Coverage designed with you in mind
Also known as the Keystone State, Pennsylvania is located in the Northeastern United States. It's the fifth most populous state in the country and home to Philadelphia, Pittsburgh and its capital, Harrisburg. Pennsylvania is one of the original 13 states, as well as being where the Declaration of Independence and Constitution were signed. It's known for being home to the Liberty Bell and one of the largest chocolate manufacturers in the world, as well as Valley Forge and the Battle of Gettysburg. The state is home to multiple sports teams in baseball, basketball, football and hockey. The Appalachian Mountains run through the heart of the state. Interstates 80 and 76 run East to West across the state, while Interstates 79, 81 and 95 run North to South.
Finding the right car insurance for you means staying up to date on Pennsylvania requirements. The table below lists the coverages and minimum coverage limits that are required in Pennsylvania. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.
Pennsylvania car insurance state minimums
Coverage type | State requirements |
|---|---|
Bodily injury liability | $15,000 limit per person/$30,000 limit per accident |
Property damage liability | $5,000 limit |
Uninsured motorist | Not required |
Underinsured motorist | Not required |
Medical expenses | $5,000 limit |
Collision | Not required¹ |
Comprehensive | Not required¹ |
All coverages are subject to the coverage limits stated in your policy.
¹Although Pennsylvania law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
Other types of car insurance coverage in Pennsylvania
Allstate also offer these other types of car insurance coverage:
- Roadside coverage
- Ride For Hire®
- Rental reimbursement coverage
Learn about these and other car insurance coverage types available.
Pennsylvania car insurance discounts
It's possible to get quality coverage at a lower rate than you might think. When you get a quote for Pennsylvania auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:
- Multiple policy / bundling discount
- New car discount
- Early Signing Discount®
- Responsible payer discount
- Smart student discount
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
Insurance bundling discounts
Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you up to 12%*. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.
Factors that can impact your car insurance rates in Pennsylvania
In addition to selecting the coverages, limits and deductibles that's right for you, these factors could also affect your car insurance rates in Pennsylvania:
- The type of car you're insuring (year, make, model)
- Your driving habits and annual mileage
- Demographic factors, like zip code
- Any discounts you may qualify for
Learn more about these factors that could impact your car insurance premium.
Pennsylvania's rules on electronic proof of insurance
If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In Pennsylvania, you are allowed to show an electronic copy of your insurance card on your mobile device.
You can use the Allstate mobile app for iPhone® and Android® to access a digital ID card.