Pennsylvania Auto Insurance
Car Insurance Requirements for Residents of Pennsylvania
If you reside in the State of Pennsylvania, then having auto insurance is absolutely mandatory. If you are in the process of buying, registering, and driving your car, you need to establish financial responsibility. The Pennsylvania Department of Transportation (PennDOT) requires drivers to notify them once a vehicle has been purchased.
Methods for Establishing Financial Responsibility are:
- Having an auto liability policy that meets Pennsylvania’s regulations
- Being self-insured
The minimum requirements for Pennsylvania auto liability insurance are:
- $15,000 coverage for injury or death to one person in a single accident
- $30,000 coverage for injuries or deaths to more than one person in a single accident
- $5,000 coverage for property damage
When car insurance is purchased, you must immediately notify the Pennsylvania Department of Transportation (PennDOT). The reason for this is because they need to know the drivers’ information just in case any minor or severe accidents happen to take place. Maintaining full financial responsibility is your duty as a driver and disregarding to do so will result in consequences.
Under the laws of Pennsylvania, if caught driving without proving registration under PennDOT, there are penalties that must be adhered for failure to maintain financial responsibility:
- $300 or more fine for driving without insurance
- 3-month registration and driver’s license suspension
- $50 registration reinstatement fee
- $50 driver’s license reinstatement fee
- Vehicle cannot be driven by anyone else when suspended
Required Coverages for the State of Pennsylvania
- Medical Benefits
- Bodily Injury Liability
- Property Damage Liability
- Limited or Full Tort
Optional Coverages for the State of Pennsylvania
- Uninsured Motorist (UM)
- Underinsured Motorist (UIM)
- Stacking of UM or UIM
- Funeral Benefit
- Income Loss
- Collision
- Comprehensive
- Extraordinary Medical Benefits
- Accidental Death Benefit
- Rental Reimbursement Coverage
- Towing Coverage
- Gap Coverage
To see what discounts you qualify for, for Pennsylvania auto insurance companies, enter your zip code below to compare insurance quotes. Different companies offer different kinds of savings to help you with your monthly premiums. In a few minutes, you can find out how much more you could save.
Questions that will be asked on your insurance quote application are:
- Driver’s name, age, sex, marital status
- Driving record
- Annual mileage driven
- Full vehicle identification number
- Year of vehicle
- Cost of vehicle
- Special equipment (i.e. anti-theft devices, airbags, etc.)
When acquiring for car insurance in Pennsylvania, make sure to inquire about the length of the policy term. This changes per state, but for Pennsylvania the options are either semi-annual or annual.
Another tip to lower car insurance costs is to ask about higher deductibles. If you ask for higher deductibles on comprehensive and collision coverage, it is most likely that your monthly premium rates will be reduced. If you have a car that is worth less than $1000, you may want to rethink whether or not you should drop the comprehensive and collision coverage because it is not cost-effective.
Top 10 Pennsylvania Auto Insurance Companies
1. 21st Century
2. AAA Insurance
3. Allstate Insurance
4. Erie Car Insurance
5. Esurance
6. Liberty Mutual Insurance
7. Nationwide
8. Progressive
9. State Farm
10. Travelers
