Cheap Car Insurance in Pennsylvania 2019
Average Pennsylvania auto insurance premiums by company
| Company Click to see reviews | Average yearly premium in Pennsylvania |
|---|---|
| The Hartford | $1,416 |
| Erie Insurance | $1,482 |
| Travelers Insurance | $1,612 |
| American National | $1,656 |
| Nationwide Insurance | $1,662 |
| AAA Insurance/Auto Club | $1,695 |
| State Farm | $1,727 |
| Safeco | $1,775 |
| USAA (must have a military affiliation to apply) | $1,779 |
| The General | $1,797 |
| Allstate | $1,801 |
| Farmers | $1,813 |
| Allied | $1,879 |
| Progressive Insurance | $1,910 |
| Liberty Mutual | $1,974 |
| Esurance | $1,993 |
Insurance increase after a speeding ticket
Pennsylvania drivers who get a speeding ticket pay an average insurance increase of 20%, which is less than the nationwide average increase.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| Pennsylvania | $1,760/year | $2,104/year | 20% |
| Nationwide average | 26% | ||
Insurance increase after an accident
Pennsylvania drivers who cause an accident get an average insurance increase of 39%, slightly higher than the national average increase.
| State | Clean driving record | Chargeable accident, no injury | % increase |
|---|---|---|---|
| Pennsylvania | $1,760/year | $2,446/year | 39% |
| Nationwide average | 36% | ||
Average premiums in Pennsylvania cities
Car owners in Lansdowne, near Philadelphia, are paying the most for auto insurance among the Pennsylvania cities in our rates survey.
| City | Average annual premium |
|---|---|
| Allentown | $1,771 |
| Altoona | $1,626 |
| Bensalem | $1,813 |
| Bethlehem | $1,666 |
| Butler | $1,559 |
| Chester | $1,941 |
| Coatesville | $1,944 |
| Darby | $2,301 |
| East Stroudsburg | $2,023 |
| Easton | $1,682 |
| Erie | $1,587 |
| Harrisburg | $1,686 |
| Lancaster | $1,664 |
| Lansdowne | $2,357 |
| Lebanon | $1,502 |
| Levittown | $1,757 |
| Mechanicsburg | $1,585 |
| New Castle | $1,429 |
| Norristown | $1,665 |
| Philadelphia | $2,192 |
| Pittsburgh | $1,650 |
| Pottstown | $1,672 |
| Reading | $1,765 |
| Scranton | $1,545 |
| Upper Darby | $1,997 |
| West Chester | $1,650 |
| Wilkes Barre | $1,577 |
| Williamsport | $1,577 |
| York | $1,681 |
No-fault insurance in Pennsylvania
Pennsylvania requires personal injury protection (PIP). The state uses a no-fault insurance system. That means you make small injury claims on your own policy, no matter who caused the accident. PIP pays these claims.
You must buy at least $5,000 in PIP. In Pennsylvania, drivers also choose between "limited tort" and "full tort" policies. "Limited tort" will cost less. This choice affects your right to sue after a car accident. Here's a quick summary:
- Limited tort: You can sue someone medical bills and other out-of-pocket expenses. But you can't sue for pain and suffering unless the injuries meet the definition of "serious injury." Pennsylvania law defines "serious injury" as: A personal injury resulting in death, serious impairment of body function or permanent serious disfigurement.
- Full tort: You can sue someone for medical bills, pain and suffering and other non-monetary damages.
Read more about no-fault insurance.
You must show an insurance ID card (or other proof of financial responsibility) in Pennsylvania when:
- Law enforcement requests it
- You renew vehicle registration
- Your vehicle is involved in a car accident
Penalties for not having car insurance in Pennsylvania
If you don't have liability insurance on your vehicle, you could face the following fines and penalties:
- A minimum fine of $300
- A three-month suspension of your driver's license
- A three-month suspension of your vehicle registration
Source: Pennsylvania Department of Transportation
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 21, 2019
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