Cheap Pennsylvania car insurance
To drive legally in Pennsylvania, drivers need to follow the rules of the road and meet or exceed minimum car insurance limits. Finding affordable car insurance doesn't have to be a burden—we offer multiple auto insurance options that can help you get the coverage you need at a price you can afford.
How much is car insurance in Pennsylvania?
Car insurance rates in Pennsylvania can vary. According to Bankrate, drivers with "full coverage" policies can expect to pay an average of $205 per month,* while drivers who carry just enough coverage to meet Pennsylvania state insurance requirements pay an average of $45 per month.*
Who has the cheapest car insurance in Pennsylvania?
Finding cheap car insurance in Pennsylvania depends on your individual coverage needs and circumstances, including your:
Age
Driving record and claims history
Type of vehicle you drive
ZIP code
Insurance score
Comparing prices and understanding your coverage needs are essential in selecting the right insurance.
Required car insurance coverages and limits in Pennsylvania
Pennsylvania requires drivers to carry certain car insurance coverages to ensure financial responsibility in the event of an accident. These include bodily injury liability, property damage liability, and medical payments coverage. Car insurance providers will automatically add uninsured motorist and underinsured motorist (UM/UIM) coverage to your policy, but you can reject it in writing.
Bodily injury liability insurance in Pennsylvania
Bodily injury liability coverage can help pay for injuries sustained by other drivers and their passengers due to an accident you've caused. Pennsylvania requires drivers to carry at least:
$15,000 per person
$30,000 per accident
Property damage liability insurance in Pennsylvania
Property damage liability insurance can help pay for damages to others' personal property that you damage in a car accident. It usually applies to other vehicles but can also help cover structures and objects involved in a crash. Pennsylvania requires drivers to carry at least:
$5,000 per accident
Uninsured/underinsured motorist (UM/UIM) coverages
Uninsured/underinsured motorist coverages can help protect you financially if you’re involved in an accident with an uninsured or underinsured driver. UM/UIM bodily injury coverages can help compensate for insufficient limits of the at-fault driver when you’re injured in a covered incident.
These coverages are automatically added to car insurance policies in Pennsylvania, but you can decline coverage in writing when you purchase your policy. UM and UIM are distinct coverages in Pennsylvania, and you can reject one or both options.
If you choose to leave these coverages on your policy, you must carry at least:
$15,000 per person
$30,000 per accident
Medical payments coverage in Pennsylvania
Medical payments coverage can help cover medical expenses for you as the driver and your passengers, regardless of who is at fault in the accident. The minimum limit for this coverage is:
$5,000 per accident
Get a free car insurance quote today.
Optional car insurance coverages in Pennsylvania
While you must meet the above Pennsylvania state insurance requirements, you can also choose from several optional coverages to enhance your protection on the road.
Collision coverage in Pennsylvania
Collision coverage can help pay for damage to your car resulting from a collision with another vehicle or object, regardless of fault. This optional coverage can help you reduce hefty out-of-pocket expenses for repairs.
Comprehensive coverage in Pennsylvania
Comprehensive coverage can help protect you against expenses following vehicle damage from non-collision events such as theft, vandalism, fire, and some natural disasters.
Personal injury protection (PIP)
Personal injury protection (PIP) can help pay for medical expenses for you and your passengers if you’re injured in an accident, regardless of who is at fault in the accident.
Car insurance discounts in Pennsylvania
Car insurance discounts can help you save money on premiums. In Pennsylvania, we offer a range of discounts:
Multi-car
Homeowners
Prior insurance/Transfer
Paid in full
Advanced quote
Safety device
Defensive driver course
Anti-theft
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Need more than Pennsylvania car insurance?
There is more to driving legally in Pennsylvania than car insurance. Below are some additional resources and information for Pennsylvania drivers.
Driver requirements and laws
Pennsylvania requires all drivers to:
Pass written, vision, and road tests to obtain a valid driver's license
Comply with all Pennsylvania traffic laws and regulations
Register all vehicles with the Pennsylvania Department of Transportation (PennDOT)
Have any registered vehicle that moves on the highway undergo and pass an annual vehicle safety inspection
For more details, you can refer to the Pennsylvania Drivers Handbook.
Driver resources
Several state agencies provide valuable resources for drivers, whether they’re new to the state, long-time residents, or visitors.
Pennsylvania Department of Transportation
The Pennsylvania Department of Transportation (PennDOT) oversees transportation services, including driver licensing, vehicle registration, and highway safety. For more information, visit their website or contact them at 717-412-5300.
Pennsylvania Division of Motor Vehicles
The Pennsylvania Division of Motor Vehicles (DMV) handles vehicle-related services, such as title transfers, registration, and inspections. For assistance, visit their website or contact them at 800-932-4600.
Pennsylvania Insurance Department
The Pennsylvania Insurance Department regulates insurance providers and ensures consumer protection. For more information or to file a complaint, visit their website or contact them at 877-881-6388.
Dairyland® brand property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit the Underwriting Company page.
*Data accuracy is subject to this article’s publication date.
