Instant Pennsylvania Car Insurance Quote – PA Auto Insurance

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Those of you living in Pennsylvania looking to get car insurance, would definitely be better off if you were to get a Pennsylvania car insurance quote. Doing this will help make sure that you will get the best car insurance deal available.

There are lots of ways you can get a Pennsylvania car insurance quote. You can do it the old fashioned way, and go through the phone book. Then try and contact any and every car insurance company in Pennsylvania. Or, you can do it the much simpler and faster way and get Pennsylvania car insurance quotes online. Just enter your zip code above to get started.

If you would like to learn more about various aspects of Pennsylvania auto insurance, including minimum coverage requirements, laws, average premium rates, etc. then keep reading below.

Minimum Auto Insurance Requirements In Pennsylvania

Pennsylvania like all states sets it’s own liability insurance coverage minimums. At the current time all motor vehicles including: “cars, vans, motorcycles, recreational vehicles, trucks and buses must have liability insurance.” The minimum coverage amount is known as 15/30/5.

This means you must have at least $15,000 worth of coverage for injury or death of one person in an accident; $30,000 for injury or death of more than one person in an accident and $5,000 for damage to property of another person. These requirements are quite low in comparison with most other states. In addition to these amounts, you will also need to have at least $5,000 worth of medical benefits coverage.

Some Pennsylvania auto insurers offer a single $35,000 limit policy, which meets all minimum coverage requirements. However, please be aware that you are strongly recommended to get much more coverage than the legally mandated minimum. The basic Pennsylvania insurance coverage listed above, only pays out to other drivers if you are at fault. To protect your own vehicle you should at least consider damage coverages such as collision and comprehensive insurance.

Ideally, you should get as much coverage as you can afford. Moreover, you should be aware of many of the legal implications and options you have regarding your car insurance. A fully licensed insurance agent or insurance company representative can more fully explain your rights and obligations.

Pennsylvania State Auto Insurance Laws

Pennsylvania’s auto insurance laws differ from most other states in one key respect. As of right now, you have a choice when buying insurance between limited and full tort coverage. The difference is as follows: “Both allow you to sue for out-of-pocket medical expenses; full tort, however, gives you unrestricted rights to sue for non-monetary damages – such as pain and suffering. Limited tort typically gives consumers a savings on their premiums.”

Therefore, you’ll have to choose either to save some money now and give up some of your legal rights or maintain the full legal right to sue and pay more. Once, you have made the decision on the type of legal system you want to be covered under, there are a few other basic laws that you should be aware of.

The most important is that when operating your motor vehicle it always needs to be insured ,and you should always carry proof of Pennsylvania vehicle insurance. Failure to do so could result in fines (up to $300), suspension of your vehicle registration (up to 3 months), and/or suspension of your driver’s license (up to 3 months). Should your vehicle registration and/or license get suspended you will have to pay $50 for each to get them restored.

It should also be noted that more extreme offenses bring larger penalties. For example, a DUI conviction can result in fines up to $10,000, 5 years in prison and an 18 month driver’s license suspension. You can learn more by reading about Pennsylvania’s .08 DUI Legislation. Getting a DUI and/or other major convictions can result in car insurance companies legally canceling your coverage.

You can also learn more about your legal requirements as a driver and vehicle owner by reading the full-text of the Pennsylvania Financial Responsibility Law. It governs your financial responsibilities when driving in the state.

Pennsylvania Car Insurance Companies

There are a few ways to find Pennsylvania car insurance companies. The easiest, since you’re already here, is to get free instant Pennsylvania auto insurance quotes, using the zip code form at the top or bottom of this page. For more companies to choose from you have two other options. First, you can visit the Pennsylvania Department of Insurance List of Licensed Companies. It includes a list of all companies operating in the state.

Your second option is to choose from among the members of the Insurance Information Institute listed below:

Allianz of America, Inc.

Allstate Insurance Group

Bituminous Insurance Companies

Chubb Group Of Insurance Companies

Erie Insurance Group

Farmers Group, Inc.


The Hanover Insurance Group, Inc.

The Hartford Financial Services Group

Harleysville Insurance

Liberty Mutual Group

MetLife Auto & Home

Michigan Millers Mutual Insurance Company


OneBeacon Insurance Group

Safeco Corporation

Selective Insurance Group

State Auto Mutual Group

State Farm


Unitrin P/C Insurance Group


Westfield Group

Zurich North America

If you end up buying insurance from a company you’re not satisfied with, you may wish to file a complaint with the Pennsylvania Insurance Department. This is generally seen as an option of last resort, but you do have the right to do so.

Average Pennsylvania Auto Insurance Rates

Although, many people like to know the average price paid for auto insurance in their state, the actual number is not that important. In 2011, reported that the average Pennsylvania auto insurance rate quoted from their website was $1,358.89.

This is slightly below the national average. This is somewhat surprising since Philadelphia is the 3rd most expensive city in the US in which to get coverage, according to a report by the Insurance Information Institute. It also places the state as the 17th most expensive state in which to buy a policy.

The reason why these numbers are not really that important, is that they don’t help you. If you want to drive, you have to buy insurance. So, your goal should be to get the best rate you can. Auto insurance rates are based on dozens of factors, many of which are outside your control. Therefore, you should not be worried by how much your neighbor is paying for his or her insurance, but instead on how you can get coverage for less.

Pennsylvania Car Accident Statistics

On average, you are very slightly more likely to get in a fatal accident in Pennsylvania compared to the US as a whole. In 2009, there were 1,256 road deaths in the state, a drop from 1,646 deaths in 1990. This meant the fatality rate per 100 million miles traveled fell from 1.9 in 1990 (below the then national average) to 1.2 in 2009 (slightly worse the current national average).

Of the 1,256 fatalities, 406 (32%) were caused by drivers with a blood alcohol level above 0.08, placing it about on par with the national average. Thus, while the risk of driving in the state is very slightly higher than the national average, your overall risk is better than it was 20 years ago. Better yet, fatality rates are continuing to fall which means not only safer roads, but hopefully lower insurance premiums too.

Getting Pennsylvania Car Insurance Quotes Online

Getting quotes online is a much better option, as you will have more options available to you. You can compare everything much quicker and simpler than doing it over the phone. Everything that the various companies have to offer, will be available for your viewing online.You can see everything for yourself right in front of you.

When you get instant Pennsylvania auto insurance quotes online you may also be presented with the option of buying online. Some people like this option whereas others still prefer to buy through an agent. In either case getting the initial quote online, means you can get a good idea of your rates almost instantly.

Seeking Pennsylvania car insurance online is faster and is increasingly the preferred method of getting car insurance today. Whenever you’re looking for coverage, you will have to get as many quotes as you can.

A Pennsylvania car insurance quote will let you know how expensive your various options will be. The reason you want to get as many different quotes as you can, is so that you can compare all of the prices and get the best car insurance deal available.

Keep in mind that the cheapest car insurance deal may not be the best deal you can get. You will have to take into consideration several other factors and make sure that you get the most value for your money. Look at company reviews from groups such as the Eastern Pennsylvania Better Business Bureau and/or the Pennsylvania Insurance Department.

Insurance isn’t exactly cheap, so it is worth doing a bit of research. Remember, you’re likely only going to ever need your car insurance when something goes wrong; so make sure you buy from a company you can trust. You can use our quote form below to get multiple quotes from the largest and most trusted names in the business.

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