The Keystone State
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Pennsylvania Auto Insurance
Pennsylvania was home to seamstress Betsy Ross and the first American flag, it’s where our founding fathers signed the Declaration of Independence and it’s where you go for a good Philly cheesesteak. But like anywhere you would choose to live, Pennsylvania carries potential dangers on the road that you should protect yourself from. That is why, like the majority of other states in the country, Pennsylvania requires you to maintain Auto Insurance.
Auto Insurance rates in Pennsylvania can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!
Try our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners’ rates for the coverage you select, and you can even pick the price you like.
Required Auto Insurance in Pennsylvania
Without Auto Insurance, an accident could be detrimental to your financial situation. In addition, it’s against the law to drive in Pennsylvania without the proper Auto Insurance. It is required for all Pennsylvania drivers to have Liability Insurance and Personal Injury Protection. Liability Insurance covers the other people and property involved in an accident, up to your policy’s limits. Keep in mind that you could be required to cover medical bills, lost wages, property damages, pain and suffering, car rental costs and more without the right coverage. Personal Injury Protection (PIP) covers injuries that you may sustain in a car accident, regardless of who is at fault. It is required that Pennsylvania drivers have these types of Car Insurance and meet the specific minimum requirements for each.
State Minimum Liability Coverage in Pennsylvania
- BI or Bodily Injury Liability: $15,000 per person and $30,000 per accident
- PD or Property Damage Liability: $5,000 per accident
- Medical Payments: $5,000 per accident
To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Pennsylvania
Although one might think that the state-required minimum coverage would be sufficient, there are many cases where it won’t be. We recommend that you consider additional coverage options, as well as higher policy limits, in order to better protect you, your family and your finances.
Below are some examples of optional Car Insurance coverages you may want to consider:
- Collision Coverage*: Following an accident, this type of coverage pays for damages to your own car. Vehicle repairs in general are costly, and the national average repair costs after an accident are close to $3,000! Without Collision coverage, an accident could put quite a toll on your finances for any necessary car repairs.
- Comprehensive Coverage*: Storms, tornadoes, flooding and other weather extremes are very real concerns for those who live in Pennsylvania. A natural disaster could be potentially catastrophic for your car, and your wallet. With Comprehensive coverage, you’re covered, up to your policy’s limits, for non-collision-related vehicle damage.
- Underinsured/Uninsured Motorist Coverage: Unfortunately, even though it is required by law to purchase Auto Insurance, some drivers still choose to drive without it. Pennsylvania may have one of the lowest uninsured driver estimates but finding yourself in a collision with an uninsured motorist will be more than just unlucky. Without this additional coverage, you may have to pay for damages to your vehicle out of your own pocket, even if the accident wasn’t your fault.
- Higher Bodily Injury Limits: Medical bills are unquestionably expensive, especially for those involved in collisions. You may be held responsible for the incurred medical expenses of those hurt in the accident. Because these costs can be significant, you may want higher BI limits than the state minimum.
- Higher Property Damage Limits: $5,000 is the minimum PD coverage that you must carry in Pennsylvania, but that amount is fairly small. Consider this: on top of vehicle repairs, you may need to pay for damage to other property such as light poles, fences and buildings. This being the case, $5,000 probably won’t cover all of it. We recommend that you increase your policy limit to better protect yourself financially.
*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.
Many times, the minimum state-mandated Auto Insurance requirements are simply not enough to protect you from a disastrous situation. Auto Insurance Specialists can help you determine your specific Auto Insurance coverage needs, so give us a call today.
Pennsylvania is a No-Fault State
Pennsylvania is one of the few states that adopt a “no-fault” system, and it also one that allows you to decide against it. For those who choose a no-fault system, each person involved in a collision would turn to their own insurance company for compensation for injuries and damages. In addition, each individual would give up some litigation rights. For individuals who don’t want a “no-fault” policy, fault will need to be determined, and that insurance company would be responsible.
If the difference between these two systems is still a bit fuzzy, call a licensed and knowledgeable AIS agent to get your questions answered, so they can find the right policy for you.
Most Stolen Car Models in Pennsylvania
There are multiple factors that go into calculating your Auto Insurance premium, including the risk of your car getting stolen. Certain car models attract thieves more than others. According to the www.nicb.org, these are the top 9 cars that get stolen in Pennsylvania:
- Honda Accord
- Ford Pickup (Full Size)
- Toyota Camry
- Nissan Altima
- Toyota Corolla
- Chevrolet Impala
- Honda CR-V
- Jeep Cherokee/Grand Cherokee
- Chevrolet Pickup (Full Size)
Pennsylvania Auto Insurance Discounts
Auto Insurance can be of great financial assistance to you after a car accident, but only if you have the right coverage. Additionally, you may qualify for discounts that could provide you with significant savings so that you’re financially protected at a great price.
Some of the Pennsylvania Car Insurance discounts you may qualify for include:
- Safe Driver
- Good Student
- Accident Free
To learn more about specific discounts, visit our Discounts page.
Though Pennsylvania drivers seem to be incredibly responsible (only 7% of drivers don’t have Auto Insurance, after all), it’s still important that you consider your options and protect yourself accordingly. Also keep in mind that Pennsylvania is home to some serious weather-related dangers, which could wreak havoc on your car and your wallet. Call an AIS Insurance Specialist today to see how we can help with your Pennsylvania Auto Insurance needs!