Pennsylvania Car Insurance Laws (2024)
The average Pennsylvania car insurance rates are $109.42/mo, although your Pennsylvania car insurance cost will vary depending on location, vehicle, and driving record. Pennsylvania car insurance requirements are 15/30/5 of bodily injury and property damage liability coverage.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Dec 29, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 29, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Pennsylvania requires everyone operating a motor vehicle to be financially responsible for injuries and damage that occur as the result of at at-fault accident. Drivers must carry a minimum amount of liability insurance in order to meet the requirements and be on the road legally; anyone who fails to meet these requirements will face stiff penalties.
Required Insurance Coverage
Under Pennsylvania law, everyone who drives must carry a combination of bodily injury, property damage, and medical payments coverage in a certain minimum amount. Most drivers choose to increase these limits to further protect themselves, but the mandated amounts are as follows.
- Bodily Injury Liability – The required coverage is $15,000 per person and $30,000 total for all injuries per incident to cover costs as a result of injuries in an at-fault accident.
- Property Damage Liability – Drivers must carry at least $5000 in coverage to pay for damage to vehicles or other personal or public property.
- Medical Payments – This coverage is a no-fault benefit that covers medical costs for you or anyone covered by your policy. The minimum required coverage is $5000.
It is also acceptable to carry a combined single limit of $35,000 to cover both bodily injury and property damage in order to meet the legal minimum requirements. Not all insurance companies offer a combined limit option. Your one-stop online insurance guide. Get free quotes now! Secured with SHA-256 Encryption
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Optional Insurance Coverage
The first option that most drivers will add to an insurance policy is increased liability limits. While you can drive with the legal minimum, a serious accident can exceed those limits quickly, so most drivers carry higher limits. In addition to this, there is a wide selection of coverage options to choose from.
Collision and Comprehensive
Although these are sold separately, they are most often purchased together. Both require that you pay a deductible to receive benefits in most cases.
- Collision covers you for damage to your own vehicle in the event of an at-fault accident
- Comprehensive covers you for damage caused by anything other than a collision: theft, vandalism, fire, weather damage, and glass repair
Uninsured/Underinsured Motorist
This coverage provides payments for damages caused by another driver who is either uninsured or does not have sufficient coverage to pay for the total of the damage or injuries. Pennsylvania allows drivers to stack their UM/UIM coverage across multiple policies for an additional fee.
Funeral Benefits
This provides coverage for funeral expenses for an accident involving a fatality. It covers you or a family member.
Income Loss
This pays for a portion of lost income as a result of an accident.
Extraordinary Medical Benefits
This option increases medical benefits when they are in excess of $100,000 for coverage up to $1 million.
Other Coverage Options
Pennsylvania drivers have access to several more coverage options, including roadside assistance, rental reimbursement, accidental death benefits, and gap coverage. Drivers can select the options that meet their needs best.
Proof of Insurance and the Law
Drivers in Pennsylvania must carry proof of financial responsibility while driving and present it upon request to law enforcement. Anyone who is caught driving without the proper insurance will be subject to several penalties:
- Fines of $300 and up
- Suspension of driver’s license for three months
- Suspension of vehicle registration for three months
- Impounding of the vehicle
- Fees to reinstate both license and registration
Drivers who have not had a previous offense in the preceding 12 months may opt to pay a $500 civil penalty instead of serving the suspension time, but this option will not be available for a second offense in a 12-month period.
Drivers who are involved in an accident while uninsured may face more severe penalties, especially if the accident is serious. Anyone who is uninsured can be held financially responsible in court for damages and injuries, and will also face higher insurance rates when they resume driving due to a higher risk status.
Pennsylvania’s No-Fault Choice Option
Pennsylvania car insurance is unusual in that drivers can choose between no-fault and traditional tort coverage. Also referred to as limited tort, the no-fault option limits the situation in which a driver can sue. With limited tort coverage, lawsuits for bodily injury are only permitted when there is a serious injury, as defined by the law. Benefits are paid out at a set amount regardless of who is at fault in the accident. As a result of the lower risk of payout on the insurance company’s part, premiums are lower on this type of policy.
Drivers who choose traditional tort coverage will pay higher premiums but have more freedom to sue in the event of an accident. This also means that another driver can sue you without restriction if you are at fault. Insurance companies will defend you in court and pay out on settlements up to your policy limits; you may still be responsible for amounts that exceed the limits. It’s best to discuss the risks and benefits of each option with an insurance agent to help determine which is the best choice.
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Teen Drivers in Pennsylvania
Teen drivers in Pennsylvania go through a graduated licensing process that is designed to ease them into the full responsibilities of driving. During each stage, there are a few restrictions that must be obeyed at all times.
Learner’s Permit – The first stage is the learner’s permit. This permit can be obtained by passing a written test as well as a vision-screening test. This permit allows a teen driver to begin practicing behind the wheel. While holding a permit a teen driver can only drive when supervised by an approved fully licensed driver – a parent, guardian, or driving instructor who is at least 21 years old or your spouse who is at least 18 years old. This license must be held for 6 months and all requirements met before attempting the road test.
Junior License – After completing 65 hours of supervised driving practice, ten of which must be at night and 5 of which must be during inclement weather, teens can take the road test to obtain a junior license. The restrictions for a junior license are:
- Driving is not permitted between 11 p.m. and 5 a.m., unless for employment or volunteer services or if you are with your parents or guardian who is a licensed driver and is over 21, or your spouse who is at least 18 years old.
