What is the average cost of car insurance in Pennsylvania?
Pennsylvania drivers paid an average of $1,103 a year for full coverage (liability, collision and comprehensive) in 2019, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history and the car you drive.
What auto insurance is mandatory in Pennsylvania?
A car insurance policy with a minimum amount of liability coverage plus first party medical is required in Pennsylvania, a no-fault state. However, minimum coverage may not be the full extent of coverage you want.
As of December 2022, 15/30/5 liability coverage limits are the minimum required in Pennsylvania.
COVERAGE TYPE
PENNSYLVANIA MINIMUM REQUIREMENTS
Bodily injury liability
$15,000 per person; $30,000 per accident
Property damage liability
$5,000 per accident
First party medical benefits
$5,000 per person
COVERAGE TYPE
Bodily injury liability
PENNSYLVANIA MINIMUM REQUIREMENTS
$15,000 per person; $30,000 per accident
COVERAGE TYPE
Property damage liability
PENNSYLVANIA MINIMUM REQUIREMENTS
$5,000 per accident
COVERAGE TYPE
First party medical benefits
PENNSYLVANIA MINIMUM REQUIREMENTS
$5,000 per person
What does car insurance typically cover in Pennsylvania?
A typical car insurance policy in Pennsylvania includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages.
How can I lower the cost of my car insurance in Pennsylvania?
Choosing higher deductibles is one way you can keep your cost down. Another may be by bundling your car and homeowners insurance policies with the same insurer. And if you’re considering a new car, keep in mind that you may be able to save money on your insurance by choosing certain models with strong safety records. But many things about insurance premium costs are beyond your control, including inflation, rising accident rates and soaring health care costs.
Pennsylvania car insurance discounts
Farmers offers a variety of discounts for drivers in Pennsylvania. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app.
See more information about additional discounts that may be available in Pennsylvania.
Valley Forge
The Continental Army, which went on to win America’s independence from Great Britain, was forged as a cohesive fighting force here in the winter of 1777-78. — National Park Service
More coverage options in Pennsylvania
Pennsylvania home insurance
Learn more about what home insurance in Pennsylvania covers, available discounts and more.
View home insurance coverage details and discounts for Pennsylvania
Learn From Experience
Still have questions about cars and car insurance in Pennsylvania? We have answers.
Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?
To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.
What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too
What Is Uninsured Motorist Coverage?
If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.
