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Guide to Auto Insurance in Pennsylvania
Strategies to help you cut costs on car insurance in PennsylvaniaPennsylvania auto insurance coverage doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Pennsylvania, you need auto insurance in Pennsylvania. Here's what kind and how much, according to Pennsylvania state law:
- When buying auto insurance in Pennsylvania, drivers must purchase bodily injury liability (BIL), property damage liability (PDL) and personal injury protection (PIP) coverage; collision, comprehensive, uninsured motorist bodily injury (UM) and uninsured property damage coverage are recommended, but not required.
- Auto insurance in Pennsylvania must include BIL coverage of at least $15,000 per person and $30,000 per accident for costs associated with the injury or death of others in a wreck.
- Auto insurance in Pennsylvania must include PDL coverage of at least $5,000 for damage to another person's property in an accident.
- In Pennsylvania, car insurance must include PIP coverage of at least $5,000 to cover costs associated with your own injury or death in an accident.
Action Steps
The best contacts and resources to help you get it done
Browse Pennsylvania auto insurance rates online
If you need Pennsylvania auto insurance, online quotes are a good starting point. Available from all major auto insurance companies in Pennsylvania, they offer a fast and convenient way to research and compare premiums.
I recommend:
Get comprehensive online quotes from Pennsylvania car insurance providers at websites like InsWeb, Insurance.com, InsuranceUSA and InsuranceFinder, or from companies like Progressive and Esurance, which quote both their own and competitors' rates.
Solicit Pennsylvania car insurance quotes from national providers
Most major car insurance carriers offer auto insurance in Pennsylvania and all provide competitive Pennsylvania auto insurance rates.
I recommend:
Among the largest and most popular car insurance companies in Pennsylvania are AIG, Allstate, Chubb, Farmers, GEICO, The Hartford, Liberty Mutual and State Farm. National associations like AAA and AARP are also good sources for affordable auto insurance in Pennsylvania.
Get car insurance in Pennsylvania from local and regional companies
In Pennsylvania, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.
I recommend:
For automotive insurance in Pennsylvania, try Pennsylvania-based companies like Mid-Continent Insurance Company, Penn National Insurance and Erie Insurance. Also consider local programs, like the Pennsylvania Assigned Risk Plan, which exists for drivers who can't easily find auto insurance in Pennsylvania.
Use an independent agent to find Pennsylvania car insurance bargains
Buying car insurance in Pennsylvania via an independent insurance agent can expose you to new resources, practical advice and special rates.
I recommend:
To find an independent agent who can sell you car insurance in Pennsylvania, use the “find an independent agent” feature at the Independent Insurance Agents & Brokers of America website.
Choose Pennsylvania auto insurance companies that you can trust
Before doing business with Pennsylvania car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
I recommend:
If you subscribe to Consumer Reports, you can check up on car insurance companies in Pennsylvania. Another good resource is the Pennsylvania Insurance Department, which licenses auto insurance companies in Pennsylvania and compiles statistics on complaints against them.
Tips & Tactics
Helpful advice for making the most of this Guide- Consider buying more coverage than is required by state law; minimum Pennsylvania car insurance might not be enough to cover car repairs or medical bills after an accident.
- Penalties for drivers who don't have Pennsylvania car insurance include driver's license and license plate suspension, as well as cash fines.
- If you're leasing or financing your car, dealerships might require you to have more and better Pennsylvania auto insurance than is required by state law.
- Higher deductibles typically mean lower premiums and more monthly savings on auto insurance in Pennsylvania.
