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Pennsylvania Car Insurance

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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

Minimum insurance requirements in Pennsylvania

In Pennsylvania, the minimum coverage requirements are as follows:
  • 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?


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




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


Per Year in Pennsylvania
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


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
31 21st Century N/A
32 American Independent N/A
33 Atlantic States N/A
34 Donegal Mutual N/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.


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:

  • This is not a traditional video essay. We do not want an extended selfie of your face (as lovely as it is) speaking to the camera. Make sure your video includes creative visual elements.
  • 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.

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 two to five minute video. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59pm CST on December 31, 2016.
  • Winner(s) will be selected and notified by e-mail by January 15, 2017.
  • 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.