Pennsylvania Auto Insurance Guide
Get affordable Pennsylvania auto insurance quote rates for free.
Call Now: (866) 845-3808
From Allentown to Scranton, Harrisburg to Pittsburgh, Pennsylvania has thousands of miles of roadways. They’ll take you from downtown Philadelphia to the shores of Lake Erie, from the Appalachian Mountains to the Lehigh Valley. They’re used by over 2.8 million licensed drivers, who each put in an average of over 7,700 miles a year. Along the way, those drivers are involved in thousands of traffic accidents every year, including many that result in serious injury or death. Wherever you live and drive in the Keystone State, carrying adequate car insurance is both a legal requirement and commonsense protection. This is your guide to Pennsylvania’s basic vehicle insurance requirements and laws. Pennsylvania state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. Pennsylvania is a no-fault state. That means your insurance will pay your injury claims up to a specified limit, regardless of who caused the accident. Under a no-fault system, you lose some of your rights to sue for damages.
The bare minimum car insurance requirement for Pennsylvania drivers is:
Pennsylvania does not require you to carry additional coverage such as personal liability protection, uninsured/underinsured motorist insurance and Collision and Comprehensive. However, If you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.
You are required by law to carry proof of Pennsylvania car insurance in your car and show it if a law enforcement officer asks to see it. Failure to do so can result in severe penalties. You will face a minimum $300 fine. Your registration and driver’s license can be suspended for 3 months. You will have to pay $50 each to restore your registration and license. Your vehicle cannot be driven by you or anyone else while the registration is suspended.
Vehicle insurance premiums are regulated by the Pennsylvania Department of Insurance. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:
Pennsylvania also allows insurers to consider your credit rating to determine your premium.
Ask about available discounts for good driving habits, anti-theft devices, multiple cars on one policy, bundling your car insurance with your homeowners or renters policy, automatic or online payments and driving a hybrid or electric car
Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in Pennsylvania. The following laws have recently been enacted in Pennsylvania and may affect your insurance coverage decisions.
Pennsylvania Department of Insurance
Pennsylvania Driver and Vehicle Services
Insurance Information Institute
Compare Insurance Quotes & Save