Car Insurance in Pennsylvania

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TABLE OF CONTENTS
  • How Much is Car Insurance in Pennsylvania?
  • Real Quotes for Jerry.ai Customers in Pennsylvania
  • The Cheapest Car Insurance in Pennsylvania
  • Most Popular Insurance Companies in Pennsylvania
  • Cost to Insure Different Cars in Pennsylvania
  • Car Insurance Laws in Pennsylvania
  • Car Registration Information in Pennsylvania
Looking for car insurance in Pennsylvania? Here you’ll find all the information you need on driving a car in The Keystone State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Philadelphia or Pittsburgh, Allentown or Erie — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Pennsylvania car insurance.

How Much is Car Insurance in Pennsylvania?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Pennsylvania, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Pennsylvania pay $2,221.63 each year for car insurance. This means drivers in Pennsylvania pay 24% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
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What’s Your Rate?

But how do you know what policy is right for you in Pennsylvania? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Pennsylvania, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Pennsylvania

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
2021-02-07
  • Nissan Altima 2.5
  • Hyundai Santa Fe Sport
37 year old maleNationwide$89.33$35.67Standard
2021-02-05
  • Subaru Impreza 2.5i
  • Toyota Scion Tc
45 year old femaleNationwide$71.46$118.54Standard
2021-01-11
  • Chevrolet Impala Lt
42 year old femaleCLEARCOVER$173.67$126.33Standard
2021-03-20
  • Nissan Altima 2.5
  • Chevrolet Traverse Ltz
  • Toyota Corolla
37 year old femalePlymouth Rock$75.50$191.50Basic
2021-03-07
  • Cadillac Cts
22 year old maleProgressive$167$133Preferred

The Cheapest Car Insurance in Pennsylvania

Which companies offer cheap car insurance in Pennsylvania? Below, we’ve ranked Pennsylvania car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
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Cheapest Car Insurance in Pennsylvania for Basic Coverage

There’s all kinds of auto insurance you can get in Pennsylvania, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Pennsylvania. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Pennsylvania, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Pennsylvania

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$847
2Nationwide$868
3Safeco$913
4Metlife$938
5Bristol West$943
6Plymouth Rock$970
7Allstate$975

Real Jerry Quotes for Basic Coverage in Pennsylvania

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-01-29
  • Nissan Sentra 2.0
27 year old femaleProgressive$79.67$110.33
2021-03-07
  • Volvo Xc60 T5 Momentum
  • Subaru Ascent Limited
  • Jeep Renegade Latitude
30 year old maleBristol West$87.83$23.17
2021-03-26
  • Jeep Wrangler Unlimited Sport
  • Hyundai Elantra Touring Gls
  • Subaru Impreza Wrx Sti
  • Ford Fusion Titanium
  • Jeep Grand Cherokee Laredo
26 year old malePlymouth Rock$114.50$162.50
2021-02-22
  • Acura Rl
35 year old maleSafe Auto$58.67$30.33
2021-01-12
  • Chrysler 200 Limited
55 year old femaleProgressive$67$91

Average Cheapest Car Insurance for Standard Plans in Pennsylvania

Most drivers will want more than the basic minimum coverage that Pennsylvania requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Pennsylvania, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Pennsylvania

Filters
RankCompany nameAvg. Annual Premium
1Nationwide$1,116
2Progressive$1,289
3Bristol West$1,360
4State Auto$1,394
5Travelers$1,415
6CLEARCOVER$1,456
7Safeco$1,488

Real Jerry Quotes for Standard Coverage in Pennsylvania

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-03-22
  • Volkswagen Jetta Gli
  • Volkswagen Routan Se
35 year old maleProgressive$64.83$76.17
2021-04-03
  • Nissan Maxima Se
  • Infiniti Qx60
39 year old maleTravelers$89$102.67
2021-01-24
  • Hyundai Sonata Se
28 year old maleCLEARCOVER$89.50$202.50
2020-12-30
  • Infiniti G37
47 year old femaleCLEARCOVER$89.50$42.50
2021-02-28
  • Chevrolet Equinox Ltz
24 year old femaleTravelers$212.50$41.90

Cheapest Car Insurance in Pennsylvania for Preferred Coverage

Preferred coverage protects Pennsylvania drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Pennsylvania, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Pennsylvania

Filters
RankCompany nameAvg. Annual Premium
1Nationwide$1,387
2State Auto$1,416
3Travelers$1,503
4CLEARCOVER$1,537
5Progressive$1,538
6Plymouth Rock$1,687
7Safeco$1,689

Real Jerry Quotes for Preferred Coverage in Pennsylvania

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-01-07
  • Buick Rendezvous Cx
49 year old femaleProgressive$127.50$37.50
2021-04-04
  • Chevrolet Sonic Lt
21 year old femaleProgressive$196.50$88.50
2021-03-01
  • Chevrolet Impala Lt
43 year old femaleProgressive$74.67$55.33
2021-02-28
  • Chevrolet Equinox Ls
38 year old malePlymouth Rock$88.50$98.50
2021-03-29
  • Subaru Impreza
  • Nissan Pathfinder Le
  • Ford F150
35 year old maleNationwide$86.49$46.84
Insurance companyAverage annual premium in Pennsylvania
Progressive$1,783.24
CLEARCOVER$1,478.15
Bristol West$1,336.92
Nationwide$1,600.47
Plymouth Rock$2,229.36
State Auto$1,442.98
Safeco$2,110.05
Travelers$1,543.67
National General$3,650
Metlife$268.63

