Pennsylvania Car Insurance

Compare rates from 20 car insurance companies in Pennsylvania.

Your information is secure.

Here's what you need to know when driving in Pennsylvania

Across the Keystone State, there are 253,838 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

State minimum insurance requirements in Pennsylvania

In Pennsylvania, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $15,000 per person
  • Bodily Injury $30,000 per accident
  • Property Damage $5,000 per accident
First Party Medical Benefit
  • $5,000 per person
Tort Option
  • Full or Limited
Optional coverage in Pennsylvania (varies by carrier):
  • Accidental Death Benefit
  • Extraordinary Medical Benefit
  • Funeral Expense Benefit
  • Income Loss Benefit
  • Combined First Party Benefit
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Liability coverage is legally required in Pennsylvania and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Pennsylvania, the minimum is listed as 15/30/5 and explained below:

$15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$5,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

First Party Benefit provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. FPB will cover medical expenses such as hospital bills, medical, dental, and nursing services resulting from an accident. In Pennsylvania, minimum FPB coverage of $5,000 per person is required on your policy.

The Tort Option in Pennsylvania will determine the policyholder’s right to sue another driver for pain and suffering. Selecting a limited Tort option restricts your right to sue another driver for non-monetary damage except for extreme circumstances concerning death or permanent disfigurement in return for a lower premium. Choosing a full Tort option allows the policyholder to sue for any post-accident related pain and suffering and usually comes with a higher premium.

These numbers reflect the minimum limits required in Pennsylvania but higher coverage amounts are available with most companies.

Pennsylvania is a no fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Top Pennsylvania Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Pennsylvania?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Pennsylvania you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Pennsylvania?

Uninsured Drivers in Pennsylvania
Pennsylvania

7%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Pennsylvania cities?

Rank City Avg. Annual Premium
1 Philadelphia $2,017
2 Drexel Hill $1,519
3 Chester $1,407
4 Levittown $1,393
5 Norristown $1,294
6 Allentown $1,119
7 Erie $1,093
8 Reading $1,088
9 Easton $1,080
10 Pittsburgh $1,074
11 Municipality of Monr $1,070
12 Wilkes-Barre $1,068
13 Plum $1,068
14 Hazleton $1,067
15 Bethlehem $1,066
16 Scranton $1,060
17 New Castle $1,036
18 Altoona $1,022
19 Harrisburg $1,005
20 Bethel Park $999
21 Lancaster $985
22 Williamsport $976
23 Lebanon $941
24 York $935
25 State College $887

More questions?

Check out other FAQs and ask your own Pennsylvania car insurance questions here.
Driving Laws

Pennsylvania Texting and Driving Laws

  1. Ban on text messaging for all drivers
Alcohol Related Fatalities

409

Per Year in Pennsylvania
Annual DUI Arrests
Pennsylvania
53,319
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's expensive to get car insurance in Pennsylvania!

Dang! Pennsylvania is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since Pennsylvania might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Pennsylvania?
Rank Company Name Avg. Annual Premium
1 General Casualty $733
2 Travelers $795
3 USAA $801
4 Erie $808
5 Penn National $824
6 Auto-Owners $983
7 Amica $1,002
8 Atlantic States $1,026
9 Donegal Mutual $1,080
10 GEICO $1,134
11 Allied $1,167
12 State Farm $1,186
13 Cal Casualty $1,210
14 State Auto $1,254
15 Encompass $1,371
16 Harleysville $1,424
17 Mutual Benefit Group $1,425
18 Progressive $1,443
19 Nationwide $1,462
20 Chubb $1,567
21 MetLife $1,708
22 Mercury $1,770
23 National General $1,916
24 Motorists Mutual $2,110
25 Liberty Mutual $2,432
26 American Independent $2,515
27 Safe Auto $2,531
28 Allstate $3,083
29 Sentry $3,322
30 Safeco $5,639
Additional Resources:

Pennsylvania Car Insurance

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Meet Adam & Josh: 30 Things You Didn’t Know about the “Forbes 30 Under 30” Winners
Meet Adam & Josh: 30 Things You Didn’t Know about the “Forbes 30 Under 30” Winners
Jan 11, 2017

Forbes is known for its lists. We won’t attempt to count the times Oprah or Taylor Swift have topped any number...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

When Is It Worth It to Pay for More Liability Coverage?
When Is It Worth It to Pay for More Liability Coverage?
Nov 23, 2016

Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...

Help, My Car is a Lemon!
Help, My Car is a Lemon!
Sep 20, 2016

You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...

Who’s to Blame? Defining “Fault” in an Insurance Scenario
Who’s to Blame? Defining “Fault” in an Insurance Scenario
Sep 07, 2016

To the uninitiated, fault sounds easy enough: it ought to be assigned to the perpetrator of a crash, right? And...

Are Vehicle Inspections Really About Safety?
Are Vehicle Inspections Really About Safety?
Jul 18, 2016

The world of automotive regulations is quite complicated. For instance, each state makes and maintains its own regulations for auto...

Bow-OW! Do You Need Car Insurance for Your Pet?
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016

Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...

Ridesharing Hacks: How to Uber at the Airport
Ridesharing Hacks: How to Uber at the Airport
Dec 10, 2015

Arriving at the airport: one part excitement, one part did-I-remember-everything jitters, and five parts how-do-I-get-to-my-final-destination hassle (if you travel frequently,...

What is PIP Insurance and Do You Really Need It?
What is PIP Insurance and Do You Really Need It?
Nov 16, 2015

Commonly called PIP for short, personal injury protection insurance protects you against—you guessed it—personal injury. If you get in an...

Texting and Driving and Car Insurance! Oh My!
Texting and Driving and Car Insurance! Oh My!
Nov 05, 2015

The fact that texting and driving is dangerous isn’t news to anyone—the dangers of distracted driving are well documented, and...

Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Sep 15, 2015

Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...

The 10 Most Car-Friendly Colleges in the U.S.
The 10 Most Car-Friendly Colleges in the U.S.
Aug 17, 2015

Ever wondered what the most car-friendly colleges there are? As we’ve detailed before, and as any driver already knows, car...

Aw, Hail No
Aw, Hail No
May 23, 2014

Just before 4 p.m. in eastern Pennsylvania, the skies darkened as temperatures plummeted. Shoppers in a mall in Wyomissing heard a...

Pennsylvania Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Pennsylvania area, while also getting an insider view of the Keystone State.

Click here to learn more.

Prompt

So, Pennsylvania students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.