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Compare Car Insurance Quotes in Pennsylvania to Get the Cheapest Rates

Pennsylvania is known as the Keystone State. For years, QuoteWizard has been helping Pennsylvanians learn the key to getting great rates on a policy that’s right for them.

This page will show you which types of coverage are legally required in Pennsylvania, provide information about the cost of driving including average rates, and share some insights about insurance risk to help you protect yourself and your family.

Average Pennsylvania Car Insurance Rates

How much is car insurance in Pennsylvanua? 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 almost exactly the same as the national average The average cost of auto insurance in Pennsylvania is $841.42 per year. The national annual average cost is $841.23.

Pennsylvania Average Annual Car Insurance Rates
Coverage Rates
Liability $497.28
Collision $301.49
Comprehensive $131.71
Total Cost Per Year $841.42
Price Per Month $70.12

Compare Car Insurance Quotes in Pennsylvania

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. But 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 get an auto insurance quotes comparison in Pennsylvania from top companies and find the cheapest rates.

Top 10 Vehicles in Pennsylvania

These are the 10 most common vehicles owned by Pennsylvania drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Cavalier
  3. Chevrolet Blazer
  4. Honda Accord EX/LX
  5. Ford Taurus SE
  6. Ford Escape XLT
  7. Jeep Grand Cherokee Laredo
  8. Ford Focus SE
  9. Honda Civic EX
  10. Ford Explorer
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Top 10 Pennsylvania Car Insurance Companies

This is our list of the 10 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.

  1. Allstate Insurance Co.
  2. Progressive Casualty
  3. Geico
  4. Nationwide
  5. Liberty Mutual
  6. Farmers Ins
  7. Esurance
  8. AIG
  9. 21st Century Insurance
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Pennsylvania State Auto Insurance Laws

Car Insurance Minimum Coverage

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:

  • $15,000 of coverage for bodily injury liability per person
  • $30,000 of coverage for bodily injury liability per incident
  • $5,000 of coverage for property damage liability per incident
  • $5,000 of coverage for medical benefits

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 is meant to help pay for other peoples’ medical and repair bills if you're found at fault in a car accident. Medical benefits coverage is intended to pay for your medical expenses after an accident, regardless of who was at fault.

Required Proof of Auto Insurance

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:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver. The word “fleet” may be used for more than 5 vehicles owned by the same person or business.

Penalties

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.

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SR-22 Requirements

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.

State of Pennsylvania Traffic Safety Laws

Distracted Driving Laws

Unlike many states, Pennsylvania doesn’t prohibit drivers from using hand-held cell phones to make or receive calls while driving. However, all drivers are banned from sending or receiving text messages while driving.

DUI Law and Penalties

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 are represented by the following levels of DUI and Blood Alcohol Content (BAC):

  • General Impairment: (0.08% to 0.99% BAC)
  • High BAC: (0.10% to 0.159% BAC)
  • Highest BAC: (0.16% BAC and above)

General Impairment Penalties

No Prior DUI violations

  • Ungraded misdemeanor
  • Up to 6 months in jail
  • $300 fine
  • Alcohol highways safety school
  • Treatment if required by the court

1 Prior DUI violation

  • Ungraded misdemeanor
  • Driver's license suspended for 12 months
  • Between 5 days and 6 months in jail
  • $300 to $2,500 fine
  • Treatment if required by the court
  • 1-year ignition interlock device

2 or more Prior DUI violations

  • 2nd degree misdemeanor
  • Driver's license suspended for 12 months
  • Between 10 days and 2 years in jail
  • $500 to $5,000 fine
  • Treatment if required by the court
  • 1-year ignition interlock device

High BAC Penalties

No Prior DUI violations

  • Ungraded misdemeanor
  • Driver's license suspended for 12 months
  • 48 hours to 6 months in jail
  • $500 to $5,000 fine
  • Alcohol highways safety school
  • Treatment if required by the court

1 Prior DUI violation

  • Ungraded misdemeanor
  • Driver's license suspended for 12 months
  • Between 30 days and 6 months in jail
  • $750 to $5,000 fine
  • Alcohol highways safety school
  • Treatment if required by the court
  • 1-year ignition interlock device

