Cheap Car Insurance Rates in Pennsylvania (2023)

Compare Auto Insurance Rates in Pennsylvania

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.

<zipcode>Find The Cheapest Auto Insurance In Pennsylvania:</zipcode>


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.


<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;Teens always pay more for insurance. Car insurance for 16-18 year olds in Pennsylvania is likely to be the highest costing insurance available. Here, the average cost for a teen may top out at $2,500 a year. To save money on auto insurance for teens, try keeping them on a parent’s policy and bundling.</qa> 

<qa>2;Car Insurance for Students (18-24 Years Old) in Pennsylvania;Insurance costs tend to drop when a student enters college due to their better levels of experience. Many are also not driving to and from school, reducing their usage. College students may still pay about $2,000 for coverage, or less.</qa> 

<qa>3;Car Insurance for 24+ Year Olds in Pennsylvania;Those who are at this age or older are likely to pay an average of $1,500 or less, depending on a variety of factors. Drivers are typically more stable at this age.</qa> 

<qa>4;Car Insurance for 55 (and Over) in Pennsylvania;At age 55, most people will qualify for the lowest car insurance rates of their lifetime, which could be around $1000 to $750. As you get older, your rates may increase if there are any health factors to consider.</qa> 

<qa>5;Car Insurance for Veterans in Pennsylvania;Veterans may qualify for a discount on auto insurance costs in Pennsylvania. That amount may range from 10 to 20 percent but varies by carrier.</qa>


AgeMost Popular VehicleGenderMost Common City
18 - 24ChevroletMale - 58% | Female - 42%Philadelphia
25 - 54ChevroletMale - 50% | Female - 50%Philadelphia
55 - 64ChevroletMale - 46% | Female - 54%Philadelphia
65 +ChevroletMale - 45% | Female - 55%Philadelphia

* This information is based on 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.


<twitter>In the state, it is illegal to sell motorized vehicles on Sundays.</twitter>


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 2017, 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 2017, 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.


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