Auto Insurance in Pennsylvania

Q: How much does Pennsylvania car insurance cost?

On average, Pennsylvania residents pay $1066 per year for car insurance. This equals $89 per month or $533 per six months. Car insurance prices vary significantly based on insurance company and the level of risk they believe you represent. To find out what your car insurance should cost, use the ValChoice car insurance calculator.

Q: How is car insurance calculated?

Driving record, age, home address and many more factors effect car insurance prices. Pennsylvania has specific laws and regulations guiding how insurance companies can calculate car insurance prices. ValChoice has studied these laws and built a car insurance calculator so you can see how insurance is priced in PA. Our calculator also tells you a fair price for insurance considering all these factors. Click here for the ValChoice car insurance estimator.

Q: What is the cheapest car insurance in PA?

Only liability insurance (this pays for others when you cause an accident) is mandatory in Pennsylvania. Therefore, getting only liability insurance is the cheapest. On average, liability insurance in Pennsylvania costs $599 per year, $299 per six months and $50 per month.

However, many people want to protect their vehicle and themselves in the event they are in an accident (collision insurance), or something out of their control (comprehensive insurance) happens. In Pennsylvania, the average price for collision insurance is $402 per year, $201 per six months and $34 per month. On average, comprehensive insurance in Pennsylvania costs $181 per year, $90 per six months and $15 per month.

Find out what your liability, collision and comprehensive insurance should cost with the ValChoice car insurance calculator.

Q: Is full-coverage auto insurance worth it?

The combination of liability (required by law in Pennsylvania), collision and comprehensive insurance is sometimes called “Full coverage.” Whether this is worth it depends on the value of your car. The value of your car only effects collision and comprehensive insurance. Use the ValChoice car insurance calculator to see what the additional cost of collision and comprehensive insurance should be for you.

Q: What is the best, cheap auto insurance in Pennsylvania?

Bad insurance doesn’t necessarily cost less, and good insurance doesn’t necessarily cost more. In fact, some companies with the worst claims handling in the industry, sell insurance at high prices because they think their customers will believe the insurance is better because it is high priced.

When buying car insurance, start with the ValChoice car insurance calculator. We will let you know a fair price. If you want us connect you with one of the best insurance companies, click the button at the end of the calculator asking for this help and we will.

5 Best Car Insurance Companies in Pennsylvania

ValChoice uses multiple sets of data collected by the Pennsylvania department of insurance, and other sources, to determine the top rated insurance companies. We analyze the data to determine the best car insurance companies in PA. Our objective is to let consumers know the best insurance companies so you can make informed decisions when buying protection for you and your family.

Surprisingly (or maybe not so surprisingly) it's often not the market share leaders that rank highest for best insurance. Why is that? The reason is the industry is focused on delivering low-cost offerings. Low prices often come at the expense of good claims handling.

ValChoice analysis includes price (value), claims handling (quality) and overall service as the three factors used in our ratings. Price is not the only factor that matters when buying quality coverage.

Compare Auto Insurance Companies in Pennsylvania

ValChoice Score
NJM Insurance
100 out of 100
The Cincinnati Insurance Companies
98 out of 100
MMG Insurance Company
97 out of 100
Goodville Mutual
93 out of 100
ACUITY, A Mutual Insurance Company
92 out of 100
All ratings are based on high-quality data and analysis. Data sources include: SERFF, state insurance commissioners, National Association of Insurance Commissioners, AM Best Company and S & P Market Intelligence. Data used by permission.
Published by ValChoice on November 6, 2019

Pennsylvania laws require the minimum insurance coverage amounts shown in the table below. The important point to know about insurance coverage amounts is they define the maximum amount your insurance company is obligated to pay. If the costs are more than the amount of insurance coverage you purchased, you will be personally responsible for the costs above your coverage limits. More information on how insurance coverage protects you is included below the table.

Minimum Car Insurance Coverage Required in Pennsylvania

Minimum Coverage
Bodily Injury, per person 15000
Bodily Injury, per accident 30000
Property Damage 5000

 

Types of Pennsylvania Car Insurance

Pennsylvania is known as a "no-fault" state for auto insurance. You may have also heard of no-fault insurance coverage by the name personal injury protection. No fault and personal injury protection are the same.

No Fault and Bodily Injury Protection

With no-fault insurance, it doesn't matter who causes an accident. Whether the accident is caused by you or someone else, the coverage you have under your insurance pays for your bodily injuries and your passengers bodily injuries. In the case your passengers are covered by their own insurance, their insurance will be the first to pay for their injuries.

The payment amount is capped at the coverage limit of the policy. The table above shows the minimum coverage limits. Minimum coverage limits means you must buy at least this much insurance coverage. In Pennsylvania the minimum personal injury protection coverage amount is $5,000. Buying more than the minimum coverage amount is also acceptable.

If you are at fault and the other party (one or more people) has bodily injuries in excess of the their personal injury protection coverage, your bodily injury liability coverage will pay. This form of liability cover also pays only up to the coverage limits of your policy. If the coverage you purchased are less than the costs, you will be responsible for the amount above the coverage you bought. This means you will be personally responsible for the medical bills, lost wages, etc, of all the people that were injured. To avoid being personally responsible, you can purchase additional bodily injury liability coverage. Click this link for more information on car insurance coverage requirements in Pennsylvania.

Property Damage Protection

The property damage liability portion of your insurance coverage pays for repairs to the other person's vehicle or property. This works the same way as the bodily injury coverage, with the difference being it pays for the other parties property. The maximum amount the insurance will pay on your behalf is the coverage limit that you purchased. If you want coverage above the minimum amount, that can be purchased, but is not required. Coverage for your own vehicle can also be purchased.

Drivers often wonder what coverage they have for a vehicle that gets damaged by floodwater. Floodwater damage protection is part of your comprehensive insurance. For more details on insurance coverage for flooded vehicles, read our blog post titled "Does Your Car Float Like a Boat? What to do if it Won't!"

Getting an Auto Insurance Quote

When you get a car insurance quote, be sure to get an example of the insurance policy, or the declarations page. This will be proof of how much insurance you're actually buying. Also, be sure to keep a copy of the insurance policy so you know the full extent of your coverage.

Always ask your agent to provide you with a ValChoice report. ValChoice reports are the only reliable way to know how well insurance companies perform for providing a good value, their performance when handling claims and the level of service they provide.