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Minimum State Insurance Requirements » Pennsylvania

15 / 30 / 5

Personal injury insurance for the driver: $15,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $30,000

Property damage coverage per claim: $5,000



Pennsylvania Car Insurance Information

It is important to have Pennsylvania car insurance information before shopping around, since the state ranks among the top 20 most expensive in the country. With dozens of insurance companies to choose from, using can make comparing rates simple.

Pennsylvania Car Insurance Information

Known for its important role in history, Pennsylvania has earned another reputation in the auto insurance market for being strict on its drivers. While many states in the U.S. require only an at-fault insurance policy, the Keystone state is one of only twelve that operate under a no-fault insurance scheme. This limits how much those injured in accidents are able to recover from other drivers involved in an accident.

Car Insurance Minimum Requirements

The state requires its drivers to have that no-fault insurance policy at $15,000 in injury liability per person, $30,000 in injury liability per accident and $5,000 in property damage. About seven percent of drivers are uninsured in the state, making about 892,002 statewide.

These figures place Pennsylvania’s minimum required coverage much lower than its neighbors, save for Ohio. Pennsylvania’s low minimum coverage is not unique. Other states have identical limitations, including New Hampshire and California.

Car Insurance Companies

Like in other states, drivers in Pennsylvania are not limited just to calling the 800 number that may appear on a television screen for a national insurance company. The auto insurance market in Pennsylvania offers a wide array of small and large agencies that may deal exclusively with one insurance company or with multiple. Such coverage is a necessity in the Keystone State, given there are more than 125,000 reported vehicle crashes each year, according to the Pennsylvania Department of Transportation. Among those, nearly 1,500 each year result in death. Such figures are hardly surprising in a state that can experience annual snowfalls between two feet and four, depending upon the region.

Free Car Insurance Quotes

If you are a driver seeking free quotes for insurance in Pennsylvania, you can visit www.carinsurancerates.comto compare the figures for multiple companies. By filling out the form on the website with your information, you can browse through the rates within your area quickly and easily. And all of this comes without the hassle of having to contact each company individually.

Car Insurance Rates

The Keystone State may be lucky enough to have made it out of the top 10 most expensive states for car insurance, but it does rank as the 20th most expensive in the U.S. The average annual insurance premium payment will put Pennsylvania driver out $1,307 — about 108.92 each month. Pennsylvania, when compared with its neighbors, is more costly for car insurance. New York ranks in the top 25 most expensive, while West Virginia, Virginia, Ohio and New Jersey are in the bottom ten for car insurance costs. The state that calls itself home to the Liberty Bell does fare better than either Maryland or Delaware, which find themselves among the top ten most expensive states for auto insurance.