On average, your neighbors pay $73 a month.
See Your RatesHow much is car insurance in Pennsylvania? If you’re a driver in the state of Pennsylvania, you know how much at insurance can cost. But did you know that Pennsylvania car insurance premiums are the same as the national average. The average cost of auto insurance in Pennsylvania is $878.18 per year. The national annual average cost is $889.01.
Prices may vary depending on your zip code and driving history.
Coverage | Rates |
---|---|
Liability | $499.06 |
Collision | $327.24 |
Comprehensive | $144.21 |
Total Cost Per Year | $878.18 |
Price Per Month | $73.18 |
The graph below shows the change in average Pennsylvania insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Pennsylvania car insurance rates increased from $812 in 2011 to $878 in 2015, a jump of $65, or 8.05 percent.
If you’re like most Pennsylvania drivers, you think it's important to have the right kinds of car insurance coverage, not to mention the right amounts. That doesn’t mean you should go with the first policy that comes your way.
You want car insurance that’s reliable and fits your needs while also being affordable. To get that, you have to compare auto insurance quotes.
That can take some time if you do it yourself. With QuoteWizard, you can do it in seconds. Fill out our form and we’ll connect you to multiple top car insurance companies so you can compare rates and get the best coverage.
Last year, 98,196 people used QuoteWizard to compare auto insurance quotes in Pennsylvania from top companies, and find the cheapest rates.
These are the most common vehicles owned by Pennsylvania drivers requesting car insurance quotes through QuoteWizard in the past year.
This is our list of the most common car insurance companies reported by QuoteWizard users living in the state of Pennsylvania last year. Out of the 98,196 Pennsylvania drivers that used QuoteWizard to request insurance quotes last year, 9,688 had no car insurance.
If you drive a vehicle registered in Pennsylvania, you must maintain a minimum level of insurance coverage of 15/30/5. This means that you must have a policy with at least the following:
Pennsylvania is one of the 12 US states that have a no-fault insurance system. In no-fault states, accident victims can collect benefits from their own insurance companies, regardless of whether the other party is insured. Liability coverage helps pay for other peoples’ medical and repair bills if you cause an accident. Medical benefits coverage pays for your medical expenses after an accident, regardless of who was at fault.
Any time you drive in Pennsylvania, you must be prepared to show your car insurance identification card to law enforcement upon request. You'll get this identification card from your car insurance company when you buy a policy. The card must include all of the following:
Driving without insurance in Pennsylvania is punishable by a minimum fine of $300. You could also have your driver’s license suspended for up to three months.
Pennsylvania is one of only a handful of states that doesn't require drivers to file an SR-22 to prove that they have at least the legal minimum car insurance.
Unlike many states, Pennsylvania doesn’t prohibit drivers from using hand-held cell phones to make or receive calls while driving. However, drivers cannot send or receive text messages.
Pennsylvania has taken a unique approach to driving under the influence (DUI) laws by creating a three-tiered system of enforcement, penalties, and treatment. The purpose of the tiered system is to focus on treatment instead of harsh punishment for first-time offenders. The tiers have the following levels of DUI and Blood Alcohol Content (BAC):
No Prior DUI violations
One Prior DUI violation
Two or more Prior DUI violations
No Prior DUI violations
One Prior DUI violation
Two or more Prior DUI violations
Three or more Prior DUI violations
No Prior DUI violations
One Prior DUI violation
Two or more Prior DUI violations
Pennsylvania reported 10,550 alcohol-related car crashes in 2014. 333 people lost their lives because someone was driving under the influence. These deaths represent 28% of the total traffic fatalities.
In Pennsylvania, children under four years old must bride in an approved child safety seat. Children between the ages of four and eight must ride in an appropriate booster seat. Children between the ages eight and age 18 are required to use a vehicle's seat belts.
To see the details regarding the different stages that new drivers must pass through in order to obtain full driving privileges, click here:
Young Driver - Pennsylvania Traffic Safety Information Center
All Pennsylvania drivers are required to renew their driver’s license every 4 years. There are no special provisions for senior drivers.
Pennsylvania requires that all drivers and passengers in a moving vehicle, between the ages of 8 and 17, wear seat belts. It also requires that any drivers or passengers who are age 18 and up, and are in the front seats of a vehicle wear a seat belt. Children are required to use approved child seats as described above. The maximum fine for a first offense is $10.
In 2014, 78.7% of all people involved in car crashes were wearing seat belts at the time of the accident. Of all people that died on Pennsylvania roads in 2014, 48% were not wearing seat belts.
When you drive a vehicle in Pennsylvania that must be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement if requested.
The average cost of car insurance in Pennsylvania in 2015 was $878.18 compared to a national average of $889.01. Pennsylvania is the 16th most expensive state for car insurance.
The state of Pennsylvania taxes gasoline at 50.40 cents per gallon. Diesel fuel is taxed at 65.10 cents per gallon. This is in addition to the Federal fuel tax of 18.4 cents per gallon on gasoline, and 24.4 cents per gallon on diesel. The total tax on gasoline in Pennsylvania works out to 68.80 cents per gallon; for diesel fuel the total tax works out to 89.50 cents per gallon.
Pennsylvania reported 1,195 traffic fatalities in 2014. This is a 1.2% decrease from the state’s 1,210 traffic fatalities in 2013.
Pennsylvania reported 13,040 vehicle thefts in 2014, a 5.3% decrease compared to 2013. In 2014, the vehicle theft rate was 102 per 100,000, a decrease of 5.3% from the 2013 rate of 107.7 per 100,000.
The vehicle theft rate in Pennsylvania is significantly lower than the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.
Source: National Insurance Crime Bureau - Hot Wheels Report 2014
The percentage of Pennsylvania residents estimated to be driving without insurance is 6.5%. That ranks Pennsylvania as #46 among US states and the District of Columbia, far better than the national average of 12.6%.
Pennsylvania reported 121,317 car crashes in 2014.
The Pennsylvania Department of Transportation archives crash statistics on this website: Pennsylvania Historical Crash Facts and Statistics Books
Rank | Market Share | Company |
---|---|---|
1 | 13.4% | Erie |
2 | 12% | Allstate (Insurance) |
3 | 10.3% | Nationwide (Mutual) |
4 | 8.6% | Progressive |
5 | 6.6% | Geico |
6 | 5.8% | Liberty Mutual |
7 | 3.7% | Travelers |
8 | 3.1% | USAA |
9 | 1.9% | Farmers |
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