Auto Insurance in Pennsylvania
No-Fault / PIP State — Pennsylvania drivers pay an average of $1,610/year for full-coverage auto insurance — near the national average across the nation for cost.
Pennsylvania Minimum Liability Requirements
State law requires a minimum of 15/30/5 (no-fault choice) (bodily injury per person / per accident / property damage). These minimums are the legal floor — not a recommendation. A single serious accident can easily exceed these limits and expose you to personal liability.
Key Pennsylvania Auto Insurance Factor
Pennsylvania is a 'choice' no-fault state. Drivers select either 'limited tort' (lower cost, limited lawsuit rights) or 'full tort' (higher cost, unrestricted lawsuit rights). PA's property damage minimum ($5K) is critically low.
What Full Coverage Includes in Pennsylvania
- Liability: Covers injuries and property damage you cause to others (required by law)
- Collision: Covers damage to your vehicle from an accident
- Comprehensive: Covers theft, weather, fire, and non-collision damage
- PIP (Personal Injury Protection): Required in Pennsylvania — covers your medical bills regardless of fault
- Uninsured/Underinsured Motorist: Protects you from drivers with no or insufficient coverage
Frequently Asked Questions
What is the average cost of auto insurance in Pennsylvania?
The average annual cost of full-coverage auto insurance in Pennsylvania is $1,610/year. Rates vary based on your driving record, vehicle type, ZIP code, age, and coverage levels. Use our estimator above to get a personalized figure.
What are Pennsylvania's minimum auto insurance requirements?
Pennsylvania requires minimum liability coverage of 15/30/5 (no-fault choice) (bodily injury per person / per accident / property damage). Pennsylvania is a no-fault state, so PIP coverage is also required. These are legal minimums — most financial experts recommend carrying significantly higher limits.
Is Pennsylvania a no-fault auto insurance state?
Yes, Pennsylvania is a no-fault state. This means your own PIP (Personal Injury Protection) coverage pays for your medical expenses after an accident regardless of who was at fault. Pennsylvania is a 'choice' no-fault state. Drivers select either 'limited tort' (lower cost, limited lawsuit rights) or 'full tort' (higher cost, unrestricted lawsuit rights). PA's property damage minimum ($5K) is critically low.
How can I lower my auto insurance premium in Pennsylvania?
Common ways to reduce your premium in Pennsylvania include: maintaining a clean driving record, bundling auto and home insurance, raising your deductible, qualifying for good driver or good student discounts, and shopping multiple insurers annually. Use the estimator above to see how different coverage levels affect your estimated premium.