If you live in Pennsylvania and want to drive, you'll need to pass your driving exam and buy and keep car insurance. The law says that you have to maintain "financial responsibility" for your vehicles. According to Pennsylvania state law, you must have enough insurance in your policy to cover the following:
- A minimum of $5,000 for medical benefits.
- At least $15,000 to cover body injuries for one passenger, with a maximum total of $30,000 for each accident.
- A minimum of $5,000 for property damage, or combined $35,000 for property and body injury.
- Limited or full tort, which is a wrongful act that leads to a legal liability. For limited tort, your payments will be lower, but you can't get money for things like pain and suffering. Full tort covers all types of damages.
If your coverage lapses for more than 31 days, the state can revoke your car's registration and driving privileges for at least three months. If you drive your car without insurance, the state can suspend your license for three months. You may also face fines and the potential loss of your vehicle while you regain coverage.
Sample of Annual Pennsylvania Auto Insurance Rates
Phoenixville Auto Insurance
Phoenixville is a northwestern suburb of Philadelphia with a population of about 16,000 people. The town was named after the Phoenix iron mill, which was the first nail factory in the nation. Phoenixville is known for its annual celebration centered around The Blob, a movie that featured the town, as well as the Firebird Festival, in which the town burns a wooden phoenix during a bonfire.
Just south of Phoenixville, the Pennsylvania Turnpike, Interstate 76, runs east into Philadelphia, and west toward Pittsburgh. U.S. Route 422 also passes near Phoenixville. Three Pennsylvania state highways (Routes 23, 29, or 113) all cross through town.
Philadelphia Auto Insurance
Philadelphia is the fifth largest city in the country, and the largest in Pennsylvania, with a population of about 1.5 million people. The Founding Fathers met in Philadelphia, better known as "Philly," during the time of the American Revolution to sign the Declaration of Independence and later the Constitution. The movie boxer Rocky also famously ran up the steps of the city's art museum. Philly is also home to the University of Pennsylvania and other colleges.
The Pennsylvania Turnpike, Interstate 76, runs through downtown Philadelphia west toward Pittsburgh. Interstate 95 follows the Delaware River as it passes through Philadelphia, heading north toward New York City and south toward Washington, D.C. The Southeastern Pennsylvania Transportation Authority, better known as SEPTA, operates trains and buses throughout Philadelphia. The 30th Street Station is a major hub, through which Amtrak, SEPTA, and NJ Transit run.
Pittsburgh Auto Insurance
Pittsburgh is the second-largest city in Pennsylvania with a population of about 305,000 people. The "Steel City" earned its nickname from the prominent steel industry in town. Pittsburgh is also famous for its many bridges, which help drivers cross the Allegheny River, Monongahela River, and Ohio River, which all converge in the city.
Interstates 376 and 279 both run through downtown Pittsburgh. While the Pennsylvania Turnpike, Interstate 76, and Interstate 79, loop around the outskirts of the city.
Erie Auto Insurance
Erie is the fourth-largest city in Pennsylvania with a population of about 100,000 people. Situated along the Great Lakes, the city is named after Lake Erie. Erie is also known as the Gem City. Each year, millions of tourists visit Presque Isle State Park in Erie.
From Erie, Interstate 90 runs southwest toward Cleveland and northeast toward Buffalo. Interstate 79 begins in Erie and runs south toward Pittsburgh. Peninsula Drive connects the town of Erie with Presque Isle State Park.
Scranton is in northwestern Pennsylvania and initially grew as an iron and steel manufacturing community. The city later became the center of coal processing in the area. Scranton became known as "Electric City" after it became one of the first cities to have an electric trolley system.
U.S. Highway 6 leads northeast to Carbondale. Interstate 81 goes north to New Milford. Interstate 81 goes south to Hazelton.
Merion Station is a suburb of Philadelphia. The city is part of what is known as the Philadelphia Main Line, a collection of communities that lie along a now-defunct rail line. The area was settled by Welsh immigrants in the late 1600s.
U.S. Highway 1 goes northeast across the Schuylkill River and into North Philadelphia. U.S. Highway 1 goes south to Upper Darby. U.S. Highway 30 goes northeast to Bryn Mawr.
Cranberry Township Auto Insurance
Cranberry Township is a northern suburb of Pittsburgh with a population of about 28,000, which is expected to double by 2030. The Cranberry Mall is a top attraction for local residents. The Pittsburg Penguins practice in Cranberry Township.
