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Car Insurance in Pennsylvania (Updated May 2024)

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Pennsylvania Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Pennsylvania however, drivers are paying 8% less for car insurance than the national average, with Full Coverage costing Pennsylvania drivers an average of $174 per month

Similar to other states, the rates in Pennsylvania can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Pennsylvania. Read on to learn more about properly insuring your car in Pennsylvania. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Pennsylvania Car Insurance Laws

Pennsylvania requires all drivers to carry minimum liability insurance coverage. You can also choose a limited tort or full tort insurance policy in Pennsylvania.

A limited tort policy limits you from suing for pain and suffering as a result of an accident unless you sustain serious injuries. This policy often results in lower premiums, but it also restricts your rights in the event of an accident. 

A full tort policy allows you to sue for all damages, regardless of the severity of your injuries. You’ll likely have higher premiums, but this policy provides more comprehensive coverage.

Pennsylvania’s car insurance minimums are:

  • $15,000 in bodily injury liability per person
  • $30,000 in bodily injury liability per accident
  • $5,000 in property damage liability

These minimums are much lower than the national average for each category.

Proof of Insurance

“ Driving uninsured in Pennsylvania is a severe offense, resulting in hefty fines, license suspension ” 


Pennsylvania doesn't offer a car insurance grace period for new cars. Driving uninsured in Pennsylvania is a severe offense, resulting in hefty fines, license suspension, and/or vehicle registration suspension. You can pay a civil penalty fee of $500 on your first offense to avoid any license and vehicle registration suspension..

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Pennsylvania?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Pennsylvania?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Pennsylvania?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.