Pennsylvania Car Insurance - Auto Insurance Quote in PA
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| Current average car insurance premium in Pennsylvania | $1,373.23 |
| Current average car insurance premium U.S. | $1,602.16 |
| Philadelphia | $2,313.05 |
| Pittsburgh | $1,459.69 |
| Check out our car insurance rates in more Pennsylvania cities | |
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You might want to look at CarInsurance.com's Average Premium Trend Tool, which shows changes in auto insurance rates over the past few months. It may not be your imagination if you think rates are rising.
Philadelphia, legendary for its role in America's independence, is the largest city in Pennsylvania, with about 1.5 million residents (according to recent figures). Women make up more than 53% of the population.
Many factors can affect the cost and value of an auto insurance policy, from your driving record to the amount of liability limits you need. This site can assist in determining the ideal coverage for you and your family. A good first step is to know what the legal requirements are in Pennsylvania.
Pennsylvania state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage.
Minimum Required Insurance Coverage in Pennsylvania
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $5,000 Limit
First Party Benefits (PIP): $5,000
The state of Pennsylvania follows a Tort system where you can choose tort options to define your right to compensation in the event that another party injures you or members of your household in an auto accident. You may choose between Full Tort or Limited Tort. If you choose the Full Tort option, your rights to financial compensation for injuries caused by other drivers is unrestricted.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. Pennsylvania state law requires a minimum Personal Injury Protection coverage of $5,000.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Pennsylvania does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
A Minimum State required package is available from CarInsurance.com's coverage page. There are also tools available in the quote process allowing you to customize a policy reflecting your personal situation. Pennsylvania-licensed agents can help.
Think there's no need to comparison shop because state regulators and insurance companies set fixed rates? Think again. The companies actually have much leeway in deciding what they'll charge for coverage. That means you need to shop around for the best deal, one that suits your driving needs.
Pennsylvania thieves are driving up your car insurance rates, especially if you own one of the vehicles on this list:
