Pennsylvania Car Insurance

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Philadelphia Skyline - Pennsylvania

InsurancePanda’s guide to auto insurance in Pennsylvania

Pennsylvania has been witness to many of the events that have forged America’s history and several of them have taken place in Philadelphia. It was here that Betsy Ross made the first American flag, the Declaration of Independence was signed, and is the resting spot for the Liberty Bell. Move a little bit further out and you can experience Amish country in Lancaster County and the chocolate capital of the world in Hershey.  There’s no doubt that residents of Pennsylvania have a lot of activities right at their fingertips but you’re going to have to drive there.

Luckily, Pennsylvania has one the best, most extensive systems of highways in the U.S. so getting around is easy as well. It’s just important to make sure that you’re protected. It’s illegal to drive a vehicle without insurance in Pennsylvania and while there are suggested legal minimums, it’s a good idea to buy comprehensive coverage. If you get into a fender bender in Philadelphia, you’ll be okay. If you hit a horse in Amish country, you should probably call your insurance agent.

Average Auto Insurance Prices in Pennsylvania

In Pennsylvania, you have a couple of options for obtaining insurance. If you don’t want to abide by the legal minimum that the state sets, you can self-insure your vehicles. This allows you to meet the financial responsibility requirements but it can be very pricey. You must first complete an application and then you will be required to sign a master self-insurance and security agreement.

The government asks that you also provide a balance sheet and income statement to prove financial responsibility and then you still have one step. You are required to submit a security deposit of $50,000 for 1 vehicle and an additional $10,000 for each additional vehicle. For a few individuals, the option to self-insure is more desirable but many residents choose the easier and more cost-effective method of traditional insurance. Here are the standard prices that sit well below $50,000.

  • Current average annual auto insurance premiums in the United States: $1666.62
  • Current average annual auto insurance premiums in Pennsylvania: $1711.49

Average Insurance Rates for the Top Five Most Populated Cities

  1. Philadelphia: $2313
  2. Pittsburgh: $1460
  3. Allentown: $1737
  4. Erie: $1610
  5. Reading: $1663

Pennsylvania Minimum Auto Insurance Requirements

If you choose to insure your vehicle through an insurance company, you will need to meet the legal minimum requirements. This is fairly affordable and you may find that you like not paying a high insurance bill each month but if you find yourself in an accident, the bills may never stop. Too many American citizens are underinsured because they try to save money by skimping on protection but it’s not a matter of if a car accident will happen, it’s when. You don’t want to find yourself without the right amount of coverage but that amount will vary for each individual. Speaking to an insurance agent can help you better determine how much coverage you need. Just to make sure you’re obeying the law, minimums are below:

  • Bodily Injury Liability per person: $15,000
  • Bodily Injury Liability per accident: $30,000
  • Property Damage Liability: $5,000
  • Medical Expenses Coverage: $5,000

The following amounts and policies are recommended.

  • Bodily Injury Liability per person: $100,000
  • Bodily Injury Liability per accident: $300,000
  • Property Damage Liability: $50,000
  • Uninsured/Underinsured Motorist Bodily Injury per person: $100,000
  • Uninsured/Underinsured Motorist Bodily Injury per accident: $300,000
  • Uninsured Motorist Property Damage: $5,000
  • Collision: $500 deductible
  • Comprehensive: $50 deductible

There are only certain policies but experts recommend a more comprehensive plan. Liability insurance will only cover the property damage and bodily injury that you cause but if you’re also hurt in the accident, liability won’t cover you. Medical Expenses coverage will help pay for your doctor bill but $5,000 can add up quickly. Invest in a plan that protects other drivers and yourself as well as your passengers.

Penalties for Driving Without Insurance in Pennsylvania

Just as the state gives you options for insuring your vehicle, they also give you options if you’re caught driving without insurance. The first choice is that you can immediately turn your vehicle plates into the Department of Transportation. Other than not being allowed to drive, you won’t have to pay any fees or fines. But if you decide to continue driving, you will face a minimum fine of $300 and three month suspension of your license and car registration. You’ll also have to pay reinstatement fees when your three month suspension is over. Long story short, it’s much easier to pay your insurance rather than get caught without it.

How to Get Auto Insurance in Pennsylvania

Finding affordable insurance shouldn’t be hard but that’s the number one request consumers have. Many realize how important it is having the appropriate coverage but how do you get it at a price that you can afford? At Insurance Panda, we hear you and want to make finding insurance easier. Use our simple quote comparison tool to get access to some of the best providers in your area.

Additional Pennsylvania Auto Insurance Resources

The information above is for reference material only and Insurance Panda cannot legally be held responsible for anything written above. For official information, visit these websites:

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