The average car insurance rates are about 1/3 lower here than the national average for state required minimum coverage and very close to the US average for full coverage. The Keystone State is fairly well populated in a comparably smaller landscape that concentrates traffic movements. The ratio of Uninsured Drivers is at 6%, which is about half the national average. This statistic is reassuring, increasing the likelihood of receiving compensation for injuries and damages resulting from accidents caused by other motorists.
Minimum Requirements
The minimum liability vehicle insurance coverage required in PA is as follows;
- $15,000 for bodily injury or death per person.
- $30,000 total for bodily injury or death per accident.
- $5,000 for property damage.
Also required;
- $5,000 first party benefits (FPB) for medical benefits for injuries to policyholders and family members.
- $15,000 per person, $30,000 per accident Uninsured/Underinsured Bodily Injury coverage (UM/UIM BI). (This coverage can be rejected).
FPB includes medical, dental, hospitalization, and nursing expenses for you and your passengers regardless of fault. UM/UIM BI covers medical expenses for you and your passengers if you are hit by an uninsured/underinsured driver.
Unusually, Pennsylvania has both a no-fault and fault-based automobile insurance. You have the option of Limited or Full Tort Coverage. Limited tort offers premium savings. You are still able to recover all out-of-pocket medical and other expenses; however, you are not able to recover certain damages – such as payments for pain and suffering – unless in exceptional conditions. With full tort selection, you retain unrestricted rights to bring suit against the negligent party but spend more at the start. So, you need to pay attention to what type of a policy you choose here. Consulting an agent may be a good idea to get the full explanation and help you arrange the policy.
Auto Insurance Costs in Pennsylvania
You should have a quick look at average premium expenditure in your zip code and see how your premium compares. The average cost of state required minimum coverage in the Keystone State is $428 and it is $194 cheaper than the US average. The average cost of full coverage vehicle insurance is about the same as the national average at $2,040.
Philadelphia Automobile Insurance
It is worth mentioning that the largest city in this state is probably pushing up average costs. Rates are 84% higher in Philadelphia when you break down premiums by cities. This is hardly a surprising result considering Philadelphia is one of the biggest metropolitans in the US and five times more populated than the next big city in PA. Generally, city premiums are much more expensive, especially if it is a huge one.
Premiums are pretty uniform across all cities and towns except Philadelphia. If you are not a high risk driver with traffic tickets or recent accidents you should get affordable enough policies outside Philly.You can get affordable car insurance rates even in the City of Brotherly Love if you shop around attentively and choose the most competitive insurer.
Lowest Priced Car Insurers in Pennsylvania
In this state, there are over couple of hundreds competing vehicle insurance companies, offering various choices for consumers. While this abundance of options is positive, it emphasizes the importance of careful shopping, especially for individuals who are young, have poor driving records, low credit scores, or high-risk vehicles, as failing to do so could lead to significantly higher auto insurance costs. Here are the cheapest car insurance companies in PA.
- Erie
- State Farm
- Westfield
- Travelers
- Geico
Important Pennsylvania Car Insurance and Driving Facts
- If you get caught driving without insurance in PA, you may get a $300 fine and three-month suspension of your driver’s license and vehicle registration. In addition, there are fees to reinstate your license and registration.
- Pennsylvania is one of the states with the fewest drunk driving incidents.
- Average yearly mileage is fairly low and well below the country average in PA. This may be taken into account by some insurers when they calculate premiums and reduce rates.
- Motorists who hold a cell phone while driving, even during stops at red lights or stop signs, can face fines. However, in Pennsylvania, texting violations typically do not result in demerit points being added to a driver’s record.
- Pennsylvania law mandates that all drivers and passengers, including children, must wear seatbelts or face penalties. Additionally, children under the age of four must be secured in an appropriate restraint system based on their height and weight.
- This state holds the unfortunate record for the highest likelihood of deer collisions. Comprehensive vehicle insurance coverage is generally designed to include protection against animal collisions.
- Also, Pennsylvania has one of the worst maintained roads in the country that increases the chances of accidents. So, motorists should consider Collision coverage in order to be compensated for damages to their vehicles in case of traffic accidents including pothole damages.
Securing suitable coverage and satisfactory customer service is paramount. The correlation between price and service quality isn’t always straightforward; a hefty premium doesn’t guarantee the best service. Assurance comes from meticulously scrutinizing policy specifics, insurers, claims settlement track records, and overall value. And you can achieve it by getting a few car insurance quotes and comparing them.