Getting car insurance in Pennsylvania
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.
Not in Pennsylvania? Check your state requirements to determine your auto insurance needs.
How can I save money on car insurance in Pennsylvania?
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What are the state minimums for car insurance in Pennsylvania?
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.
|
Coverage type
|
State requirements²
|
|---|---|
|
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.
How does uninsured motorist coverage and other state specific coverages work?
In Pennsylvania, First Party Benefits coverage is required and helps pay for medical expenses right after an accident--no matter who's at fault. Both Uninsured Motorist Bodily Injury and Underinsured Motorist Bodily Injury coverage are optional. These two additional coverages protect you if the other driver has no insurance or not enough to cover your medical expenses.
If you are in an accident with an uninsured or underinsured motorist, your First Party Benefits will apply first. If that coverage plus the at-fault driver's liability coverage (if any) isn't sufficient to cover your medical expenses, then your Uninsured Motorist Bodily Injury or Underinsured Motorist Bodily Injury coverage kicks in (if added).
Increasing your First Party Benefits to include lost wages and more and adding Uninsured Motorist Bodily Injury or Underinsured Motorist Bodily Injury coverage means fewer out-of-pocket costs and more financial protection when you need it most.
What other types of car insurance coverage are available in Pennsylvania?
Allstate also offer these other types of car insurance coverage:
- Roadside
- Allstate Ride For Hire®
- Transportation expense coverage
Learn about these and other car insurance coverage types available.
What car insurance discounts can I get in Pennsylvania?
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
- Responsible payer discount
- Good student discount
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
How much does an auto insurance policy cost in Pennsylvania?
The average annual cost of minimum auto insurance in Pennsylvania is $519. For full coverage, the average annual cost is $2,386 according to Bankrate.
What can impact your car insurance rate in Pennsylvania?
In addition to selecting the coverages, limits and deductibles that are 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.
What are 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® app to access a digital ID card.³