Pennsylvania Car Insurance

The Pennsylvania Insurance Department states that all drivers must maintain financial responsibility. In other words, drivers are required to have car insurance in Pennsylvania. These requirements are in place so you and anyone else involved in an accident can have financial protection. The state requires drivers to have liability and medical benefits coverage. If you are at fault for a traffic accident, liability insurance will cover the expenses for the other party involved. Medical benefits insurance will cover the medical expenses for you and your passengers regardless of who was at fault for the accident.

Required Coverages in Pennsylvania:

Liability Coverage:

  • Bodily Injury Liability Per Person:$15,000
  • Bodily Injury Liability Per Accident:$30,000
  • Property Damage Liability:$15,000

Medical Benefits Coverage:

  • Bodily Injury Coverage:$5,000

If you are caught driving without at least the minimum required amount of auto insurance in Pennsylvania, you are in violation of state law and subject to penalties. The Pennsylvania Department of Transportation can suspend your driver’s license and vehicle registration if you fail to maintain insurance coverage. You may have to pays fees and fines to get your license and registration returned to you.

Determining Your Rate in Pennsylvania

According to the Insurance Information Institute, the average cost for liability insurance in Pennsylvania is $488, compared to the national average of $474. This is the average cost for the state, so your individual rate may be different. Insurance rates in Pennsylvania vary for each person because they are based on several factors, such as your age, sex, marital status, where you live, credit score, the type of vehicle you drive, how you use your vehicle, and driving record.

Each of these factors are used by insurance companies in Pennsylvania to determine your level of risk and how much your rate needs to be to compensate for this risk. Lower-risk factors include having a good credit score, a clean driving record, a vehicle that is less likely to be stolen, being older than 25, and being married. A low level of risk will generally result in a low rate. Each company will place a different amount of importance on each factor, which is why you get such a variety of prices when shopping for car insurance in Pennsylvania.