Compare car insurance quotes from several top insurance companies and find the cheapest auto insurance rates in the state of Pennsylvania in less than 5 minutes. Let CheapQuotesCarInsurance.com teach you everything you need to know about buying affordable auto insurance that fits your budget and your lifestyle. Learn about Pennsylvania minimum car insurance requirements and how the cost of auto insurance in Pennsylvania compares to the cost of auto insurance in other states. We offer top online car insurance comparison tools for Pennsylvania residents. Car insurance rates change every year, so be sure to view quotes from at least two insurance companies and lower your car insurance premiums today.

Pennsylvania Minimum Car Insurance Requirements:

Pennsylvania state law requires that car insurance policies must include a minimum bodily injury liability coverage limit of $15,000 for one person in an accident and $30,000 for all persons injured per accident. The minimum property damage liability coverage limit is $5,000. These minimum coverage limits for Pennsylvania are more commonly listed as 15/30/5. Pennsylvania also requires a minimum Personal Injury Protection coverage of $5,000. Pennsylvania does not require Uninsured/Underinsured Motorist coverage.

Pennsylvania’s Most Common Car Insurance Coverage

The cheapest Pennsylvania auto insurance policies will only meet the minimum state requirements for insurance coverage, but many customers will want and need more insurance coverage including: coverage for uninsured/underinsured motorists, collision, and comprehensive coverage. Discover which coverage is best for you.

Pennsylvania Auto Insurance Laws

Pennsylvania is NOT a no-fault state but rather follows a Tort system. This means that the driver who is at-fault in the accident and the at-fault driver’s insurance company pays the victim’s medical expenses. Also, the victim has the option to file a claim against the at-fault driver for additional and related damages including lost wages and pain and suffering. Pennsylvania has a unique Tort system, where drivers decide between limited tort and full tort coverage on their auto insurance policy. With Limited Tort coverage drivers give up their right for compensation for their and their passengers pain and suffering if the other driver is found at-fault in an accident. While this coverage is usually around 15% cheaper than full tort coverage, it is not recommended. Limited Tort coverage not only puts you and your passengers at risk in your own car, but it even applies when you or your children are injured as passengers in someone else's car or even as a pedestrian. Full tort coverage allows the driver and his passengers to be seek money for pain and suffering if the other driver is found at-fault in an accident. Spending a little more money now on Full tort coverage could save you tens of thousands of dollars later.

Average cost of Car Insurance in Pennsylvania

The National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute (I.I.I.) provide data about car insurance premiums for all 50 states. Pennsylvania residents spend an average of $820 per year for car insurance (liability coverage). Pennsylvania ranks as the 35th cheapest state to buy auto insurance. The national average is $811 per year for car insurance (liability coverage). In 2010, Pennsylvania car insurance premiums have decreased slightly compared to 2009. Now is the time to compare auto insurance rates from multiple providers to lower your car insurance premiums.

We offer local car insurance quotes available in all of Pennsylvania including:
Allentown
Altoona
Bethlehem
Erie
Harrisburg
Lancaster
Levittown
Philadelphia
Pittsburgh
Reading
Scranton
State College

Insurance companies weigh the factors that affect your car insurance rates differently so everyone’s rates will be different for each company. Smart auto insurance shoppers will compare quotes from several car insurance companies to find the cheapest car insurance quote possible. CheapQuotesCarInsurance.com has partnered with top insurance companies like Geico, Nationwide, AllState, Esurance, Liberty Mutual, and Travelers to provide our customers with affordable quotes from highly reputable insurance providers. Enter your zip code and answer several general questions about your driving history to compare Pennsylvania auto insurance rates and save money on your auto insurance premiums.

To contact Pennsylvania’s department of Insurance:

insurance.pa.gov

Mailing address:
Pennsylvania Dept. of Insurance
1326 Strawberry Square
Harrisburg, PA 17120

Phone number
(717) 787-2317

Toll-Free in Pennsylvania only
(877) 881-6388

Fax number
(717) 787-8585