The Pennsylvania Turnpike, Interstate 76, and Interstate 79 converge in Cranberry Township, with both running south toward Pittsburgh. But U.S. Route 19 offers the most direct route from Cranberry Township into the Steel City. Pennsylvania Route 228 also runs through the center of town.
Monroeville Auto Insurance
Monroeville is an eastern suburb of Pittsburgh with a population of about 28,000 people. The town's top attractions include the Monroeville Mall and Monroeville Convention Center.
The Pennsylvania Turnpike, Interstate 76, crosses through Monroeville on the outskirts of Pittsburgh, and runs east toward Philadelphia, and northwest toward Akron, Ohio. Interstate 376 is an offshoot of Interstate 76 that begins in Monroeville and runs west into downtown Pittsburgh. U.S. Route 22 also cross through Monroeville.
Finding Auto Insurance Resources in Pennsylvania
If you are moving to Pennsylvania or are getting car insurance for the first time, you can find many places to get info and help. For questions related to driver's licenses and vehicle registration, PennDOT is best site to visit.
If you want to know more about insurance in the state, visit the Pennsylvania Insurance Department website. Aside from insurance information, you can also find a certified insurance company and file complaints directly with the department.
Getting Pennsylvania Auto Insurance
Make sure you shop around to find the best insurance rates. If you are in a high risk driver category, have a bad driving record, or simply can't get insured, the state can help you out. You can check out Pennsylvania's Assigned Risk Plan website to find out more.
Your insurance company will give you enough coverage to meet standards. You can also opt for other types of coverage, but it will cost more. If you want to lower your premiums, there are some things you can do.
1. Drive safely at all times. Pennsylvania uses a points system that adds points to your record depending on the violation. However, the state deducts three points for every year you don't have a negative mark on your record. If you have a clean record, you may be able negotiate lower rates with your company.
2. Take an AARP Driver Safety Course. Pennsylvania is one of the few states that participate in the AARP Driver Safety Course program. If you are over 55 and you can pass this test, then you are entitled to a policy discount.
Moving to Pennsylvania: Important Information
If you're moving to Pennsylvania from another state, you'll need to transfer your license within 60 days of establishing residency. Bring your valid out-of-state license to the DMV office along with proof of identification and residency. Complete the form, pay the fee and pass the vision test to get your new Pennsylvania license.
You'll also need to register your car and get the proper insurance within 20 days of moving to Pennsylvania. Go to the nearest office, bring the car's title and vehicle identification number (VIN) certificate, fill out the forms, and pay a registration fee to the state. PennDOT will inform you if your vehicle is subject to an emissions inspection.
Understanding Driving Laws in Pennsylvania
Driving laws are more or less standard throughout the U.S. However, as a driver in Pennsylvania, you must know about the laws that are unique to the state.
If you own a car, you must have it checked for safety and emissions every 12 months. You'll receive a sticker that shows the emissions test is valid for a year. If a police officer catches you driving without the sticker on your car, you may receive a ticket.
Another Pennsylvania specific law called the “headlight / windshield wiper law” states that when you use your wipers in bad weather conditions, you also need to turn on your headlights and taillights. If you don't, you may receive a fine.
Frequently Asked Questions About Pennsylvania Auto Insurance
When you shop for auto insurance, you may have questions about policies and coverage. Check out the following frequently asked questions to know more about auto insurance in the state.
1. If I go to jail for drunken driving, can the insurance company cancel my policy?
According to state law, if you incur a DUI charge, your license will be suspended. This is one of the reasons an insurance company may cancel your policy.
2. Will excluding someone from my policy help me get a lower rate?
If you have a teenager or spouse in your home and can prove that he or she has insurance elsewhere, you can have that person excluded. This can help lower your premium, especially if that person is an underage driver or one with a poor driving record.
3. Do I need to contact the state when I switch to a new insurance company?
Yes, you must inform PennDOT that you have a new insurance company and policy in effect. However, you only need to do so if the state sends you a request.
How to Get Great Rates on Pennsylvania Auto Insurance
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.
Pennsylvania Auto Insurance Resources
We offer more than just awesome Pennsylvania auto insurance quotes. Here are some resources for more information:
Pennsylvania Department of Insurance
An insurance resource for Pennsylvania residents
Pennsylvania Driver and Vehicle Services
A public service portal offering tools and information for Pennsylvania drivers
Insurance Information Institute
A general consumer resource for insurance-related issues
Pennsylvania Cell Phone Driving Laws
Can you talk and drive in Pennsylvania?
insuranceQuotes.com Auto Rate Methodology
Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.