs | Progressive |
 |
#6 | $54 | A | Claim Rates | American Family |
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#7 | $56 | A+ | Deductible Options | Nationwide |
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#8 | $57 | A | Additional Discounts | Farmers |
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#9 | $71 | A | Quick Claims | Liberty Mutual |
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#10 | $78 | A+ | Safe-Driving Discounts | Allstate |
Whether you are a teen driver, a married couple, or a senior, our analysis covers the best rates and coverage options tailored to your needs, ensuring you make an informed decision for your vehicle protection.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool above to instantly compare quotes near you.
What You Should Know
- Discover the best and cheapest car insurance in Pennsylvania with rates from $23/month
- Find tailored options for teen drivers, married couples, and seniors in Pennsylvania
- Geico is the top pick for affordable and comprehensive car insurance coverage
On this page:
- Geico: Top Overall Pick
- USAA: Best for Military Benefits
- State Farm: Best for Customer Service
- Travelers: Best for Safety Features
- Progressive: Best for Loyalty Programs
- American Family: Best for Claim Rates
- Nationwide: Best for Deductible Options
- Farmers: Best for Additional Discounts
- Liberty Mutual: Best for Quick Claims
- Allstate: Best for Safe-Driving Discounts
- Car Insurance Costs Comparison in Pennsylvania
- Best Teen Car Insurance Rates in Pennsylvania
- Best Car Insurance Rates for a Married Couple in Pennsylvania
- Best Senior Car Insurance Rates in Pennsylvania
- Cheapest Areas in Pennsylvania for Car Insurance
- Most Expensive Areas in Pennsylvania for Car Insurance
- Minimum Car Insurance Coverage Requirements and Limits in Pennsylvania
- Pennsylvania’s Uninsured Motorist Percentage
- Understanding Car Insurance Rate Calculation in Pennsylvania
- Save Money on Your Car Insurance in Pennsylvania
- Understanding Clearsurance's Ratings and Rankings for Pennsylvania's Top Car Insurance Companies
- Navigating the Best and Cheapest Car Insurance in Pennsylvania
#1 – Geico: Top Overall Pick
Pros
- Affordable Rates: Geico offers some of the best and cheapest car insurance in Pennsylvania, making it a top choice for budget-conscious drivers.
- User-Friendly App: Their mobile app is highly rated for ease of use, allowing Pennsylvania drivers to manage their policies easily. For a comprehensive analysis, refer to our detailed guide titled "Will My Insurance Policy Cover My Claim."
- Wide Range of Discounts: Geico provides numerous discounts, including for safe driving, multi-policy, and vehicle safety features, benefiting Pennsylvania residents.
Cons
- Higher Rates for High-Risk Drivers: Geico may charge higher premiums for high-risk drivers in Pennsylvania.
- Limited Local Agents: Fewer local agents in Pennsylvania might mean less personalized service for some customers.
#2 – USAA: Best for Military Benefits
Pros
- Competitive Rates for Military Members: USAA offers some of the best and cheapest car insurance rates in Pennsylvania for military members and their families.
- Excellent Customer Service: USAA is renowned for its top-notch customer service, highly beneficial for Pennsylvania residents.
- Comprehensive Coverage Options: USAA customer reviews highlight the variety of coverage options available, designed to cater to the diverse needs of drivers in Pennsylvania.
Cons
- Eligibility Restrictions: USAA's insurance is limited to military members and their families, excluding many potential customers in Pennsylvania.
- Limited Local Presence: USAA has fewer physical offices, which might be inconvenient for Pennsylvania drivers preferring face-to-face interactions.
#3 – State Farm: Best for Customer Service
Pros
- Extensive Agent Network: State Farm insurance customer reviews highlight that numerous local agents provide personalized service to customers in Pennsylvania.
- Excellent Customer Service: High satisfaction ratings among Pennsylvania policyholders for prompt and helpful customer support.
- Comprehensive Coverage Options: Provides a wide range of coverage options to meet the diverse needs of Pennsylvania drivers.
Cons
- Higher Premiums for Young Drivers: Teen drivers in Pennsylvania may find higher rates compared to other insurers.
- Rate Increases: Some Pennsylvania policyholders have reported unexpected rate increases after the first year.
#4 – Travelers: Best for Safety Features
Pros
- Competitive Pricing: Travelers offers some of the best and cheapest car insurance in Pennsylvania with attractive rates.
- Customizable Policies: Travelers Companies, Inc. customer reviews indicate that Pennsylvania drivers can customize their coverage to match their unique needs and preferences.
