The Keystone state is rich in history. From Amish country to the Declaration of Independence, not a square mile of Pennsylvania doesn’t elicit a feeling of history. But if you’re planning to sightsee the Liberty Bell and visit Shady Maple by car, you’re going to need to know about Pennsylvania car insurance, including minimum coverage, full coverage, and the cheapest car insurance in Pennsylvania!
Here’s what you need to know about auto insurance before you drive on its public roads.
Pennsylvania Car Insurance Minimum Coverage
Drivers who register a vehicle in Pennsylvania will need to meet a few minimum requirements. In order to remain “street legal,” you’ll need to carry proof of car insurance with you. The absolute minimum requirements for insurance in Pennsylvania are as follows:
- Bodily injury liability coverage – you must retain a minimum of $15,000 per person and$30,000 per accident.
- Property damage liability coverage – you’ll need $5,000 in coverage.
- Uninsured motorist coverage – this covers you if you’re involved in an accident with an uninsured driver. You’ll need $15,000 and $30,000 per accident in coverage.
- Underinsured driver insurance – in the case that the other driver does not have insurance to cover the losses. The minimum requirement is that you carry $15,000 per person and $ 30,000 per accident.
- First party benefits – your minimum requirement is to purchase $5,000 in benefits.
What is the Average Cost of Car Insurance in Pennsylvania?
If you intend to register a car to drive in Pennsylvania, you’ll need to show proof of insurance first. In Pennsylvania, you can expect to pay around $88 per month, on average, for your car insurance.
The state ranks 41 out of 50 in affordability for auto coverage, so if you’re looking for a bargain, Pennsylvania isn’t the place to be!
Why is Car Insurance So Expensive in Pennsylvania?
Pennsylvania car insurance is more expensive than other states for three reasons. First, the state has a relatively high crime rate. Vandalism, theft and other crime is more likely to affect your vehicle, so it must be insured as such.
Secondly, the state of Pennsylvania requires higher coverages than other states. This, in turn, makes your auto insurance more expensive. The higher premiums reflect the amount of coverage you’re offered in your policy.
Finally, Pennsylvania is a no-fault state. No-fault insurance states see more insurance fraud, so the premiums are higher as a result.
Lapses in Pennsylvania Car Insurance
As with other states, you certainly don’t want to let your auto insurance lapse in Pennsylvania. If you’re stopped by law enforcement and found to have no insurance, you can face the following consequences:
- A minimum of $300 fine
- Three month’s suspension of your driver’s license and your vehicle’s registration
- A restoration fee for your registration
- A restoration fee for your driver’s license
Of course, all of this is in addition to the fines you may be assessed for the violation you were pulled for in the first place. So, it’s a good idea to be proactive and keep your car insurance up to date.
Best Auto Insurance in Pennsylvania
Pennsylvania drivers were surveyed and asked the best auto insurance carriers in the state. The following were ranked at the top due to service and affordability.
While these were rated the best insurance carriers, you may find that you can get a better rate through your employer, associations, or through a different provider.
Facts About Pennsylvania Car Insurance
Thinking about moving to Pennsylvania, or just want to know more about driving in the state? Here are some facts about driving and insurance in Pennsylvania.
- About 20% of auto accidents in Pennsylvania are caused by drivers aged 16 to 21.
- Those horse-drawn carriages you see in Lancaster and other counties are not considered motorized vehicles. As a result, they are not required to carry car insurance.
- On average, around 26 alcohol-related car accidents occur each day in Pennsylvania. However, the annual number of crashes is declining year by year.
- Accumulating “points” on your driving record can cost you your license, either temporarily or permanently. Points are accrued for traffic violations, both moving and non-moving.
Conclusion: Car Insurance Coverage in Pennsylvania
Pennsylvania car insurance is some of the highest-priced in the nation. The state’s minimum coverages are higher than other states, and your vehicle is more likely to be impacted by crime than in other areas of the country.
As you shop for your car insurance, be sure to price different coverage options and carriers. You may also qualify for discounts for good driving habits or through memberships with a credit union or other association.