State Minimum Car Insurance in Pennsylvania – What You Need to Know

Table of Contents:

  • Pennsylvania Auto Insurance Costs by Insurer
  • Pennsylvania Auto Insurance Premiums by Driver Age
  • Pennsylvania Car Insurance Premiums by Gender and Marital Status
  • Average Pennsylvania Insurance Rates After A Violation or Accident
  • Pennsylvania Auto Insurance Premiums by Credit Tier
  • Expensive Pennsylvania Cities
  • Cheaper Pennsylvania Cities
  • List of Insurance Companies in Pennsylvania
  • No-fault Insurance in Pennsylvania Information

    The state minimum car insurance in Pennsylvania is the lowest amount of coverage you need to legally drive in Pennsylvania. Shopping around for your auto insurance can help you access the lowest possible rates by comparing premium costs from different companies. Prices vary considerably, so be sure to do your research to find the rate that best fits your specific situation.

    Pennsylvania Auto Insurance Costs by Insurer

    There are many different online sources you can use to help you find the most affordable rates. These insurance companies have the lowest rates for minimum auto insurance coverage in Pennsylvania, according to average quotes obtained by the website NerdWallet:

    Auto-Owners: $725 a year

    Donegal: $632 a year

    GEICO: $473 a year

    QBE: $373 per year

    Penn National: $512 per year

    Pennsylvania Auto Insurance Premiums by Driver Age

    MoneyGeek notes that inexperienced new drivers pay higher rates for auto insurance because of their higher risk for accidents. The website notes that Pennsylvania high school and college students who need affordable car premiums shop with one of these companies, with average annual rates as follows:

    • Allstate: $3637, or $303 a month
    • GEICO: $4542, or $379 a month
    • Nationwide: $4749, or $396 a month
    • Progressive: $4328, or $361 a month
    • State Farm: $3873, or $323 a month

      Pennsylvania Car Insurance Premiums by Gender and Marital Status

      According to The Zebra, men and women pay about the same amount for car insurance in Pennsylvania on average. The website reports an approximate annual premium of $1413 for female drivers and $1399 for male drivers.

      Married drivers in the state save just over $50 per year on auto insurance premiums. The website also notes that divorced drivers in Pennsylvania have some of the highest rates in the nation among comparable motorists.

      Average Pennsylvania Insurance Rates After a Violation or Accident

      NerdWallet reports that these insurance companies have the lowest average annual rates for Pennsylvania drivers who have no history of at-fault accidents and driving violations:

      • Erie: $2344 per year
      • Esurance: $2164 per year
      • GEICO: $2015 per year
      • QBE: $1469 per year
      • Penn National: $1969 per year

        If you have a recent at-fault accident, you may be able to save with one of these companies, offering the lowest minimum coverage rates on average for drivers like you:

        • Donegal: $837
        • Erie: $1017
        • GEICO: $674
        • QBE: $901
        • Penn National: $865

          Pennsylvania Auto Insurance Premiums by Credit Tier

          According to data from NerdWallet, these companies offer the best average annual rates for drivers who have low FICO credit scores:

          • Donegal: $959
          • GEICO: $642
          • Nationwide: $1079
          • QBE: $667
          • Penn National: $841

            Expensive Pennsylvania Cities

            Urban areas have a higher concentration of drivers and a higher rate of accidents compared to less-populated areas, so drivers who live in these ZIP codes will pay more for auto insurance. Residents of Darby, Philadelphia, and Yeadon have the most expensive average premium rates in the state according to data from the website

            Cheaper Pennsylvania Cities

            Conversely, you’ll pay much less than average for auto insurance if you live in a more rural area of the state. reports that Pennsylvania residents of Bellefonte, Jersey Shore, and Lockhaven pay the lowest rates for coverage.

            List of Insurance Companies in Pennsylvania

            According to, the best auto insurance companies in Pennsylvania include Progressive, Nationwide, MetLife, GEICO, and Allstate. The website bases its rankings on the high customer satisfaction scores these insurers received from J.D. Power and Associates.

            No-Fault Insurance in Pennsylvania Information

            Pennsylvania is a no-fault state for auto insurance purposes, which means each driver carries his or her own coverage for personal injury and property damage that occurs in an accident. Each driver’s policy pays for his or her own costs regardless of fault, which reduces the likelihood that motorists will end up in court or delay medical treatment because they cannot afford to pay the hospital bill.

            To that end, the state requires first-party benefit (FPB) coverage of at least $5000 per person. FPB pays for medical expenses incurred by you and your passengers after an auto accident.

            The Zebra reports that drivers in Pennsylvania must also carry at least the following insurance minimums:

            • $5000 per accident for liability for property damage
            • $15,000 per person for liability for bodily injury
            • $30,000 per accident for liability for bodily injury
            • $5000 in coverage for medical payments

              You can decide whether to carry tort coverage, which gives you the right to sue for pain and suffering if you experience injuries in an accident caused by another driver. Full tort has a higher premium but no limits, while limited tort comes with limited recovery but a lower premium cost.

              Penalties for driving without auto insurance in Pennsylvania include a three-month suspension of your driver’s license, suspension of your vehicle’s registration during the license suspension period, fines starting at $300, and restoration fees to restore your valid driver’s license and registration after 90 days.

              Drivers in Pennsylvania also have the option to self-insure according to ValuePenguin. In this case, you must provide bond or security of at least $50,000 for one vehicle and $10,000 for each additional vehicle, to a maximum threshold of $1 million. The security or bond can consist of:

              • A corporate bond issued by a company with a rating of at least A from Moody’s
              • A surety bond from a licensed Pennsylvania insurance company
              • An irrevocable guarantee letter from a Pennsylvania bank
              • An escrow deposit in an FDIC-insured account with a savings association, credit union, or Pennsylvania or U.S. bank
              • United States currency

                You must also submit an income statement or balance sheet for the previous 12 months along with your security or bond to the Pennsylvania Department of Transportation.

                Following these steps will provide the coverage you need to drive legally in Pennsylvania. Exploring our above research on the state’s average insurance rates can help you find an auto policy that fits your needs and budget.











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