- Strong Digital Tools: Easy-to-use mobile app and online tools for Pennsylvania customers to manage policies and claims.
Cons
- Limited Local Agents: Fewer local agents in Pennsylvania compared to larger insurers, which may affect personalized service.
- Complex Policy Options: Some Pennsylvania customers may find the variety of coverage options overwhelming.
#5 – Progressive: Best for Loyalty Programs
Pros
- Affordable Rates: Progressive insurance customer reviews highlight some of the best and most affordable car insurance options in Pennsylvania, known for their competitive pricing.
- Comprehensive Coverage: Provides a wide range of coverage options tailored to Pennsylvania drivers.
- Discounts: Offers multiple discounts, including multi-policy and safe driver discounts, making insurance more affordable.
Cons
- Price Increases: Some customers in Pennsylvania report unexpected rate hikes.
- Coverage Limitations: Certain coverages may have limitations or exclusions not clearly communicated.
#6 – American Family: Best for Claim Rates
Pros
- Competitive Pricing: Known for offering some of the best and cheapest car insurance rates in Pennsylvania.
- Customizable Policies: American Family insurance customer ratings highlight highly customizable policies tailored to meet the unique needs of Pennsylvania drivers.
- Discount Opportunities: Provides numerous discounts, including loyalty and defensive driving discounts.
Cons
- Limited Availability: Not all coverage options are available in all areas of Pennsylvania.
- Premiums: Some policyholders report higher premiums compared to initial quotes.
#7 – Nationwide: Best for Deductible Options
Pros
- Competitive Rates: Nationwide offers some of the best and cheapest car insurance rates in Pennsylvania.
- Comprehensive Coverage Options: Extensive coverage options, including accident forgiveness and vanishing deductible.
- Strong Customer Service: Nationwide customer reviews highlight excellent satisfaction and efficient claims processing in Pennsylvania.
Cons
- Higher Premiums for High-Risk Drivers: Rates can be higher for drivers with poor driving records in Pennsylvania.
- Strict Eligibility Requirements: Some discounts and coverage options have strict eligibility criteria.
#8 – Farmers: Best for Additional Discounts
Pros
- Customizable Policies: Farmers insurance customer reviews highlight the company's ability to offer highly customizable insurance policies tailored to specific needs in Pennsylvania.
- Strong Financial Stability: Rated highly for financial stability, ensuring reliable claim payouts in Pennsylvania.
- Good Discounts: Variety of discounts available, including multi-car and good student discounts.
Cons
- Limited Online Tools: Fewer online tools and resources for managing policies compared to other insurers.
- Complex Discount Eligibility: Discount eligibility requirements can be complex and hard to understand.
#9 – Liberty Mutual: Best for Quick Claims
Pros
- Customizable Coverage: Liberty Mutual offers a wide range of customizable policies tailored to the specific needs of Pennsylvania drivers.
- Better Car Replacement: In the event of a total loss, Liberty Mutual provides a better car replacement, giving peace of mind to Pennsylvania motorists.
- Local Agents: Liberty Mutual insurance customer reviews highlight the advantage of a robust network of local agents in Pennsylvania, offering personalized service and support.
Cons
- Higher Premiums: Liberty Mutual's premiums can be higher than some competitors, which might be a concern for cost-sensitive Pennsylvania drivers.
- Limited Availability of Some Discounts: Not all discounts are available in every part of Pennsylvania, limiting potential savings for some drivers.
#10 – Allstate: Best for Safe-Driving Discounts
Pros
- Comprehensive Coverage Options: Allstate customer reviews highlight the comprehensive coverage options available, allowing Pennsylvania drivers to find policies that suit their specific needs.
- Strong Financial Stability: Allstate's strong financial standing provides reliability and trust for Pennsylvania policyholders.
- Local Presence: Allstate has a robust network of local agents across Pennsylvania, offering personalized service and local expertise.
Cons
- Limited Discount Options: Compared to other insurers, Allstate may offer fewer discount opportunities, potentially affecting Pennsylvania drivers looking to save.
- Mixed Customer Service Experiences: Some Pennsylvania customers have reported variability in customer service quality, which can impact overall satisfaction.
Car Insurance Costs Comparison in Pennsylvania
When it comes to choosing car insurance, understanding the costs for minimum and full coverage from different providers is essential. This table provides a detailed comparison of insurance premiums from various companies in Pennsylvania. For additional details, explore our comprehensive resource titled "How does my credit score affect my insurance premium?"
