Car Insurance in PA
No matter where you travel throughout the Keystone State, it’s important that drivers in Pennsylvania know they’re protected on the road.
The
AARP® Auto Insurance Program from The Hartford
1 has been insuring Pennsylvania AARP members and their families since 1984. Throughout this time, we’ve earned high customer satisfaction ratings and a reputation for integrity.
If you’d like to request a
car insurance quote or get more information about the average car insurance cost in PA, we’re here to help. You can reach our specialists at
888-413-8970. If you need car insurance in PA, we’ll help you get the best auto coverage for your needs.
Getting the Best Car Insurance in PA
These are just some of the benefits that the AARP Auto Insurance Program from The Hartford can offer Pennsylvania drivers:
- New Car Replacement: ‡ If you total your new car, we’ll replace it with a new one of the same make, model and equipment with no deduction for depreciation.
- Accident Forgiveness:‡ As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.
- Disappearing Deductible:‡ Good drivers can have their collision insurance deductible reduced over time by maintaining a clean driving record.
- 24/7 Claim Service: You can reach our specialists at 800-243-5860 any time of day during the week. They’ll walk you through the process and help you file a claim.
- Bundle and Save: Bundle your auto and homeowners insurance in Pennsylvania for additional savings.**
How Much Is Car Insurance in PA Per Month?
The average cost of car insurance in Pennsylvania is $2,040. This means that the average Pennsylvania driver paid about $170 month for auto insurance. Auto coverage costs vary by state, but car insurance in PA is slightly less expensive than the average cost of auto insurance in the country, which is $2,014.2
What Impacts PA Auto Insurance Rates?
- Driver history
- Vehicle type
- Coverage limits
- Average miles driven in a year
- Deductible limits
Your insurance company will also need to know specific information, like your:
- Address and zip code
- Age
- Marital status
- Credit score
- History of car accidents
- Speeding ticket records
- Vehicle use
To learn more, get your auto insurance quote online or by calling our specialists at
888-413-8970. They can help answer questions about auto insurance in Pennsylvania.
Required Auto Insurance Coverage in Pennsylvania
The state minimum for liability coverage in Pennsylvania is:3
- $15,000 per person per accident for bodily injury liability coverage
- $30,000 per accident for bodily injury liability coverage
- $5,000 per accident for property damage coverage
- $5,000 per accident of medical benefits coverage
Is PA an At-Fault State?
Pennsylvania has no-fault state insurance laws. This means that each insurance company pays their own policyholders for the cost of injuries resulting from an accident, regardless of who was at-fault.
What Is the Difference Between Full Tort and Limited Tort in PA?
In Pennsylvania, you can choose between full tort and limited tort car insurance protection:
- Full tort allows you to sue for pain and suffering if you’re injured in an accident.
- Limited tort means you cannot sue for compensation for pain and suffering after a car collision unless you’re seriously injured or the accident meets at least one of six other criteria. This option often gives you a lower monthly premium, but less coverage.
Proof of Pennsylvania Auto Insurance
If you’re a licensed driver in the state of Pennsylvania, it’s smart to keep a copy of your car insurance ID card in your vehicle with your registration. Pennsylvania is also among several states that now accept electronic proof of car insurance, and with The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Additional PA Car Insurance Coverages Available
For extra protection, Pennsylvania drivers have many options for additional coverage – from comprehensive coverages to roadside assistance. If you’re looking for car insurance in PA, you may want to consider
additional car insurance coverages and benefits, including:
Pennsylvania Uninsured Driver Facts
Although uninsured and underinsured motorist coverages are optional in Pennsylvania, they can help protect you from financial loss if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to pay for the injury they caused you.
Beyond Car Insurance: Staying Safe on Pennsylvania Roads
As you travel through
Pennsylvania, there are a number of safe driving laws meant to protect you on the roads.
4
Pennsylvania Seat Belt Laws:
Although Pennsylvania doesn’t have mandatory seat belt laws, you can still receive a ticket if law enforcement pulls you over for another reason and you’re not wearing your seat belt.
Pennsylvania Teen Driver Laws:
Getting a driver’s license is a rite of passage for most teenagers, and the state of Pennsylvania wants to be sure they stay safe in the process. That’s why PA has graduated licensing laws to make sure teens gain the experience and maturity required to be safe behind the wheel. These laws also limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
Common Questions About Car Insurance in PA
Do You Need Car Insurance in PA?
Yes, all vehicle owners need to maintain insurance coverage in the state of PA. If you have a
car insurance lapse, you could face penalties, like having your vehicle’s registration suspended for at least three months.
Does PA Require Auto Insurance?
The commonwealth of Pennsylvania requires all Pennsylvania vehicle owners to have vehicle insurance on any currently registered vehicles. In Pennsylvania, you’ll need these car insurance coverages:
Can You Get Car Insurance in Pennsylvania Without a License?
Request a Quote for Car Insurance in PA
To learn more, call our customer service representatives at
888-413-8970. Or, use our
car insurance quote tool for a quick and easy way to get your estimated price for car insurance in PA.
Last Updated: October 16, 2023
2 Bankrate, “Average cost of car insurance in Pennsylvania in 2023”
3 Pennsylvania Insurance Department, “Questions and Answers About: Automobile Insurance in Pennsylvania.”
4 Governors Highway Safety Association (GHSA), “State Laws.”
