Skip to main content

Cheap Car Insurance in Pennsylvania

Everything You Need to Know About Auto Insurance in Pennsylvania

Pennsylvania has a rich history of immigration, with people of various ethnic backgrounds calling it home. From the vibrant neighborhoods of Philadelphia to the quaint towns in the countryside, Pennsylvania offers a mix of cultures and traditions.

The Keystone State nickname references Pennsylvania’s central location in the original 13 colonies, symbolizing its importance in holding the states together, much like a keystone in an arch. This sense of unity and stability can be felt throughout the state, as communities come together to celebrate their heritage and accomplishments.

One must-visit destination in this state is Philadelphia, known for its iconic landmarks such as the Liberty Bell and Independence Hall, where the Declaration of Independence was signed. The city’s museums, restaurants, and vibrant neighborhoods like South Street and Reading Terminal Market are must-sees for any visitor. Another attraction is Lancaster County, home to the Amish community known for their traditional lifestyle and crafts, such as quilting and furniture making. In contrast, the city of Pittsburgh, located at the confluence of three rivers, is known for its modern architecture, arts, and sports scenes, and stunning views from Mt. Washington.

Travel through Pennsylvania’s cities and countryside with confidence, as car insurance coverage is a legal requirement for all drivers. Acceptance offers affordable and dependable insurance options for Pennsylvania drivers, ensuring your protection on the road.

How Much Does Car Insurance in Pennsylvania Cost?

Car insurance rates in Pennsylvania can vary, but on average, they are slightly higher than the national average for full coverage and lower for minimum coverage. In the Keystone State, the annual average cost of car insurance for full coverage is $2,040, compared to the national average of $2,014. For minimum coverage, the national average is $622 per year, while in Pennsylvania, it’s $428 per year.

Your rates will depend on personal factors like your ZIP code, age, marital status, and other things. Acceptance agents are ready to guide you through the process of choosing the best car insurance coverage.

Ready to Get a Quick Quote?

What Is the Average Premium for Cheap Full Coverage Car Insurance in Pennsylvania?

In Pennsylvania, the average cost for cheap full coverage car insurance is around $123 per month. It’s important to consider opting for full coverage because relying on just the state-required minimum coverage could leave you with significant out-of-pocket expenses in case of an accident.

Full coverage provides you with three major areas of protection, which are:

  • Comprehensive Coverage: This protects you from non-collision-related losses such as theft, vandalism, and damage caused by fallen trees.
  • Collision: If you’re involved in a collision with another vehicle, this coverage will help pay for the damages to your car.
  • Property Damage Coverage: This coverage pays for the costs of repairing your vehicle and/or property if you have an accident.

In short, for peace of mind, it is essential to obtain full coverage that exceeds the state’s minimum requirements.

How Much Does Liability Insurance or Minimum Required Auto Coverage Cost in PA?

In Pennsylvania, the average cost of liability insurance or minimum required auto coverage is around $428 per year. This type of coverage is great because it pays for medical expenses for you and your passengers in case of an accident, regardless of who is at fault. So, if any hospital bills arise from an accident, your policy has got you covered.

Note: If you want additional protection for your vehicle, consider options like collision and comprehensive insurance. While these may increase your premium, they offer added peace of mind. Stay confident and protected on the road with the right insurance coverage!

How do Insurance Rates Compare Across Pennsylvania’ Major Cities

Where you live can affect your insurance rates, especially in busy cities like Philadelphia, Pittsburgh, and Allentown. Insurance premiums might be higher in these metropolitan areas compared to driving in rural areas. When comparing rates, remember to consider the traffic and accident rates in these cities. Here are a few cities in Pennsylvania to compare insurance rates:

Scroll for more
City Full Coverage Insurance Liability Insurance Coverage
Philadelphia $231 $58
Pittsburgh $117 $30
Allentown $121 $33
Erie $114 $30
Reading $120 $31

We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100.

What are Some Car Insurance Discounts in Pennsylvania?

To help you lower your car insurance premiums, there are various benefits and discounts available. Here are some options to explore:

  • Mileage-based Discount: If you maintain lower mileage and demonstrate responsible driving behavior, certain insurers offer discounts. Keep track of your mileage and explore programs that can track your driving habits to potentially qualify for a discount.
  • Pay-in-full: Consider paying your insurance premium in full at the start of your policy term. Some insurance providers offer a discount to show appreciation for your upfront payment.
  • Senior driver: As a senior driver, you could be eligible for age-specific discounts and benefits. Insurance companies may offer tailored options that recognize your driving experience and age.
  • Green Vehicle: If you drive an environmentally friendly car, you may qualify for a discount. Many insurers encourage eco-conscious choices by providing discounts to drivers of green vehicles.

To find out which specific discounts you qualify for, we recommend speaking with your local insurance agent. They can offer personalized guidance for your needs.

Pennsylvania Car Insurance Laws

Pennsylvania Car Insurance Laws mandate that all drivers have continuous insurance coverage, and insurance carriers track insured drivers through a real-time database. This state operates under a no-fault system, and drivers must provide proof of insurance to register a vehicle. It is advisable to consult an insurance professional for any specific questions or concerns regarding coverage.

What are Mandatory Vehicle Insurance Requirements in Pennsylvania?

