Pennsylvania Auto Insurance
All vehicles registered in Pennsylvania must have auto insurance which meets minimum levels of coverage set by the Pennsylvania Department of Insurance however these limits are some of the lowest in the nation. Drivers are only required to purchase auto insurance coverage with a minimum of $15,000/ $30,000 in liability insurance and $5,000 in general property damage coverage. Driving with no auto insurance in Pennsylvania can expose a driver to serious fines and penalties however if you only purchase an auto insurance policy which conforms to these state minimums you basically have no protection in anything more than a minor accident.
How much auto insurance do you need in Pennsylvania?
The first thing you need to understand about Pennsylvania state minimum auto insurance requirements is the state only requires liability insurance. This means in accidents where you are at-fault there is NO coverage for any damage to your vehicle or injuries. Even with $15,000 of insurance not a single penny can be used for repairs to your vehicle or medical bills for your injuries. Liability insurance is only to cover the cost of damages/injuries to other people.
How much can $15,000 in liability insurance cover? Not much if you total another vehicle or if there are medical expenses for somebody injured in an accident. How about a small lawsuit for emotional damages? Most auto insurance settlements are north of $15,000.
How much auto insurance should I buy in Pennsylvania?
No matter where you live you should always look for an auto insurance policy that has much higher limits of liability insurance ($100,000 or more) and some form of comprehensive and/or collision coverage. Many drivers even opt for other forms of supplemental insurance such as uninsured motorist coverage, GAP insurance and more. It’s hard for anyone to say how much insurance you require without looking at your overall profile but rest assured; anyone with a policy that just complies with Pennsylvania state minimum auto insurance requirements is a financial disaster waiting to happen.
How much does car insurance cost in Pennsylvania?
Pennsylvania residents average around $1,420 annually for auto insurance coverage which is just a few dollars short of the national average. Good drivers can often pay much less by shopping around and comparing auto insurance companies while high risk drivers (such as young drivers and those convicted of a DUI) can pay well over $2,000 a year in premiums.
How to find Affordable Auto Insurance in Pennsylvania?
The first, and most important, step toward finding affordable auto insurance is to learn how car insurance works. By understanding the different types of coverage, policy deductible options and how much insurance you need its easier to compare polices equally and compare providers. Even high risk drivers can often find affordable auto insurance rates in Pennsylvania but without understanding how auto insurance works your premiums will be subject to how “lucky’ you are choosing a provider.
The Pennsylvania auto insurance market is very competitive and over 100 auto insurance companies provide coverage. Many of the national brand names such as GEICO and Allstate have a presence in PA but there are also dozens of regional and local providers who offer very affordable coverage with stellar reputations of handling claims and providing customer service. Get started with your Pennsylvania auto insurance comparison search today and compare auto insurance quotes online.