- For the first six months, only one passenger under the age of 18 is permitted, except for family members or when driving with a parent or guardian in the car
- After the first six months, up to three passengers under the age of 18 are permitted, except for family members or when a parent or guardian is in the car
Full License – At the age of 17.5, teen drivers can graduate to a full, unrestricted license as long as they have maintained a clean driving record and have completed a driver education course at an approved driving school.
Teen drivers are required by law to meet the financial responsibility minimums once they have obtained a junior license. Teens away at school can remain on their parent’s or guardian’s insurance policy until the establish residency on their own.
Buying Car Insurance in Pennsylvania
Pennsylvania insurance rates fall right in the middle when compared to averages in other states. Insure.com’s 2017 rate comparison shows Pennsylvania at number 23 with an average annual rate of $1313. Rates differ based on whether you choose a traditional tort policy or the option of no-fault, limited tort insurance, with the latter being generally less costly.
The Pennsylvania Insurance Department helps drivers to choose an insurance company by offering information on how to buy insurance as well as assistance with finding an insurance agent or company. Currently, there is no low-cost auto insurance program offered through the state.
Insurers in Pennsylvania can use a number of different factors to determine rates. The law allows for an insurance company to use credit information when first writing a policy, but they are prohibited from using it when the policy is up for renewal. They are also prohibited from discriminating on the grounds of any factor such as race, religion, or gender, as well as age and marital status.
High-Risk Drivers and Insurance
High-risk drivers may find it difficult to obtain affordable auto insurance. Anyone who has a complex driving history, including multiple tickets, accidents, or serious violations such as a DUI, may be considered a high-risk driver. Every insurance company determines their own standards for policies and what they consider to be high-risk.
The state mandates an assigned risk program in which all insurance companies must participate. The Pennsylvania Assigned Risk Program assigns high-risk drivers who have been unable to find insurance to an insurance company, spreading the risk among multiple companies. To qualify the driver must have tried and failed to obtain insurance for at least 60 days prior to applying.
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How Does Credit History Affect Pennsylvania Car Insurance Rates?
Since the state allows insurance companies to use credit score as a rating factor, Pennsylvanians with excellent credit pay a little less than folks with poor credit. By the way, exceptional credit starts at an 800 score. Why do folks with average and good credit pay more than those with poor credit? Drivers in those categories can afford more expensive cars and higher levels of coverage.
What Is the Difference Between Full Tort and Limited Tort in PA?
Full tort allows you to sue for pain and suffering if you’re injured in an accident.
Limited tort means you cannot sue for compensation for pain and suffering after a car collision unless you’re seriously injured or the accident meets at least one of six other criteria. This option often gives you a lower monthly premium, but less coverage.
What is the average cost of car insurance in Pennsylvania?
On average, people in Pennsylvania pay $1,270[1] per year for their auto insurance, but many people are paying much more. With Root good drivers could save up to $900 a year. Download the app to get started.
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The Bottom Line
In Pennsylvania, insurers use several factors to determine premiums, including age, zip code, driving history and credit score. Each company weighs these considerations differently, which means your choice of insurer can affect your premiums, as well.
Pennsylvania auto insurance laws and regulations require all drivers to have car insurance. Drivers in the Keystone State must have auto liability coverage limits of at least:
$15,000 in bodily injury per person
$30,000 in total bodily injury per accident
$5,000 in property damage per accident
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Frequently Asked Questions
Can I provide proof of car insurance electronically in Pennsylvania?
Yes, Pennsylvania allows drivers to provide electronic proof of insurance. You can show a digital copy of your insurance card or display it on your smartphone when required by law enforcement or other parties.
What are the penalties for driving without insurance in Pennsylvania?
Driving without insurance in Pennsylvania can result in penalties, including fines, suspension of your driver’s license, registration suspension, and the requirement to file an SR-22 form as proof of future insurance coverage.
Is Pennsylvania a no-fault insurance state?
Yes, Pennsylvania follows a no-fault insurance system. This means that after an accident, each driver’s own insurance company typically pays for their medical expenses and related losses, regardless of who caused the accident.
Are there any special insurance requirements for high-risk drivers in Pennsylvania?
High-risk drivers in Pennsylvania, such as those with a history of accidents or violations, may be required to carry additional insurance coverage or meet specific requirements. They may also face higher insurance premiums due to their driving record.
Can my car insurance rates be affected by my credit score in Pennsylvania?
Yes, in Pennsylvania, car insurance companies can consider your credit score when determining your insurance rates. Insurance companies may use credit-based insurance scores as one of the factors in assessing risk and setting premiums.
Where can I find more information about car insurance laws in Pennsylvania?
For more detailed information about car insurance laws in Pennsylvania, it is recommended to visit the official website of the Pennsylvania Department of Insurance or consult with a licensed insurance agent who can provide guidance and answer specific questions.
Are there any additional car insurance coverage options in Pennsylvania?
In addition to the required liability coverage, drivers in Pennsylvania can purchase additional coverage options such as comprehensive coverage, collision coverage, medical payments coverage, and rental reimbursement coverage. These options provide additional protection and benefits beyond the minimum requirements.
What is the “limited tort” option in Pennsylvania car insurance?
Pennsylvania allows drivers to choose between “limited tort” and “full tort” options. Limited tort limits your ability to sue for pain and suffering unless you have suffered a serious injury. Full tort provides more flexibility to pursue legal action for all types of injuries.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.