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Pennsylvania Car Insurance Guide

Searching for car insurance in the quaker state can be a pain, especially if you are not versed in the no-fault insurance laws. We have compiled this guide that lists everything you need to know so that you can easily get the car insurance policy that fits your personal needs - at the lowest rate.

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Minimum Requirements in Pennsylvania

Pennsylvania is a no-fault car insurance state. This means you will file all claims with your own car insurance company up to your policy limits. Once you have reached your limits you can make a claim with the at-fault driver's insurance company. Here we have provided a list of the Pennsylvania state law minimum requirements:

Bodily Injury Liability Coverage $15,000 per person and $30,000 per accident.
Property Damage Liability Coverage $5,000 per accident. 
Personal Injury Protection $5,000 per accident.


Do I Need More Than the Minimum Coverage?

It is a great idea to get more car insurance than the minimum required in Pennsylvania. An accident can be costly, even just a fender bender. If you only have the minimum property damage of $5,000 that is not going to go far and you will be paying out-of-pocket for the rest of the damages. Increasing your policy limits is a good place to start as well as looking into additional coverages.


Additional Coverages Available in Pennsylvania 

As we suggested if you add additional coverages to your minimum required car insurance it can really provide peace of mind. There are a number of policies that each have unique circumstances to provide coverage in almost any circumstance. We put together a list of additional coverages:

  • Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for. 

  • Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen. 

  • Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident. 

  • Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances. 

  • Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars. 

  • Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.


Teen Drivers in Pennsylvania

At 16 a teen can get their permit in Pennsylvania and they are off from there. Once this journey begins it is time to start looking for car insurance. A teen driver is held to the same standards as adult drivers and requires the same insurance. Getting car insurance for a teen driver is expensive, to say the least, mostly because they are inexperienced drivers. You can add a teen driver to your existing policy, typically the cheapest option or they can get their own policy. 


Do You Have More Than One Driver in Your Home?

Do you live in a house with multiple licensed drivers? If you do let your car insurance company know. This will help ensure you have a policy that fits your needs. Disclosing this information can keep you from issues of non-coverage or owing more premiums. 

If you do not want to add all of the drivers in your home to your car insurance policy you do not have to. It is important to speak with your car insurance company about the drivers you want to exclude from your policy. When you exclude a driver do not let them use your vehicle. They will not be covered and you could be responsible for any damages. 


Penalties for Driving Without Car Insurance 

If you do not have the minimum required car insurance and you get caught you will have to face some penalties. In Pennsylvania the Penalties for each offense is the same, there is no escalated penalty structure. However, you are given the option to pay a civil penalty to waive the driver's license suspension, the civilian penalty is $500. Here is a list of the penalties you will face if you don’t have car insurance:

  • You will pay a $300 fine.

  • Your driver's license will be suspended for three months. You will have to pay an $88 restoration fee.

  • Your vehicle registration will be suspended for three months. You will have to pay a $91 restoration fee. 


Car Insurance Discounts in Pennsylvania

Learning what car insurance discounts your company offers is a great way to cut costs on premiums. We recommend asking your car insurance company for a complete list of discounts. By doing this you can see all the discounts you qualify for. We provided a short list of common discounts in Pennsylvania to get you started: 

  • Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations. 

  • Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance. 

  • Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.


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