If you own a vehicle in Pennsylvania its important to know the car insurance requirements as every vehicle registered in PA must have minimum amounts of liability insurance coverage.
Pennsylvania’s car insurance requirements are administered by the Pennsylvania Department of Transportation. Drivers with no insurance can face fines and vehicle registration suspension.
PA car insurance requirements currently (August 2010) require any vehicle to have at least:
- $15,000 in coverage for death or injury for one person in an accident
- $30,000 in coverage for death or injury of more than one person in an accident
- $5,000 of coverage for property damage
Why is car insurance important so important to have in Pennsylvania? Read below for more information on Pennsylvania car insurance or enter your ZIP above to get FREE Pennsylvania car insurance quotes online.
PA Car Insurance
Pennsylvania has one of the lower state requirements for car insurance however you should always consider increasing your coverage. Remember that simply having car insurance is not full protection in the event of an accident. It’s simply protection based upon the terms of your coverage up to your policy limits.
For example – Pennsylvania requires all divers to have $5,000 in property damage. What if you get in a car accident and damage a streetlight or other common road fixture. $5,000 may be just a down payment on the true cost and you will be personally liable for the rest.
The point of state car insurance requirements are to provide some form of basic coverage to property damage or injuries caused by others but these are just minimums to try and accommodate all income levels, the car insurance companies and more. As a smart consumer you should always prepare to get much more than the Pennsylvania state minimum requirements.
Is Pennsylvania a No Fault Car Insurance State?
Yes. There are currently only around a dozen states who operate under no fault car insurance laws but Pennsylvania is a no fault auto insurance state. This means that regardless of who is at fault each parties respective car insurance company will pay for damages to the respective vehicles.
No fault auto insurance is not a type of coverage – its a form of law that helps take away the question of “who was at fault” resulting in much less litigation, faster claims processing and (arguably) lower car insurance premiums.
How much is Pennsylvania Car Insurance?
Car insurance rates are determined by a number of factors. The greatest emphasis is placed on the type of car, your personal driving record and your credit score although there is a factor for where the vehicle is registered. According to a report by Insure.com (commissioned from Quadrant Information Services) Pennsylvania car insurance rates average just below the national average at an annual rate of $1,420.78 in 2010. Compare this to states like California ($1,774.41) and Michigan ($2,098.29) and PA car insurance is very reasonable for an average driver with an average car.
” Overall Pennsylvania ranked # 26 out of 50 States when it came to the cost of car insurance “
Pennsylvania Car Insurance Companies
Pennsylvania is home to a number of specialized car insurance companies who focus solely on the PA market and other east coast markets along with most of the big brand names like GEICO, Allstate and the Progressive car insurance company. Finding a PA car insurance company will be easy but you should also step back and make sure to compare as many companies as you can. It’s important to know all your car insurance coverage options and not just the minimum items required by law. If you start a car insurance comparison search online this can help you gather information about premiums, deductibles, types of coverage, policy limits and all the factors which make policies unique.
” The quality of your PA car insurance coverage will depend on both the company’s service and the details of your policy “
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