Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

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Pennsylvania State FlagKnown fondly by its residents as “The Keystone State”, and with time-honored cities such as Philadelphia and Pittsburgh, Pennsylvania is a state filled with historical wonders, friendly people, and a diverse array of industries. Whether you’re thinking of moving to Pennsylvania or you’re already there, you’re going to need auto insurance before you can drive your car on the streets in any city, or even the dirt roads of any county. Pennsylvania has a number of mandatory auto insurance coverage policies that one must ensure they purchase prior to driving in the state. These coverage plans are pretty typical insurance policies, and are required in many other states to consider yourself “fully insured”.

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Pennsylvania Auto Insurance Laws And Requirements

In Pennsylvania, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $15,000 per person
  • Bodily Injury Liability Coverage – $30,000 per accident
  • Property Damage Liability Coverage – $5,000 per accident

Take a look at how Pennsylvania’s minimum rates compare with surrounding states.

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Medical Benefits Coverage

  • $5,000 coverage per person

Optional coverage options in Pennsylvania include:

  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured Motorist Coverage
  • Under-insured Motorist Coverage
  • Rental Car Reimbursement Coverage

“Medical Benefits” coverage is insurance that pays the medical bills for the driver, passengers and others (depending on the policy), regardless of whom is considered to have caused the accident. The minimum Medical Benefits insurance coverage you can have in Pennsylvania is $5,000, but with the cost of medical treatment today it’s recommend to go far higher than the minimum.

A minimum $15,000 of “bodily injury liability” coverage is required, which is insurance that covers the medical bills for any one person that sustains an injury in an accident that you are at-fault for. One must have a minimum of $30,000 of BIL coverage to cover all injured persons in a single accident. Again, as medical and rehabilitation costs are quite high, it’s best to get as much BIL coverage as you can afford when purchasing your Pennsylvania auto insurance.

Finally, every driver must have a minimum of $5,000 in “property damage liability” insurance coverage, which covers any property damage that you cause in an accident. $5,000 is one of the lowest minimum insurance requirements in the nation for PDL, and again, it’s recommended that you exceed this number. As anyone who has been in even a small fender bender accident can attest to – auto body repair is very costly and at least $5,000 in damage to a car is likely in any accident at city or freeway driving speeds.

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Average Auto Insurance Rates in Pennsylvania

2010 statistics show that Pennsylvania drivers paid an average of about $1420 per year for automobile insurance, or about $120 per month.

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This ranks Pennsylvania about 25th in the nation for auto insurance rates, which is the middle of the pack. The national average is around $1430 per year, so Pennsylvania is right in center. One interesting variable that can rapidly change the cost of auto insurance in Pennsylvania is the driver’s city of residence. The average cost of insuring a car in Philadelphia is about $800 more per year than it is to insure the same car in Pittsburgh – a city much closer to the average rate.

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Factors that cause this rate discrepancy are items like theft rates and accident rates. Insurance companies work to make sure that their customers pay a fair rate for insurance, so don’t be surprised if your insurance quotes come in higher or lower than the Pennsylvania state average.

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While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. However, Pennsylvania differs from many of the other states in the union and has outlawed charging different rates based on gender.

That being said, younger drivers almost always pay higher rates, simply due to a lack of experience.

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Pennsylvania Auto Insurance Rates by Company

Though the state boasts affordable auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

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But which companies are the largest, holding the most market share percentage in the region?

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Auto Insurance Information For Cities/Towns In The State

Pennsylvania Auto Insurance Agents

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Pennsylvania Accident And Theft Statistics

In 2009, Pennsylvania recorded just over 120,000 automobile crashes on roads throughout the state. This number was a decrease from 2008, and has been trending downward for the past few years. Just 1,250 fatalities were recorded in 2009, which was the lowest fatality rate for Pennsylvania auto accidents since the early 1950s. December was the month with the highest crash count, and Allegheny County was the county with the highest total number of crashes in the state.

Pennsylvania has also been a national leader in reducing incidences of auto theft across the state. 2009 saw just 17,700 auto thefts, down from 22,300 in 2008; this represents a decrease of twenty percent in a single year. Motor vehicle thefts are down a total of thirty-seven percent since 2005, reflecting how much work law enforcement has put in to stamping out auto crime in Pennsylvania. These numbers include automobiles, trucks, buses, and motorcycles, and overall give Pennsylvania a theft rate of 143 motor vehicles per 100,000 citizens.

Whether you’re a Steelers or Eagles fan, or root for the Phillies or Pirates, you’ll need to deal with your Pennsylvania auto insurance before you get on the road. The above information should give you some idea of what auto insurance is all about in Pennsylvania – the rest you can find through research or speaking with an auto insurance agent. Before you purchase your next Pennsylvania auto insurance policy, make sure you spend some time hunting down a good price. With the wide variety of insurance companies and plans available today, you’re bound to find some great deals and discounts can save you a ton of money. Good luck!

Additional Pennsylvania Auto Insurance Resources