Pennsylvania Auto Insurance

"Being insured is the law in Pennsylvania"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the state of Pennsylvania.

• What does the law say pertaining to minimum insurance coverage in Pennsylvania?

Pennsylvania has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways. In Pennsylvania, you can obtain your learner’s permit at sixteen and your restricted license at sixteen and a half, with a full license at seventeen and a half, with prefect driving record for first year and Driver‘s Education course completed, if not then eighteen years.

To adhere to Pennsylvania's auto insurance rules, you must...

In Pennsylvania, you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. Pennsylvania requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In Pennsylvania, you must have third party liability insurance for bodily injury with each person allowed $15,000.00, up to maximum of $30,000.00, as well as an additional $5,000.00 for property damages. If there are more than two people injured, whoever files first gets the settlement.

2. In Pennsylvania, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. You driver’s license can also be suspended if you owe back child support.

Important facts about auto coverage in Pennsylvania:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol or refusing to take a blood-alcohol test, and leaving the scene of an accident or failing to file an accident report. Seat belts are mandatory in Pennsylvania.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Pennsylvania

Auto Insurance FAQ

Question: What is the cheapest, full-coverage auto insurance in Pennsylvania for an age 54 female?

Answer: That is a question that is basically impossible to answer. It depends on a variety of factors, so what is best for me might be the highest for you. Just of few of the things they consider: age, gender, vehicle type, mileage, use (business or pleasure), zip code where it's parked at night, credit rating--and it goes on. Best thing to do. Find an independent agent not tied to one company, give him your information and needs, (comprehensive only, or full coverage, etc.) and let him search. Do consider uninsured/under-insured motorist coverage. Good luck in your search.

Question: can a 19 year old get their own auto insurance policy in pennsylvania?

Answer: Yes, it's going to be expensive, but you can get insurance.

Question: In Pennsylvania, can I rent a car if I don't have auto insurance?
And what happens if I get in an accident?

Answer: Yes, you can. The car rental place will make you purchase insurance to cover the vehicle during the time you are driving it though. I don't own a car, but I rent all the time when I have to go places for work. It works the same way in every state I have been to so far.

Question: When getting your car inspected do they call your auto insurance company?
I was just wondering if in Pennsylvania when getting your car inspected do they call your insurance company to make sure you have insurance on the vehicle or do they just look at your insurance card.

Answer: They don't look nor call, they don't have to. This information has been on line in PA since 1997. If your current insurance bill isn't paid, your file will be flagged and they can revoke your drivers license.

Question: Pennsylvania car insurance..?
I am from Allegheny County, and I was wondering some stuff about auto insurance. I was told that I had to have car insurance if i had a license with OR without a car. I don't have a car and do not plan on getting one. Is it true that you have to have insurance even if you do not own a car yourself? (i'm 19, living in a dorm in college so I would only be driving my parents car in the summer anyways.. so i don't want to pay a ton for insurance when i won't be using it.)

Answer: If you are living in a dorm at college, you are still considered a resident relative in your parents' household, therefore, you still need to be covered on their auto policy. PA is a PIP state & even if you are a passenger in another vehicle, your medical will come from their policy as a resident relative. Anyway, if you are at school, over 100 miles away, without a vehicle, you will get a significant discount on the policy. If you are a female away at school, you would be rate class would be what is known as "all other" which is the adult driver rate, which will cost your parents little to nothing to have you listed as a driver. If you are male, your rate is a little higher (but rated as a married male which reduces the rate significantly also). Have your parents call their insurance company to get a rate. The agent can explain this all to them.

Question: pa auto insurance?
how long is the jail term for a 2nd violation in 2 years for driving without insurance in pennsylvania?

Answer: 30 days, plus the car is impounded.

Question: Is car insurance cheaper in Delaware the PA?
I am going to be moving from Pennsylvania to Delaware in the upcoming months. I will need to change my auto insurance and was wondering for anyone else that has made this move, is it cheaper to insure in Delaware(Wilmington) then in Pennsylvania(suburbs)? Also, I got an online qoute from my current insurance company which I currently pay $157/month. Online it told me my premium would be $762/month or $4572 every 6 months so this is obviously not an accurate amount.

Answer: De is cheaper. my friend moved there. but do make sure you are moving to a good area because if an area has high crime, then the insurance will be more. do some research too. good luck.

Question: Im moving from Pa to Colorado, any culture shocks, laws, auto laws, etc; that i should be aware of?
In two years i am moving to the Leadville area in Colorado from Latrobe Pennsylvania. I'm moving for college purposes but plan on staying there for a long time. Is there any suggestions people have:? Maybe some culture shock i should be aware of? Laws that are different? Pet info? Auto ownership/driving/auto insurance laws? Ways to meet people? things to do? Anything is welcome concerning my move.

Answer: Culture shock, no. Do be aware that Leadville is at 9,000 feet elevation. You may very well get altitude sickness your first few weeks here. Drink alot of water, avoid alcohol, and get alot of rest at first.

Question: Auto Accident in PA: how do I collect when I don't have collision and it's the other drivers fault?
My son was involved in an auto accident in Pennsylvania with our 96 Maxima that has no collision insurance. The other driver was at fault and was cited by the police. How do we collect for damages? Must we sue the other driver? Do we talk to the other driver's insurance co?

Answer: No need to sue. Just file a claim against his liability coverage. Call and report the loss. The claims rep will explain the process to you. No big deal. No attorney needed. Edit - your insurance company will not help you recover your damages since you do not have collision coverage. If you have an agent, the agent can report the claim.

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