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Pennsylvania Car Insurance Minimum Requirements And No Insurance Fines

If you are looking for Pennsylvania car insurance rates you have come to the right place. All you have to do is enter your five digit zip code at the top of the page and you can get low cost insurance quotes from top insurers in your area.

The process takes less than a couple of minutes. If you would like to do a little research then we have provided the minimum cover required, the average cover per driver, fines and penalties for driving without insurance, and other interesting facts you may not know about Pennsylvania.

Cheapest insurance companies in Pennsylvania.

Cheapest & Expensive Auto Insurance Firms in Pennsylvania

RankAuto Insurance CompanyAverage Annual Rates 25 Y/O DriverAverage Annual Rates 40 Y/O Driver
1Erie$1,098$768
2Harleysville$1,112$788
3Amica$1,143$793
4Donegal Mutual$1,165$804
5Auto-Owners$1,214$799
6Atlantic States$1,243$868
7State Farm$1,324$798
8General Casualty$1,311$805
9State Auto$1,367$911
10Allied$1,363$903
11Allstate$1,378$845
12National General$1,354$907
13The Hartford$1,401$967
14Mutual Benefit Group$1,578$1,008
15American Independent$1,632$1,067
16Motorists Mutual$1,678$1,123
17Safe Auto$1,689$1,096
18Sentry$1,754$1,129
19Cal Casualty$1,512$976

Note: The table is ranked for a 25 year old driver and not a 40 year old. Most of the more established insurers give lower rates for older drivers.

2nd list of affordable auto insurance in Pennsylvania.

The state of PA has implemented a “no-fault” policy for drivers which helps to keep the cost of insurance charges down and to lower the amount of court action lawsuits by other no-fault drivers.

There are constraints to the no-fault policy when the expenses surpass a set amount then the driver may held accountable for the damaged caused during the accident.

Bodily Injury Liability

The minimum cover is $15,000 for injuries to a single person and up to $30,000 for multiple passengers concerned in the accident.

These are the minimum requirements for the state, but the maximum the insurer will pay.

Property Damage Liability

The minimum cover is $5,000 for repairs to any property which may have been damage in the accident.

These items are places of business, stop signs, or traffic lights. This cover will pay up to the maximum amount for the other driver’s automobile.

In insurance terms, the minimum cover is 15/30/5 which the numbers are always represented by thousands and are the same as mentioned above respectfully.

The state of PA requires drivers to have a minimum amount of medical coverage benefits in the amount of $5,000 which will cover for any injuries you may have incurred during the accident and to any of your passengers.

It is important to note many drivers get only the minimum cover if they have a health insurance policy, but you would want to consult with your health and car insurance agent to be sure your health insurance plan will extend to all the passengers.

If your health insurance plan doesn’t then you may want to increase the limit of medical cover on your car insurance policy.

The average amount of cover per driver in the state of Pennsylvania

  • Bodily Injury Liability – 100,000/300,000

  • Property Damage Liability – 50,000

  • Uninsured Motorist Protection – 100,000/300,000

  • Medical Expense Cover – $5,000

  • Comprehensive Coverage – $100 deductible

  • Collision Coverage – $500 deductible

  • Medical Payment Cover – $0

Fines and Penalties – Driving without insurance in Pennsylvania

  • Registration suspended for three months

  • License suspended for three months

  • Minimum fine of $300

  • Restoration fees to restore your license and registration

  • Vehicle impounded

  • If convicted, you are required to turn over you license, registration, and stickers to PennDOT.

Pennsylvania has not implement an electronic scanning of plate by the police or sheriffs. You have to commit a moving or traffic violation before the police can ask for proof of insurance.

If you do not have proof of insurance during the time of an accident your vehicle will impounded on the spot. 

Top Insurers Offering Discounts

Below is a list of discount offered by insurance firms. Be sure to ask about them. And as illustrated by the graph you can get a 20 percent or more of a discount.

Insurance CompanyGood DriverMulti-PolicyLow MileageMulti-VehicleSafety Features
Erie
Harleysville
Amica
Donegal Mutual
Auto-Owners
Atlantic States
State Farm
General Casualty
State Auto
Allied

As illustrated, the biggest car insurance discounts are for those with a clean driving history. Although the discounts are 5 to 12 percent it can add up giving you a nice discount on your policy.

Best discounts for car insurance in Pennsylvania.

Pennsylvania Avg Compared to National

Typically Pennsylvania has been below the national average. If your rate is unusually high you might want to check your driver history, credit, or any other determining factors which could raise your premium.

Comparing national average to Pennsylvania car insurance average.

Local Car Insurance Agents in Pennsylvania & Average Rate

CityAvg. Insurance RateCityAvg. Insurance Rate
Abbottstown$854Hermitage$912
Allentown$846Jeannette$943
Altoona$902Johnstown$976
Arnold$1,032Lancaster$983
Beaver Falls$912Latrobe$832
Bethlehem$956Lebanon$812
Bradford$948Lock Haven$894
Butler$932Lower Burrell$1,076
Carbondale$1,056McKeesport$816
Chester$854Meadville$1,123
Clairton$867Monessen$902
Coatesville$911Monongahela$910
Connellsville$900Nanticoke$935
Corry$979New Castle$1,065
DuBois$999New Kensington$864
Dushore$943Oakmont$879
Easton$944Parker Ford$848
Erie$979Philadelphia$1,101
Fallston$1,005Pittsburgh$1,096
Franklin$875Pine Grove$987
Greensburg$832Pottsville$818
Harrisburg$854Scranton$962
Hazleton$899Wilkes-Barre$1,001

Final Thoughts

At Autoinsuresavings we are committed to helping drivers getting the lowest auto insurance rates in PA whether you live in Wilkes Barre, Williamsport, Easton, or Lebanon.

Once you have entered your zip code you will receive auto insurance quotes from top insurers then you are on your way to savings hundreds of dollars over the next couple of years.

Once you have found a policy which fits your needs be sure to go over the details with an agent or broker.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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