In Pennsylvania, it’s important to have the right car insurance coverage. The mandatory requirements include:

  • $5,000 for Personal Injury Protection (PIP) coverage
  • $15,000 per person / $30,000 total for Bodily Injury coverage in one accident
  • $5,000 for Property Damage Liability coverage

When you register your vehicle, it’s necessary to show proof of insurance. While you can drive with the state minimum coverage, if you’re leasing a vehicle, your finance company might ask for higher coverage limits for comprehensive, collision, and liability damage. It’s best to make sure you have the right coverage to protect yourself and others in case of an accident.

Car insurance FAQs

Get answers to common insurance questions

What Happens if You are Caught Driving Without Insurance in PA?

Driving without insurance in Pennsylvania can put you in a tough spot. For a first offense, you may face a minimum fine of $300, have your driver’s license and vehicle registration suspended for three months, and even have your car impounded. It’s not cheap to resolve this situation, with a $94 restoration fee (commercial drivers pay $202) to get both your license and registration reinstated. And, if you have repeated offenses, the penalties can increase.

One thing to keep in mind is that even a short period without insurance can result in a fine. That’s because the state has real-time access to insurance database information, which shows if you have continuous coverage.

What Factors Does Pennsylvania Law Allow in Determining Your Insurance Premiums?

In Pennsylvania, there are several factors that are taken into consideration when determining insurance premiums. These factors include:

  • Age: Generally, younger drivers tend to have higher rates due to their relative lack of driving experience.
  • Gender: Statistically, certain age groups of males and females may have different accident rates, which can affect insurance premiums.
  • Claims record: Your claims record considers any past accidents or claims you’ve made. If you have a track record of accidents or claims, insurance companies may perceive you as a higher risk and adjust your premiums accordingly.
  • Vehicle type: Factors such as the make, model, age, and safety features of your vehicle can affect insurance rates.
  • Credit score: In some states, including Pennsylvania, credit score can be a factor in determining insurance premiums. Generally, individuals with higher credit scores are seen as more responsible and may be eligible for lower.

Am I Required to Report an Accident in Pennsylvania to Authorities?

Yes. Pennsylvania law requires that you report any car accident to the authorities in one of two ways. If the accident was not investigated by the police and did not involve injury, death, or severe damage, you must report it within five days. To report, you’ll need to gather information on all parties involved and file an accident report with the nearest police department or the Pennsylvania Department of Transportation. Failure to do so may result in the suspension of your driving privileges.

If the accident does involve injury, death, or major damage, you must report it immediately by calling 911. Reporting the accident promptly is important in ensuring that the necessary assistance and support are provided to everyone involved.

Looking for a Local Office?
Find an Office Near You

What is Driving in Pennsylvania Like?

Pennsylvania driving can vary due to heavy traffic in cities like Philadelphia and Pittsburgh. Additionally, Pennsylvania experiences diverse weather conditions, including snowstorms in winter and occasional heavy rain throughout the year, which can make driving more challenging. Remember to stay patient, alert, and courteous on the road, and you’ll have a smoother driving experience in Pennsylvania.

How Many Car Accidents Happen in Pennsylvania?

Unfortunately, the statistics show that in 2022, Pennsylvania had 115,938 reportable traffic crashes. These accidents led to the tragic loss of 1,179 lives and caused injuries to 67,012 people. While it’s worth noting that this is the third lowest number of crashes since 1950, when 113,748 crashes were reported, it’s still important to take these numbers seriously.

How Many Drivers are Uninsured/Underinsured Motorists in PA?

Based on the latest data from the Insurance Information Institute, Pennsylvania stands out with one of the lowest rates of uninsured drivers in the nation, placing 46th. Only 6% of drivers in the state are either uninsured or underinsured.

Nevertheless, it’s crucial to highlight the importance of having adequate car insurance coverage. Not only is it a legal obligation, but it also offers crucial financial protection in case of an accident.

Car Insurance Glossary

Lean more about terms and definitions that are commonly used in insurance.

FAQs About Pennsylvania Car Insurance

I am a Low-Income Driver. How Can I Find the Cheapest Car Insurance in Pennsylvania?

For low-income drivers in Pennsylvania, there are several strategies to find affordable car insurance. Some of them are as follows:

  • Obtain state minimum coverage
  • Consider driving an older vehicle
  • Enroll in paperless billing and auto-pay programs
  • Sign up for defensive driving courses
  • Maintain a clean driving record
  • Keep your insurance account in good standing for three to five years


Can an Undocumented Worker Get Auto Coverage in PA?

Unfortunately, under current regulations in Pennsylvania, undocumented workers are not eligible to obtain auto insurance coverage. It is important to have a valid driver’s license and legal residency status to access auto coverage options in the state.

Is It Possible to Get Auto Insurance in Pennsylvania with a DUI on my Record?

Yes, it is possible for Pennsylvania drivers with a DUI on their record to obtain auto insurance. Pennsylvania does not require an SR-22 form for proof of financial responsibility after a DUI conviction. However, a DUI mark remains on your record for life unless successfully expunged through a legal appeal.

It is worth noting that the presence of a DUI Insurance requirement can result in a substantial increase in premiums, potentially up to 100% or more, depending on the seriousness of the offense.

Find Low-Cost Auto Insurance in Pennsylvania Today!

At Acceptance Insurance, we understand that your insurance needs are unique and deserve personalized attention. That’s why our policies are designed to be adaptable and customizable, ensuring they fit both your requirements and your budget. Give us a call at 877-405-7102 to speak with one of our knowledgeable agents, or conveniently obtain a quick quote online. You can also visit one of our conveniently located offices.

Get Started