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Best Affordable Auto Insurance in Pennsylvania
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In order to get cheap auto insurance in Pennsylvania a consumer needs to understand the laws of the state. The Pennsylvania department of insurance is very clear on what is required for your auto insurance policy, and also recommends getting free quotes from multiple insurers so that you get the best rate. Important facts to keep in mind are that it is required under law that every driver has liability insurance so that they are protected from financial lost in the event of an accident. Specifically the state requires your policy to have bodily injury liability coverage which provides money for medial expenses to victims of an accident you caused. The bare minimum is $15,000 for coverage of one person and $30,000 of coverage for two or more people injured. It is also required that your policy have at least $5,000 worth of property damage liability if you cause an accident. Finally, the state requires your policy to have $5,000 worth of medical coverage that protects you and your passengers regardless of who is at fault for a car accident. Finding cheap Pennsylvania car insurance can be difficult, but is necessary because it is illegal for residents to not have Finding the best and most affordable auto insurance in Pennsylvania can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Pennsylvania. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Quaker State.

Understanding Pennsylvania's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Pennsylvania one must understand what coverage they need. Pennsylvania is a no-fault state that requires Personal Injury Protection (PIP) to be a part of your policy. A no-fault state allows the person in an accident to receive their money regardless of proof that the accident was somebody's fault. However, living in a no-fault state prevents the injured party from suing for further damages, and if the insurance money is not enough to cover medical expenses, the injured party must come up with the rest of the funds for treatment. Pennsylvania law does not mandate your policy have coverage from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Pennsylvania the minimums are 25/50/25. The numbers are in thousands of dollars.

Pennsylvania Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/25
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: Yes
  • Average Liability Cost: $490
  • Average Collision Cost: $305
  • Average Comprehensive Cost: $121
  • Average Cost per Year in Pennsylvania: $820
  • US Average Cost: $795
  • Expense Rank: 17/51

Best Pennsylvania Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
N/A 65%
41%
N/A 53%
37%
55%
N/R
N/A N/R
N/A 48%
N/R
65%
N/R
39%
63%
N/A 42%
N/A 55%
34%
33%
N/R
N/A N/R
35%
73%
42%
N/R
N/A N/R
N/A 75%
33%
34%
33%
N/A 42%
N/R
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%