Cost to Insure Different Cars in Pennsylvania

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Pennsylvania drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Pennsylvania. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-03-06
  • Nissan Versa S
47 year old maleProgressive$143.83$90.17Preferred
2021-02-24
  • Audi Q5 Premium Plus
27 year old femaleProgressive$104.50$30Preferred
2021-02-22
  • Dodge Challenger Se
28 year old maleCLEARCOVER$80.83$269.17Basic
2021-02-18
  • Audi A3 Premium Plus
33 year old maleNationwide$198.10$21.90Preferred
2020-12-31
  • Gmc Acadia All Terrain
26 year old maleNationwide$59.89$86.11Preferred
2021-02-05
  • Chevrolet Cruze Ls
28 year old femaleTravelers$88$79Standard
2021-02-04
  • Audi A4 Premium
29 year old maleProgressive$95.83$124.17Preferred

Car Insurance Laws in Pennsylvania

Pennsylvania is the state where the Declaration of Independence was written, the U.S. constitution was signed, and the Gettysburg Address was delivered. So, it should come as no surprise that each year, millions of tourists join locals on the roadways, and that volume of traffic can have a direct effect on both the number of car accidents and the resulting increase in car insurance premiums.
The Keystone State has a set of laws that govern how much insurance drivers need to take out to legally drive. Here’s everything you might want to know about the minimum car insurance requirements in Pennsylvania.

What Car Insurance Is Required by Law in Pennsylvania?

To be able to register a motor vehicle to be driven in Pennsylvania, drivers are required to have three different types of automobile insurance active at all times: Medical Benefits coverage, also known as Personal Injury Protection (PIP), Bodily Injury Liability (BIL), and Property Damage Liability (PDL).
Since Pennsylvania is a “choice no-fault state,” or tort state, drivers have an option to choose either full or limited tort coverage. With tort coverage, or at-fault coverage, the driver who causes an accident is liable for all the costs resulting from the collision for all parties involved. Pennsylvania is unusual in that some PIP insurance is mandatory, so even if you’re at fault, your insurance will cover a certain amount of the medical expenses for your injuries. It can cover things like lost wages, transportation, medication, emergency services, and doctor’s visits.
BIL coverage is an important part of your auto insurance coverage in that it covers injuries for other drivers, passengers, and bystanders who might’ve been hurt in the accident, much like PIP coverage does for you.
PDL insurance is the portion that addresses damage to anything other than people. Property damage expenses can tally up quickly and PDL covers a broad range of them. Examples include other cars, buildings, hydrants, utilities, and private property like fences, up to the policy’s limitations.
Minimum coverage often falls short of covering all the expenses associated with property damage and injuries in a collision, however. In a tort state, other drivers and affected parties can opt to sue the at-fault driver in an attempt to recover costs beyond the policy’s scope. It’s a good idea for drivers to pursue uninsured motorist coverage, comprehensive coverage, and collision coverage in addition to higher limits than the minimums.

Can You Drive a Car without Insurance in Pennsylvania?

Should you choose to drive without insurance or proof of financial responsibility, the penalties are severe in Pennsylvania. A minimum $300 fine, a three-month registration suspension, and a three-month driver’s license suspension are assessed. You’ll need to pay a restoration fee to get your license and registration back.
If you’re caught driving without insurance in other parts of the country, an SR-22 certificate may be required when you drive to provide proof of financial responsibility, meaning you carry the minimum coverage. In Pennsylvania, an SR-22 is not required but there may be extra fees and an increased insurance premium if you’re convicted.

What are the Minimum Car Insurance Requirements in Pennsylvania?

The Commonwealth of Pennsylvania requires that all drivers with a state license maintain at least minimum amounts of liability insurance, like many other states do. Protection is afforded for the driver with the insurance requirements, as well as other motorists on the road, to cover any property damage or injuries that could occur in a car accident. To ensure you can drive in Pennsylvania legally, the state mandates that you have these minimum coverage amounts.
Minimum Insurance Requirements in Pennsylvania
  • Medical Benefits (Personal Injury Protection): $5,000
  • Bodily Injury Liability per person: $15,000
  • Bodily Injury Liability per accident: $30,000
  • Property Damage Liability per accident: $5,000

Car Registration Information in Pennsylvania

Not only are you required to carry certain amounts of auto insurance coverage on your vehicle in Pennsylvania, but you must also ensure your vehicle registration is active before you drive. New residents to the state must apply for Pennsylvania registration within 20 days of establishing residency.
Dealerships in Pennsylvania will submit your application for registration if you purchase a new vehicle. You’ll need to provide a copy of your current insurance identification card, too. For a used car or for new residents, you must bring the certificate of title with the vehicle identification number (VIN), your driver’s license, and your insurance card to the Department of Transportation (PennDOT). In either situation, you’ll pay your initial registration fee at the time of registration.
Registration renewals are a much simpler process. Registration stickers are no longer used in Pennsylvania, so online registration renewal is the easiest and fastest way to do it. It can be done at the state DMV website using your registration plate number, insurance information, your odometer reading, a credit card for payment, and a printer to print out a new registration card.
Other options include renewing at a PennDOT Online Messenger service or by mail. Passenger vehicle registration costs $38 per year, and Pennsylvania offers a two-year registration option for $76 if you prefer. Initial registration fees include a standard license plate charge.
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