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Pennsylvania Car Insurance
Compare rates from 19 car insurance companies in Pennsylvania.
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Here’s what you need to know when driving in Pennsylvania
Across the Keystone State, there are 253,838 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.
Car Insurance Laws
State minimum insurance requirements in Pennsylvania
In Pennsylvania, the state minimum coverage requirements are as follows:
- Bodily Injury $15,000 per person
- Bodily Injury $30,000 per accident
- Property Damage $5,000 per accident
First Party Medical Benefit
- $5,000 per person
- Full or Limited
Optional coverage in Pennsylvania (varies by carrier):
- Accidental Death Benefit
- Extraordinary Medical Benefit
- Funeral Expense Benefit
- Income Loss Benefit
- Combined First Party Benefit
- Loan/Lease Payoff
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured/Underinsured Motorist Bodily Injury
Liability coverage is legally required in Pennsylvania and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Pennsylvania, the minimum is listed as 15/30/5 and explained below:
$15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$5,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
First Party Benefit provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. FPB will cover medical expenses such as hospital bills, medical, dental, and nursing services resulting from an accident. In Pennsylvania, minimum FPB coverage of $5,000 per person is required on your policy.
The Tort Option in Pennsylvania will determine the policyholder’s right to sue another driver for pain and suffering. Selecting a limited Tort option restricts your right to sue another driver for non-monetary damage except for extreme circumstances concerning death or permanent disfigurement in return for a lower premium. Choosing a full Tort option allows the policyholder to sue for any post-accident related pain and suffering and usually comes with a higher premium.
These numbers reflect the minimum limits required in Pennsylvania but higher coverage amounts are available with most companies.
Pennsylvania is a no fault state!
What does this mean for you?
Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.
Top Pennsylvania Car Insurance Companies
The Zebra compares over 200 companies 1,800 products, so you can save way more than 15%.