2 or more Prior DUI violations

  • 1st degree misdemeanor
  • Driver's license suspended for 18 months
  • Between 90 days and 5 years in jail
  • $1,500 to $10,000 fine
  • Treatment if required by the court
  • 1-year ignition interlock device

3 or more Prior DUI violations

  • 1st degree misdemeanor
  • Driver's license suspended for 18 months
  • Between 1 and 5 years in jail
  • $1,500 to $10,000 fine
  • Treatment if required by the court
  • 1-year ignition interlock device

Highest BAC Penalties

No Prior DUI violations

  • Ungraded misdemeanor
  • Driver's license suspended for 12 months
  • 72 hours to 6 months in jail
  • $1,000 to $5,000 fine
  • Alcohol highways safety school
  • Treatment if required by the court

1 Prior DUI violation

  • 1st degree misdemeanor
  • Driver's license suspended for 18 months
  • Between 90 days and 6 months in jail
  • $1,500 to $10,000 fine
  • Alcohol highways safety school
  • Treatment if required by the court
  • 1-year ignition interlock device

2 or more Prior DUI violations

  • 1st degree misdemeanor
  • Driver's license suspended for 18 months
  • Between 1 and 5 years in jail
  • $2,500 to $10,000 fine
  • Treatment if required by the court
  • 1-year ignition interlock device

In 2014, Pennsylvania reported a total of 10,550 alcohol-related car crashes. 333 people lost their lives because someone was driving under the influence. These deaths represent 28% of the total traffic fatalities.

Child Restraint Law

In Pennsylvania, children under 4 years old must be properly restrained in an approved child safety seat. Children between the ages of 4 and 8 must be restrained in an appropriate booster seat. Children between the ages 8 and age 18 are required to use a vehicle's seat belts.

Graduated Driver’s License

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

Senior Drivers in Pennsylvania

All Pennsylvania drivers are required to renew their driver’s license every 4 years. There are no special provisions for senior drivers.

Seat Belt Laws

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. 48% of all people that died on Pennsylvania roads in 2014 were not wearing seat belts.

Vehicles Registered in Another State

When you drive a vehicle in Pennsylvania that is required to 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 Cost of Driving in Pennsylvania

Average Pennsylvania Car Insurance Rates

The average cost of car insurance in Pennsylvania in 2013, the most recent year for which data was available, was $841.42 compared to a national average of $841.23. Pennsylvania is the 16th most expensive state for car insurance.

Fuel Taxes

The state of Pennsylvania taxes gasoline at 50.40 cents per gallon and diesel fuel 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.

Car Insurance Risk in Pennsylvania

Traffic Fatalities

In 2014, there were 1,195 traffic fatalities in Pennsylvania, a 1.2% decrease from the state’s 1,210 traffic fatalities in 2013.

Vehicle Thefts

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.

Top 10 Most Stolen Cars in Pennsylvania

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1997 Honda Accord
  2. 1998 Honda Civic
  3. 1999 Ford Pick-Up (Full Size)
  4. 2014 Toyota Camry
  5. 2014 Chevrolet Impala
  6. 2014 Nissan Altima
  7. 2010 Toyota Corolla
  8. 2003 Chevrolet Pick-Up (Full Size)
  9. 1996 Jeep Cherokee/Grand Cherokee
  10. 2002 Ford Explorer

Uninsured Drivers

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%.

Crash Statistics

In 2014, there were a total of 121,317 car crashes in the State  of Pennsylvania.

The Pennsylvania Department of Transportation archives crash statistics on this website: Pennsylvania Historical Crash Facts and Statistics Books

Top 10 Pennsylvania Auto Insurance Companies - Market Share

Source: Insurance Information Institute
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

Pennsylvania Insurance Department

http://www.insurance.pa.gov/

Insurance Commissioner:
Teresa D. Miller
Insurance Hotline:
1-877-881-6388
Monday – Friday:
8:30 a.m. to 5:00 p.m.
File a Consumer Complaint
Complaint Page

Sources:

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