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $78 | $148 |
| American Family | $54 | $108 |
| Farmers | $57 | $131 |
| Geico | $23 | $68 |
| Liberty Mutual | $71 | $219 |
| Nationwide | $56 | $86 |
| Progressive | $50 | $148 |
| State Farm | $38 | $76 |
| Travelers | $49 | $75 |
| USAA | $30 | $57 |
This table compares the minimum and full coverage costs for various insurance companies. Geico offers the most affordable minimum coverage at $23, while Liberty Mutual has the highest at $71. For full coverage, USAA is the cheapest at $57, and Liberty Mutual again is the most expensive at $219. Other notable mentions include Allstate and Progressive, both charging $148 for full coverage, and State Farm and Travelers offering competitive rates for both minimum and full coverage. This data helps in evaluating and comparing the insurance options available from different providers.
Explore a variety of car insurance discounts offered by leading providers in Pennsylvania. This comprehensive table highlights available discounts from each company, helping you save on premiums through multi-policy bundles, safe driving, vehicle safety features, and more. Find the best discounts to fit your needs and start saving on car insurance today.
Best Teen Car Insurance Rates in Pennsylvania
Teenage drivers have it sort of rough. They don't have much in the way of driving practice, so even if they have a clean driving record, a company could see them as a bit of a risk on the road. Which means they'll see higher rates.
USAA is the cheapest car insurance option for both male and female teen drivers in Pennsylvania on average when compared to the most popular auto insurers in the state. To learn more, explore our comprehensive resource on insurance titled "The Best and Cheapest Car Insurance Companies."
The table provides a detailed comparison of monthly car insurance rates for 18-year-old male and female drivers in Pennsylvania. It includes premium rates from multiple insurance companies, highlighting the differences in costs based on gender for young drivers.
| Insurance Company | Female (Age 18) | Male (Age 18) |
|---|---|---|
| Allstate | $148 | $176 |
| American Family | $107 | $145 |
| Farmers | $213 | $224 |
| Geico | $66 | $54 |
| Liberty Mutual | $257 | $257 |
| Nationwide | $100 | $100 |
| Progressive | $190 | $190 |
| State Farm | $94 | $94 |
| Travelers | $499 | $499 |
| USAA | $54 | $54 |
*These rates are based on profiles for 18-year-old male and female drivers in Pennsylvania. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Pennsylvania will differ.
Best Car Insurance Rates for a Married Couple in Pennsylvania
A bit further in the article we go over a few factors that an insurer may review when calculating your coverage rates, but your marital status can be one of them. It doesn't mean you have to split the coverage per person — you each get your own coverage. It's just a nice way to save money on the overall cost. USAA offers the cheapest car insurance rates for married couples in Pennsylvania on average. To delve deeper, refer to our in-depth report titled "Why Is Car insurance So Expensive?"
The table presents the monthly car insurance rates offered by different companies for a married couple residing in Pennsylvania. This comparison considers their factors, such as marital status, to determine the best insurance options available for this specific group. The rates vary significantly between providers, highlighting the importance of comparing quotes to find the most cost-effective coverage.
| Insurance Company | Rates |
|---|---|
| Allstate | $56 |
| American Family | $45 |
| Farmers | $56 |
| Geico | $25 |
| Liberty Mutual | $107 |
| Nationwide | $33 |
| Progressive | $69 |
| State Farm | $29 |
| Travelers | $31 |
| USAA | $26 |
*These auto insurance rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score.
Best Senior Car Insurance Rates in Pennsylvania
USAA provides the cheapest car insurance rates for male and female senior drivers on average in Pennsylvania out of the five largest auto insurers in the state. For a thorough understanding, refer to our detailed analysis titled "Ways to Save on Senior Driver Car Insurance."
The table below provides a detailed comparison of monthly car insurance rates for senior drivers in Pennsylvania. The data specifically considers the premiums charged by various insurance companies for 65-year-old male and female drivers. This factors is particularly relevant for understanding how different insurers price their policies for older drivers, ensuring that senior citizens can find the most cost-effective and suitable car insurance options available.
| Insurance Company | Female (Age 65) | Male (Age 65) |
|---|---|---|
| Allstate | $47 | $47 |
| American Family | $33 | $33 |
| Farmers | $39 | $41 |
| Geico | $24 | $21 |
| Liberty Mutual | $67 | $67 |
| Nationwide | $29 | $29 |
| Progressive | $44 | $44 |
| State Farm | $23 | $23 |
| Travelers | $26 | $26 |
| USAA | $17 | $17 |
*These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Pennsylvania will differ.
