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Pennsylvania Auto Insurance
Pennsylvania driving laws can be complex, and insurance policies are even more confusing. Yet, there is help for those looking for cheap auto insurance that’s fitting to their needs. Learn more about the auto insurance in Pennsylvania that meets state laws and keeps your budget in line with your goals.
Car Insurance Requirements in Pennsylvania
Every driver needs to meet Pennsylvania minimum auto insurance requirements. This is the very lowest level of coverage you can have in the state to legally operate on the road. Pennsylvania car insurance laws indicate the following:
- $15,000 worth of bodily injury liability insurance per person and per accident
- $30,000 worth of bodily injury liability insurance total per accident
- $5,000 worth of property damage per accident
- $5,000 worth of medical benefits coverage
Is Pennsylvania a No-Fault State?
Pennsylvania is a no-fault state. That means that fault is less of an important component of the process. Rather, your auto insurance company may cover the bills you incur, as well as those of your passengers, no matter who is at fault.
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.
Car Insurance Prices in Pennsylvania
Car insurance prices will vary based on the type of vehicle, age, experience, and driving record for the individual. However, the average driver will pay $1,735 for full coverage insurance or about $700 for just liability. For high-risk drivers, costs can be much higher ranging from $2,500 up to $4,000.
| Age | Most Popular Vehicle | Gender | Most Common City | ||
|---|---|---|---|---|---|
| 18 – 24 | Chevrolet | Male – 58% | Female – 42% | Philadelphia | ||
| 25 – 54 | Chevrolet | Male – 50% | Female – 50% | Philadelphia | ||
| 55 – 64 | Chevrolet | Male – 46% | Female – 54% | Philadelphia | ||
| 65 + | Chevrolet | Male – 45% | Female – 55% | Philadelphia | ||
* This information is based on Pretected.com users.
Traffic Violations and Fines in Pennsylvania
Speeding Ticket Cost in Pennsylvania
Getting a speeding ticket in Pennsylvania can be expensive with fines ranging from $90 up to several hundred. Fines are based on how fast you were traveling, the area, as well as any repeated history you have. Reckless driving in Pennsylvania increases those fees and accounts for two points on your license. In some case, you may see your licenses suspended for severe cases.
Driving While High Laws in Pennsylvania
You can be arrested for driving a car under the influence of any type of drugs, including marijuana. Fines for drug or alcohol use can amount to between $300 and $5,000. Individuals may also spend from two days to six months in prison and then lose their license for up to 12 months.
Driving Without Car Insurance in Pennsylvania
Driving without car insurance in the state amounts to a $300 fine. It may also include a three-month suspension of license and registration and a restoration fee of over $90. In some cases, the vehicle may be impounded.
Texting and Driving in Pennsylvania
It is illegal for a driver to use a cell phone or any mobile device while driving. A $50 fine is the first cost, along with court fees. Repeated violations will increase these costs. This includes all cell phone use while driving. Other forms of distracted driving, such as eating while driving, may warrant a ticket if you drive recklessly while doing so.
In the state, it is illegal to sell motorized vehicles on Sundays.
Pennsylvania Car Accidents
Car accident statistics in Pennsylvania can show you just how risky the roads can be. Take a closer look at some of the car accidents in Pennsylvania and why they happen.
Reasons for Car Accidents in Pennsylvania
In 2026, there were 1,083 fatal car accidents in the state amount to a total of 1,137 deaths. Motorcyclists were at a high risk with 187 crash deaths attributed to motorcycle riders that year. In addition, 147 pedestrians and 21 bike riders were killed.
Car Accident Statistics By Vehicle Type in State
In the state, there were 467 people killed in car crashes that involved just passenger vehicles. In addition, 250 people died as a result of accidents involving a pickup truck or SUV. Large trucks were involved in 27 deaths that year.
Car Accidents in Pennsylvania ““ More Facts
Of the car accidents in 2026, 597 of them were single-vehicle accidents. In addition, 279 drivers were killed as a result of drug or alcohol intoxication with an evident BAC.
Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Pennsylvania
- You cannot walk backward in front of various event halls on city streets with specific mention to eating peanuts in front of some locations.
- Motorists were required to stop every mile and use a signal to alert livestock of their presence when driving at night.
Looking for Auto insurance in Pennsylvania? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s “Smart Match”:
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.