Pennsylvania’s average car insurance cost is $427 for minimum liability coverage and $1,476 to cover full coverage, which includes collision and comprehensive insurance. Your lender may require that you purchase more expensive coverage if you finance or lease a vehicle. Knowing the cost of car insurance will allow you to make informed decisions and choose the best insurer. This is the first step to saving money on your Pennsylvania car insurance and finding affordable coverage.
What is the cost of car insurance in Pennsylvania?
Bankrate’s findings of cost of car insurance nationwide place Pennsylvania’s $427 for minimum coverage and $1,476 for full coverage, which is below the national average of $565 for basic and $1,674 for full coverage. Car insurance can be affordable or not depending on the state’s insurance requirements. Other factors, such as age, driving record, ZIP code and carrier, can also impact your premiums. Bankrate has detailed information on these factors.
Pennsylvania car insurance rates by firm
Get online quotes from top insurance companies to find the best car insurance rates in Pennsylvania. Based on the annual premiums for full and minimum coverage, Bankrate’s findings are:
Car insurance rates in Pennsylvania by city
For a comprehensive overview of the reasons why your city is important, see the top 20 cities by population. Philadelphians pay twice as much for car insurance than residents of Lancaster York Harrisburg, Mechanicsburg and Altuna.
Cost of living in Pennsylvania, and car insurance
It is important to consider your other expenses when shopping for car insurance rates in Pennsylvania. This will allow you to calculate your total living expenses. Below is a graph that shows Pennsylvania’s average annual cost of living, which includes the average cost for car insurance. This graph can be used to determine your annual expenses and help you decide on the best insurance rates for your budget.
Pennsylvania car insurance rates for driving record
Safe drivers who aren’t involved in traffic violations or accidents can save hundreds of thousands every year. The cost of a DUI, which is typically around $25,000, is already bad enough. The conviction will stay on your record for 10 year, effectively guaranteeing that your premiums will double.
How to Save on Pennsylvania Car Insurance
Safe drivers are more likely to be approved for car insurance. Avoiding tickets and accidents are two of the best ways to cut down on Pennsylvania vehicle insurance.
- Accident forgiveness:Insurance companies may offer the opportunity to wipe one accident from your record. This could help you avoid an increase in premiums.
- Telematics:You may be able to sign up for a safe-driving course through some carriers. To enroll, you will need to download a smartphone application that tracks your driving habits. You can drive safely to get discounts on your car insurance.
- Driving courses for defensive driving:Many insurance companies have an approved list of online defensive driving courses that you can take in a matter of hours. If you pass, the courses will improve your driving skills as well as lower your premiums.
- Safe driver:You may qualify for a higher car insurance discount if you aren’t involved in an accident or move violation.
Pennsylvania requirements for car insurance
Pennsylvania’s state laws require all vehicle owners to carry car insurance or face a $300 fine and/or suspension of their license and registration. The state requires that you have liability coverage.
- $15,000 per person for bodily injury and $30,000 per accident for damages and injuries you cause to others
- $5,000 in property damage per accident
- No matter who is at fault, you can get $5,000 in personal injury protection (PIP), to cover your medical expenses.
It is possible that the minimum coverage provided by the state may not provide enough coverage. If you have $5,000 property damage coverage but only $12,000 in accident damage, then you will need to pay $7,000 extra out of your own pocket. Additionally, if your vehicle is damaged in an accident, liability insurance doesn’t cover the cost of repairs. You will have to pay all costs.
Questions frequently asked
What penalties are there for driving without insurance in Pennsylvania?
Driving without insurance in Pennsylvania can have your license suspended for three months and cost you a minimum of $300 in fines. The minimum cost to have your vehicle impounded is $94, and you will need to pay a separate fee to reinstate your driver’s license.
What is the cost of car insurance in Pennsylvania?
Pennsylvania is a state that has no fault. This means you will need to have mandatory coverage of 15/30/5 and $5,000 in PIP insurance. You may need additional collision or comprehensive coverage if you have a loan, lease, or your vehicle is new.
What amount of Pennsylvania car insurance do you need?
You will need to have 15/30/5 liability insurance and $5,000 PIP insurance in order to drive legally in Pennsylvania. The minimums set by the state may not be sufficient, particularly if you have a car you cannot afford to lose. Full car insurance that includes third-party liability and coverage for your car may be a wise choice.
What are the best times to get full car insurance?
Full car insurance is best if you plan on financing your car, leasing it, or if you have a higher-value, newer model. Your vehicle is not covered by minimum liability. Full coverage includes comprehensive and collision insurance to cover damages or losses resulting from theft, storms and fires as well as collisions.
Which Pennsylvania car insurance company is the most affordable?
Bankrate discovered that Pennsylvania’s cheapest car insurance companies are Geico (Nationwide), Penn National, Auto-Owners, and Penn National. Your premiums can be affected by many factors. Compare rates from multiple carriers to get the best rate.