Compare rates from 20 car insurance companies 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.
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.
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.
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.
|Rank||City||Avg. Annual Premium|
|11||Municipality of Monr||$1,070|
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.
|Rank||Company Name||Avg. Annual Premium|
|17||Mutual Benefit Group||$1,425|
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Forbes is known for its lists. We won’t attempt to count the times Oprah or Taylor Swift have topped any number...
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...
You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...
To the uninitiated, fault sounds easy enough: it ought to be assigned to the perpetrator of a crash, right? And...
The world of automotive regulations is quite complicated. For instance, each state makes and maintains its own regulations for auto...
Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...
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,...
Commonly called PIP for short, personal injury protection insurance protects you against—you guessed it—personal injury. If you get in an...
The fact that texting and driving is dangerous isn’t news to anyone—the dangers of distracted driving are well documented, and...
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Ever wondered what the most car-friendly colleges there are? As we’ve detailed before, and as any driver already knows, car...
Just before 4 p.m. in eastern Pennsylvania, the skies darkened as temperatures plummeted. Shoppers in a mall in Wyomissing heard a...
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.
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.
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.