Cheapest Areas in Pennsylvania for Car Insurance
When looking at the average car insurance rates in areas of Pennsylvania, the cheapest area for car insurance is the State College area around Penn State University. Car insurance rates in Pennsylvania vary by area of the state. In the table below, you can see the top 10 cheapest areas in Pennsylvania for car insurance based on average rates for single adults. To gain profound insights, consult our extensive guide titled "Top 10 American States (United States) With the Highest Car Insurance Claim Satisfaction Rates."
The table provides a comprehensive comparison of the monthly car insurance rates in various cities across Pennsylvania. It highlights the cheapest areas, including State College, Mingoville, and Bellefonte, where rates are as low as $81 per month. Demographic factors such as age, driving history, vehicle type, and location-specific risks are weighed to determine these rates, offering a clear view of how insurance costs vary across different regions.
| City | Rates |
|---|---|
| State College | $81 |
| Mingoville | $81 |
| Bellefonte | $81 |
| Milesburg | $82 |
| Walnut Bottom | $82 |
| Blanchard | $82 |
| White Deer | $82 |
| University Park | $82 |
| Julian | $82 |
| Paxtonville | $82 |
*These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score.
Most Expensive Areas in Pennsylvania for Car Insurance
Some areas of Pennsylvania are more expensive than others. Philadelphia is the most expensive area in the state for car insurance. But with a little researcy, you can find the cheapest car insurance Philadelphia has available. Coverage costs may vary by area based on any number of factors. Crime rates, commute time, and the amount of drivers on the road are a few examples. For a comprehensive overview, explore our detailed resource titled "Top Ways Customers Have Saved Money on Car Insurance Rates."
This table presents the monthly car insurance rates for various cities in Pennsylvania, highlighting the most expensive areas for coverage. The data considers key demographic factors including age, driving record, and credit score, which significantly impact insurance costs. These rates provide a comprehensive overview of how demographics influence car insurance expenses in each listed city.
| City | Rates |
|---|---|
| Philadelphia | $174 |
| Lansdowne | $156 |
| Upper Darby | $153 |
| Sharon Hill | $152 |
| Darby | $152 |
| Cheltenham | $140 |
| Chester | $139 |
| Folcroft | $137 |
| Bryn Athyn | $136 |
| Huntingdon Valley | $134 |
*These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Pennsylvania will differ.
Minimum Car Insurance Coverage Requirements and Limits in Pennsylvania
Pennsylvania is one of 12 states with no-fault insurance, but its insurance laws differ slightly from other no-fault states. Many no-fault states restrict the driver’s ability to sue the at-fault party in an accident, but Pennsylvania does not. Instead, it allows drivers to choose a policy that gives them the right to sue under traditional liability law.
When selecting your policy, you’ll have two tort options: limited tort and full tort. If you select limited tort, you’ll have a cheaper premium, but you forgo your right to sue for pain and suffering. That means you won’t be able to recover costs to pay for things like lost wages or mental anguish. You still retain the right to sue for medical costs, though. If you select full tort, you have unrestricted rights to sue the other driver who is at fault in an accident.
Pennsylvania drivers are required to obtain medical benefits, which will cover your medical costs after an accident, regardless of fault. While the minimum in the state is $5,000, it’s certainly worth purchasing a higher limit to ensure you have enough coverage after an accident.
Despite the fact that it is a no-fault state, Pennsylvania still requires drivers to obtain liability insurance. This offers you protection in the event you cause an accident and injure another person or cause damage to someone else’s property.
Pennsylvania state minimum requirements:
Here is a list of Pennsylvania's minimum coverage requirements:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury; $25,000 per accident for property damage.
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in an automobile accident. This is most commonly the other vehicle, but also includes things like a home or fence.
You can find competitive prices by comparing companies, but pay attention to what makes up a company. The cost estimate you're given may be inaccurate if you do it online or don't provide correct information. For accurate quotes, be as specific as possible with the details they ask for, which we go over below.
Pennsylvania’s Uninsured Motorist Percentage
Among the optional coverages available to Pennsylvania drivers is uninsured motorist coverage. This will provide you protection in the event that you or your passengers are injured by an uninsured driver or a hit-and-run driver. It is considered optional auto coverage, but you should consider including it within your policy.
Your medical benefits provides you coverage for these scenarios, too, but obtaining uninsured coverage would increase your protection. The reason why additional coverage exists is to protect you no matter what risk you may face on the road.
