Compare & Save Online Auto Insurance in Pennsylvania — From $45/mo
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Why compare Auto Insurance in Pennsylvania?
Prices can vary widely across providers in Pennsylvania. Whether you’re in Philadelphia or Pittsburgh, comparing quotes helps you find better coverage for less.
What you get
- Compare Pennsylvania auto insurance rates in under a minute
- Licensed US Providers
- Bundle & Save options where available
Rates in Pennsylvania
Typical annual rates start from $540 (based on plans from $45/mo)
Pennsylvania is a choice no-fault state — drivers select either limited tort (lower premiums, restricted lawsuit rights) or full tort at purchase. Minimum liability is 15/30/5, among the lowest in the US. Philadelphia rates run significantly higher than the state average due to density and theft rates.
Auto Insurance Requirements in Pennsylvania
- Minimum requirement
- 15/30/5
- No-fault state
- Yes
- SR-22 required
- Yes
- Average annual cost
- $1,620
Estimated rates by driver profile in Pennsylvania
Rates vary based on your driving history and profile. Here's what drivers in Pennsylvania typically pay:
| Driver Profile | Est. Monthly | Coverage Level | SR-22 Available |
|---|---|---|---|
| Clean record, age 30+ | $45–$62 | Full Coverage | ✓ |
| 1 accident in last 3 years | $68–$92 | Liability+ | ✓ |
| New driver, under 25 | $95–$135 | Basic Liability | ✓ |
| DUI on record | $115–$160 | SR-22 Required | ✓ |
| Senior driver, 65+ | $50–$72 | Full Coverage | — |
Compare Pennsylvania auto insurance rates in under a minute
Get Compare & Save Online plans starting at $45/mo — includes Licensed US Providers.
Compare Quotes NowCustomer Satisfaction & Complaint Score breakdown
Real-world claim and customer experience indicators from widely recognized insurers.
Frequently Asked Questions
What is the minimum auto insurance required in Pennsylvania?
Pennsylvania requires 15/30/5 liability coverage — $15,000 per person, $30,000 per accident bodily injury, and $5,000 property damage. Medical benefits of $5,000 are also required. These are legal minimums; most financial advisors recommend much higher limits.
What does 'choice no-fault' mean in Pennsylvania?
Pennsylvania lets you choose between limited tort and full tort. Limited tort costs less but restricts your right to sue for pain and suffering after an accident. Full tort preserves your full legal rights but costs 15–20% more in premiums.
Why is car insurance so expensive in Philadelphia?
Philadelphia has the highest auto insurance rates in Pennsylvania due to population density, high accident and theft rates, and a large number of uninsured drivers. Rates in Philly can be 50–80% higher than in rural PA counties.
Can I get same-day auto insurance in Pennsylvania?
Yes. Most carriers offer immediate digital proof of coverage. Once you compare plans and make your first payment, you can have valid insurance within minutes.
Does Pennsylvania require uninsured motorist coverage?
Pennsylvania requires insurers to offer uninsured and underinsured motorist coverage, but drivers can reject it in writing. With roughly 8% of PA drivers uninsured, keeping this coverage is strongly recommended.
How can I lower my auto insurance premium in Pennsylvania?
Choosing limited tort, bundling with home insurance, maintaining a clean record, and comparing multiple carriers are the most effective ways. Raising your deductible to $1,000 can also reduce your monthly premium by 10–15%.