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Car Insurance Requirements for Pennsylvania

It is always prudent to have a good car insurance policy in Pennsylvania before you get on the road. It not only helps you avoid all kinds of legal troubles but also protects your car, family, property and other assets such as a savings account.

Coverage Type Minimum Amount (in $s)
Bodily Injury Liability Per Person 15000
Bodily Injury Liability Per Accident 30000
Property Damage Liability 5000
Uninsured Bodily Injury Per Person 15000
Uninsured Bodily Injury Per Accident 30000
Uninsured Property Damage Per Accident Optional
Underinsured Bodily Injury Per Person 15000
Underinsured Bodily Injury Per Accident 30000
Medical Payments Per Person 5000
Medical Payments Per Accident Optional
Weekly Lost Wages Optional
Accidental Death Benefit Per Person Optional
Property Protection Optional
Collision Protection Optional
Comprehensive Optional
Roadside Assistance Optional
Rental Car After Accident Optional

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Average Pennsylvania  Car Insurance Rate

Pennsylvania  ranks number 16 for the car insurance cost by state. Average cost of car insurance including non-mandatory coverages such as Umbrella and Rental insurance in Pennsylvania  is $1286.59 with a monthly rate of $107.22. Below is a detailed estimated breakdown of the car insurance costs in Pennsylvania . Please note that actual rates will vary based on several factors including your age, credit score, driving history, neighborhood and the type of car. It is always good to have a higher coverage than what is required by state to protect your other assets including home and savings.

Coverage Type Annual Cost
Liability $606.61
Collision $397.76
Comprehensive $175.29
Rental Car $24.67
PIP/Medical $40.37
Umbrella $41.89
Monthly Payment $107.22
Annual Premium $1286.59

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Best Insurance Companies in Pennsylvania 

1. Liberty Mutual
2. Electric Insurance
3. Safeco
4. AllState
5. GEICO
6. Progressive
7. Farmers
8. Esurance
9. Amica
10. Nationwide
11. AIG
12. Country Financial

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Top Autos Insured in Pennsylvania 

1. Toyota Camry
2. Honda Accord
3. Hyundai Sonata
4. Kia Rio
5. FORD F150
6. Ford Explorer
7. Mercedes Benz E350 4Matic
8. Lexus ES350
9. Toyota Tacoma
10. Honda CRV
11. Nissan Altima
12. Chevrolet Blazer
13. Audi A4
14. Chevrolet Mailibu
15. Honda Civic

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Insurance Rate Factors in Pennsylvania 

Several factors can impact your car insurance rate. Below is the discussion of a few of them.

Coverage Bundle
Insurance companies love to bundle car, home and business policies or at least car and home. You can save up to 45% if you have a multi-car and/or a car and home policy together.

Neighborhood
Your insurance rate may vary by the zip code you live in even within the same city. Several factors including crime rate, demographics and traffic impact your insurance rates. For example, if there have been a lot of accidents in the neighborhood or several cars have been stolen or vandalized it will be considered a high risk area and your insurance rate will go up.

Vehicle Type
Vehicle age, make, model, and saftey features can significantly impact your insurance rates. Several factors including crash reports, price, safety features, and theft rates will be factored in.

Driving Record
Got a few accidents and/or speeding tickets on your driving record you are likely to pay a much higher premium than others. Similarly, if you have a criminal record, DUI conviction, or SR-22 requirement, your car insurance will be sky high.

Credit Score
Car insurance companies treat a credit score as a safe driving indicator. They assume that higher the credit score, more responsible the drive will be and less likely s/he would have an accident or other traffic violations. Therefore, drivers with higher credit scores are rewarded with lower insurance rates.

Age
The age of drivers on a policy can also impact the car insurance rates. If there are teen drivers in the family who have their own cars, the car insurance rate is expected to be much higher for the family than those who have teens as occasional drivers. Similarly, drivers above the age of 30 get lower insurance rates than the drivers who are 30 or above. Once you hit 30 you can expect your car insurance rates to can go down significantly because you are considered a lower risk driver unless you have accidents or other traffic violations

Marital Status
Insurance companies consider married individuals as lower risk drivers compared to those who are single. Therefore, if you are married and have no accidents or traffic tickets you are likely to enjoy better insurance rates than those who are single. Yes, there are other perks of being married besides the companionship. Couples who are not legally married but have been living together for a long time may also enjoy lower insuance premiums.

Driver's Ed
If you have recently gone through driver's safety education, you may enjoy some discounts on your car insurance premiums.

Driving Distance
Insurance companies also consdier the daily and annual commute distance to rate your insurance policies. Driver's who commute less than 10 miles a day for work or school are considered lower risk than those who will commupte 50 or more miles. Similarly, drivers who drive less than 10,000 miles per year are likely to enjoy lower premiums than those who drive more. As a matter of fact, some insurance companies have started charging drivers based on the miles driven than one fixed monthly premium.

Comparison Shopping
Comparison shopping for car insurance is as important as it is to do for a new car or a home loan. Car insurance buyers shall compare insurance quotes from at least 3 to 5 insurance agent before buying or renewing a policy. If you have been with the same insurance company for the last few years then it may be worth looking at a different one as insurers increase rates every year and loyalty rarely saves you any money. Normally, you should look for a newer policy every 18 to 36 months. Switching too soon e.g. every 6 months can hurt your insurance score thus costing you higher. If you were forced by a car dealer or finance company to buy insurance from a particular company at the time of purchase you should switch to a newer company that is likely to have lower insurance rates.

Insurance Experts
While shopping for car insurance online can be fun, it may not be the most economical insurance policy available. Talking to an insurance agent can put some extra dollars in your pocket. Experienced insurance agents are usually aware of the hidden insurance discounts that you may not be able to find online.

Deductible Amount
Your deductible may also dictate your insurance rate. If you are a safe driver, then you can go for a higher deductible amount. For example, instead of $250 going for $500 can easily reduce your monthly premium by 10% or so. However, if you decide to go this route then you should keep the deductible money in your rainy day funds. Just in case you need it.

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Ticket for Driving Without Insurance

If your motor vehicle is not insured with liability insurance, you could face the several penalties and expenses including a minimum of $300 fine for driving uninsured. You will also have to face a three-month suspension of your driverÍs license and suspension of your vehicle registration. You will ahve to pay $88 to restore your drivers license and another $91 for the vehicle registration. No one in the family will be able to drive the vehicle untill all fees and fines are paid.
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