Understanding Car Insurance Rate Calculation in Pennsylvania
When searching and comparing quotes from the best auto insurance companies in Pennsylvania, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you an insurance quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Driving Record & Mileage
- Age, Gender, & Marital Status
- Your Car’s Make, Model, and Year
- Location
- Amount of Car Insurance Coverage
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case? To expand your knowledge, refer to our comprehensive handbook titled "Steps to Take After a Car Accident."
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident.
For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase in their cost of coverage.
Save Money on Your Car Insurance in Pennsylvania
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Pennsylvania car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are five ways you may be able to lower your car insurance rates:
- Bundle Policies
- Raise Deductibles
- Pay in Full
- Try Usage-Based Insurance
- Shop for Better Rates
It never hurts to reach out to your current insurer after looking around to ask them if they could offer you cheaper rates. They may tell you about any deals they have going on, such as safe driver discounts, or a bundle on a certain coverage type. A safe driver discount could help you cut the cost of a full-coverage policy. You should also be mindful of the financial strength of the company you're either already with or looking into purchasing coverage from.
Not only are customer reviews important, but you want them to have a stellar financial rating so they can back up your claims should you need to file them. Keep this in mind, that the cheapest companies aren't always the best fit. For detailed information, refer to our comprehensive report titled "When to File a Car Insurance Claim."
Understanding Clearsurance's Ratings and Rankings for Pennsylvania's Top Car Insurance Companies
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
Finally, there is also a confidence factor based upon the number of reviews a company has by product. If the total number of reviews is less than 100, then a confidence deduction is applied to the star rating. The maximum impact of this deduction occurs when there are less than 25 reviews. To broaden your understanding, explore our comprehensive resource on insurance coverage titled "What is an insurance deductible?"
Companies with 100 or more reviews, aged two years or less, receive 100% weighting (no deduction), while companies with 50 to 99 customer reviews receive a weighting of 95%, 25 to 49 reviews receive a weighting of 90% and companies with less than 25 reviews a weighting of 85%.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Navigating the Best and Cheapest Car Insurance in Pennsylvania
Finding the best car insurance in Pennsylvania doesn't have to be overwhelming. Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works? You want excellent coverage at affordable rates, and it begins with knowing what you need.
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance. Use this guide to make an informed decision and save money on your car insurance.
Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save.
Frequently Asked Questions
How much is the average car insurance in Pennsylvania?
Pennsylvania drivers pay an average rate of $2,483 for full coverage and $526 for minimum coverage insurance.
What type of car insurance is cheapest?
Typically, fully comprehensive insurance is the least expensive, though prices are influenced by individual circumstances.
What is considered full coverage in Pennsylvania?
Full coverage insurance in Pennsylvania is usually defined as a policy that provides more than the state's minimum liability coverage, which is $15,000 in bodily injury coverage per person, up to $30,000 per accident, and $5,000 in property damage coverage.
Which insurance cover is best for car?
Comprehensive' insurance cover provides the widest cover and covers for theft and hijacking, damages due to an accident, fire or explosion and natural disasters like hail and floods.
What car insurance is required in Pennsylvania?
Pennsylvania law requires all Pennsylvania motor vehicle owners to maintain vehicle liability insurance (financial responsibility) on a currently registered vehicle. Vehicle liability insurance covers the property damage or injuries you may cause others in a crash.
Who pays for car damage in Pennsylvania?
Collision coverage pays to repair damage to your car as a result of an accident. Most banks or lenders require you to buy this coverage to receive a car loan. Under Pennsylvania law, the insurance company applies a $500 deductible unless you request a lower amount.
Does insurance follow the car or driver in Pennsylvania?
Car insurance typically follows the car and not the driver. In those cases, if you give someone permission to borrow your car, your insurance policy will cover specific damages if the guest driver gets into an accident. Because it's your policy, you'll be responsible for filing the claim and paying any deductible.
What is the penalty for driving without insurance in Pennsylvania?
If your motor vehicle is not insured with liability insurance, you could face the following penalties and expenses: A minimum of $300 fine for driving uninsured. A three-month suspension of your vehicle registration. A three-month suspension of your driver's license.
What is full coverage insurance in Pennsylvania?
Full coverage insurance in Pennsylvania is usually defined as a policy that provides more than the state's minimum liability coverage, which is $15,000 in bodily injury coverage per person, up to $30,000 per accident, and $5,000 in property damage coverage.
Can you get car insurance in Pennsylvania without a license?
Car insurance companies may flag those without a license as high-risk drivers, but you can still get car insurance without a license. You'll want to find the best car insurance policy for your specific needs.