Pennsylvania Car Insurance Quotes

> Car Insurance

Navigating the maze of Pennsylvania car insurance can be daunting, particularly when trying to strike a balance between protection and price. At PA Insurance Agency, we are committed to simplifying this process for you and providing the best car insurance quotes in Pennsylvania. We will walk you through the average costs, minimum requirements, and the cheapest options for car insurance in the Keystone State.

Explore key aspects of Pennsylvania car insurance, then when you’re ready, get started on receiving a personalized and accurate quote.

Average Pennsylvania Car Insurance

The average cost of car insurance can provide a benchmark for assessing your car insurance premium. As of 2023, Pennsylvania’s average car insurance cost is approximately $1,200 per year for full coverage. But it’s essential to remember that your premium can vary significantly based on factors like your age, driving history, credit score, and the make and model of your vehicle. PA Insurance Agency offers a personalized, in-depth analysis to ensure you receive a fair and competitive quote.

Age / Driver Profile – Average Annual Premium

  • Teen Driver (16-19): $4,500
  • Young Adult (20-24): $1,800
  • Adult (25-64): $1,200
  • Senior (65+): $1,300

Driving History – Average Annual Premium

  • Clean Record: $1,200
  • One Speeding Ticket: $1,350
  • One At-Fault Accident: $1,600
  • One DUI: $1,800

Coverage Type – Average Annual Premium

  • State Minimum Coverage: $700
  • Full Coverage: $1,200

Please note that these are just estimated averages. Prices can vary significantly based on numerous factors, such as the specific location within Pennsylvania, the make and model of the vehicle, credit score, and more. For the most accurate and personalized quote, get started here!

Minimum PA Car Insurance Requirements

Pennsylvania law mandates every driver must carry at least the following auto insurance coverages: bodily injury liability coverage ($15,000 per person and $30,000 per accident), property damage liability coverage ($5,000), and medical benefits coverage ($5,000). This is often referred to as 15/30/5 coverage. However, these minimums may only provide sufficient protection in some scenarios. We can help you assess your needs and recommend suitable coverage levels with competitive quotes to earn your business and ensure peace of mind.

Coverage Type – Minimum Required

  • Bodily Injury Liability: $15,000 per person / $30,000 per accident
  • Property Damage Liability: $5,000
  • Medical Benefits (Personal Injury Protection): $5,000

Please note that these are just estimated averages. Prices can vary significantly based on numerous factors, such as the specific location within Pennsylvania, the make and model of the vehicle, credit score, and more. For the most accurate and personalized quote, get started here!

Cheapest Pennsylvania Car Insurance

While everyone loves a good bargain, it’s important to understand that the cheapest car insurance policy may not offer the comprehensive protection you need. We believe in providing value – quality coverage at the best possible price. We work with multiple insurance carriers to offer competitive quotes and help you find a policy that suits your budget without compromising essential coverage.

Profile – Estimated Annual Premium

  • Single, Age 25, Clean Driving Record: $1,000
  • Married, Age 35, Clean Driving Record: $900
  • Single, Age 25, One Speeding Ticket: $1,200
  • Married, Age 35, One Speeding Ticket: $1,100
  • Senior, Age 65, Clean Driving Record: $950

Please note that these are just estimated averages. Prices can vary significantly based on numerous factors, such as the specific location within Pennsylvania, the make and model of the vehicle, credit score, and more. For the most accurate and personalized quote, get started here!

Pennsylvania Car Insurance FAQ

Whether you’re a seasoned driver or just starting on the road, navigating Pennsylvania car insurance can sometimes be complex. To help, we’ve compiled a list of Pennsylvania’s most commonly asked questions about car insurance, with detailed answers to help you understand the nuances and make informed decisions. From understanding coverage requirements to finding ways to reduce your premiums, these FAQs aim to equip you with the knowledge you need about car insurance in Pennsylvania.

In Pennsylvania, the state law requires every driver to carry at least the following auto insurance coverages: Bodily Injury Liability Coverage ($15,000 per person and $30,000 per accident), Property Damage Liability Coverage ($5,000), and Medical Benefits Coverage ($5,000). This is often referred to as 15/30/5 coverage.

Full coverage car insurance is not a specific policy sold by insurers but rather a term commonly used to refer to the combination of collision, comprehensive, and liability insurance. This ensures that you’re covered if you’re at fault in an accident (liability), if your car gets damaged due to an event like a storm or theft (comprehensive), or if you’re in an accident with another vehicle (collision).

Pennsylvania is a choice no-fault state. This means drivers can choose whether they want “full tort” or “limited tort” insurance coverage. Limited tort allows you to save on premiums but restricts your right to sue in an accident unless injuries meet a certain threshold. Full tort gives you unrestricted rights to sue in an accident.

Getting car insurance without a driver’s license in Pennsylvania can be difficult, but it’s not impossible. You may need insurance to drive a borrowed car, or you may need to insure a vehicle that you own but do not drive. It’s best to discuss your circumstances with an insurance professional.

Driving without insurance in Pennsylvania can lead to severe penalties. These can include a minimum fine of $300, a three-month suspension of your vehicle registration and driver’s license, and the payment of restoration fees to reinstate your license and registration.

Comprehensive coverage typically pays for windshield replacement in Pennsylvania. Some insurers might even waive your deductible if your windshield can be repaired instead of replaced. Always check with your insurer for your policy specifics.

Car insurance rates can change any time there is a change in risk for the insurer. This can occur at renewal time or mid-term if there are changes to your driving record, changes to your vehicle, or if you’ve moved to a new location.

You can lower your car insurance rates by maintaining a clean driving record, bundling your auto insurance with other policies (like home insurance), using the same insurance company for all vehicles in your household, taking a defensive driving course, or raising your deductibles. Also, remember to ask about discounts that you may be eligible for.

Car Insurance in Pennsylvania by City

Whether commuting to work or exploring scenic areas, driving in Pennsylvania should be worry-free. That’s where PA Insurance Agency steps in. We understand that every city and driver is unique, and so should their car insurance. So, let’s find you the perfect coverage that fits your needs and budget. Begin your journey with us today and get a personalized car insurance quote tailored to you.

  • Philadelphia, PA
  • Pittsburgh, PA
  • Allentown, PA
  • Reading, PA
  • Erie, PA
  • Scranton, PA
  • Lancaster, PA
  • Harrisburg, PA
  • York, PA
  • Wilkes-Barre, PA
  • Altoona, PA
  • Chester, PA
  • Hazleton, PA
  • McCandless, PA
  • Easton, PA
  • Williamsport, PA
  • Lebanon, PA
  • New Castle, PA
  • Johnstown, PA
  • McKeesport, PA
  • Hermitage, PA
  • Greensburg, PA
  • Butler, PA
  • Coatesville, PA
  • Pottsville, PA
  • Washington, PA
  • Sharon, PA
  • Meadville, PA
  • St. Marys, PA
  • Bloomsburg, PA