Pennsylvania Auto Insurance

Auto insurance in Pennsylvania

As a vehicle owner, having car insurance is mandatory by law, helping you stay protected in case of accidents. Whether you are using your car for personal or professional purposes, I had a quick insurance is a must. If there is no active insurance policy, you are liable for fines of up to $1,000 and you might even have your driving documents, such as the driver's license or vehicle registration, suspended for up to six months. If you are looking to discover more information on the topic of auto insurance in Pennsylvania, all you have to do is keep on reading this article.

What type of car insurance do you legally need in Pennsylvania?

According to the Mandatory Liability Insurance Act, all Pennsylvania residents who operate a moving vehicle should have a liability insurance policy. If the respective insurance policy is missing or has not been renewed, the respective vehicle registration might be suspended for several months or more. There is also an insurance verification system accessible online, which can be used to determine whether a vehicle owner has insurance or not.

For the resident to operate the vehicle in the state of Pennsylvania, the associated auto insurance must meet several requirements. These include: bodily injury liability ($30,000 per accident and $15,000 per person), property damage liability ($5,000 per accident), uninsured/underinsured motorist bodily injury ($30,000 per accident and $15,000 per person), and first party benefits ($5,000). The full coverage insurance has more advantages to offer than the minimum liability coverage, including when it comes to options such as comprehensive and collision insurance. It is recommended to choose a higher coverage limit than the one imposed by law in Pennsylvania. Thus, you will benefit from the best possible protection should the worst-case scenario occur.

The sums mentioned above refer to the amounts insurance providers will pay, should the driver be involved in an accident for which he/she is at fault. The law requires that all vehicle owners carry a copy of their insurance policy while driving. Naturally, driving without insurance in Pennsylvania is illegal, with consequences such as legal files and the suspensions of one's driving documents (driver's license, vehicle registration). If one continues to drive without a valid insurance policy, jail time might be legally imposed.

Average cost of auto insurance in Pennsylvania

How much does auto insurance cost in PA? The state minimum auto insurance policy in Pennsylvania has a value of $398. However, a full coverage insurance policy has an average value of $1,266 per year. Collision and comprehensive are not always included in this policy, which means you'll have to calculate your budget accordingly. Among the factors influencing the overall insurance rates, there are: type of vehicle, presence of prior insurance, number of miles driven, location, driving record, age, gender, and marital status. It is recommended to select an insurance policy that offers a wide coverage, staying away from those with the lowest value.

Everyone knows that the average cost of auto insurance varies from one state to the other. Such differences have been noticed for both the minimum and full coverage, including when it comes to options such as comprehensive and collision insurance. Some of the factors influencing these values include: weather-related accidents, at-fault accidents, number of drivers versus the general population, number of uninsured drivers in the respective location, and road conditions.

Pennsylvania has a rate for the average car insurance than the national median, which is around $1,770. Among the states with the most expensive policies, there are: Pennsylvania, New York, Nevada, Michigan, Louisiana, Florida, Colorado, and California. Now most affordable states, on the other hand, include: Wisconsin, Washington, Tennessee, Oregon, North Dakota, New Mexico, Nebraska, and Maine. New York is the most expensive, with $1,339 for the minimum coverage and $2,996 for the full version. Maine is the most affordable, with $227 for the minimum coverage and $876 for the full version.

Within the state of PA, there might also be differences between the various cities. Erie has some of the most affordable rates to offer, while Philadelphia stands at the top of the list in terms of costs. The average annual premiums are as follows: Erie - $1,790; Scranton - $1,864; Pittsburgh - $1,867; Allentown - $1,874; Philadelphia - $3,315.

One of the main factors influencing the value of auto insurance is the driver's age. This type of insurance is more expensive for young drivers, as insurance companies perceive them as immature and irresponsible. A teenage driver will usually pay an annual premium of over $7,700, while a middle-aged driver will be prepared for an annual premium with a value close to $2,000. Gender differences are present as well, with men having access to more affordable rates than women. Married couples might also benefit from attractive insurance rates, in contrast to those who are single, widowed, or divorced.

Car insurance companies might also rely on the driver's credit history when calculating the value of a potential coverage policy. A driver with an exceptional credit can save significant sums on his/her insurance premium, while someone with a poor credit history will struggle to meet the high rates. Prior driving offenses increase the value of auto insurance, including speeding, reckless driving, at-fault accidents, and DUI/DWI. It is a known fact that the rates vary in accordance with the preferred type of coverage. Vehicle owners are encouraged to add both comprehensive and collision to the state minimum policy, so as to increase the level of protection in case of accidents.

Did not find your city or county on the list? Please use our auto insurance companies search box at the top to locate all the best auto insurance quotes in Pennsylvania. Find car insurance in Pennsylvania by city, zip code or county name.

Finding the right auto insurance in Pennsylvania

If you need assistance locating the right insurance policy, we might be able to help. Thanks to the experience and knowledge accumulated in the field of auto insurance, we are able to match drivers with the best policies for their needs. Of course, in suggesting a particular policy, we will also give careful consideration to the available budget. All you have to do is give us a call and we will be more than happy to offer the necessary support. This service is completely free and it can make a genuine difference whereas your insurance needs are concerned.