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As a resident of the State of Pennsylvania who wants to operate a motor vehicle, you need to abide by all the laws it implements that revolve around auto insurance. These regulations protect all parties that may get involved in a road traffic incident.

This said, you should take the time to learn as much as you can about Pennsylvania car insurance. This way, you remain a law-abiding citizen while also protecting yourself, your passengers, as well as the other individuals who you share the streets with.

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Average cost of car insurance in Pennsylvania

The National Association of Insurance Commissioners (NAIC) claim that the average person pays roughly $841.42 for car insurance in Pennsylvania each year.

They broke this figure down to:

$497.28 is the average annual liability insurance expenditure.

$301.49 is the average annual collision insurance expenditure.

$131.71 is the average annual comprehensive insurance expenditure.

Young Drivers in Pennsylvania

The main factor that can have a significant impact on auto insurance premiums is the level of coverage. Our study showed that a young driver in PA can have a yearly average of:

  • $1331.2 for state minimum coverage1,
  • $2830.8 for basic full coverage2 and
  • $3637.2 for premium full coverage3.

Because teens and new drivers don’t have the same knowledge, experience, and skills as older motorists do, it makes them high-risk in the eyes of insurance companies. The higher the risk is, the greater the associated costs.

Female Drivers in Pennsylvania

Women have long since shown how big of an importance they place on driving safety. Statistics back this up, showing how infrequently they get involved in car accidents. This is why a female driver can expect to pay just a yearly premium average of:

  • $709.6 for state minimum coverage,
  • $1437.2 for basic full coverage and
  • $1869.6 for premium full coverage.

Our methodology4 shows that women can pay as low as half of what young drivers pay. This will still depend on several factors though, such as the car they drive and the safety features the vehicle comes with.

Senior Drivers in Pennsylvania

A senior driver can expect to pay a yearly premium average of:

  • $673.2 for state minimum coverage,
  • $1342.4 for basic full coverage and
  • $1743.6 for premium full coverage.

Our case study indicates that the Keystone State offers seniors with premiums even more wallet-friendly than it does to female drivers. 

Minimum car insurance requirements

Pennsylvania obligates all of its motorist-residents to carry two different types of coverages in their motor vehicle insurance policy. These include the medical benefits coverage and the liability insurance coverage.

As one of the 12 no-fault states in the nation, all PA drivers have to purchase and maintain, at the very least, the medical benefits coverage minimum of $5,000. Having this in your policy will give you peace of mind, knowing that you will receive financial aid from your insurer in the event you and/or one or more of your passengers sustain injuries after a road accident. Your insurance company will help cover your (and/or your passengers) medical expenses regardless of who caused the unfortunate incident.

Liability insurance coverage, on the other hand, helps in covering expenses relating to bodily injuries and property damage you have caused. You need to maintain the following mandatory coverage minimums: $15,000/person/accident for bodily injury, $30,000/accident total bodily injury (for accidents with more than one victim), and $5,000/accident for property damage.

There are many other types of coverage you may choose to add to your policy to make it more extensive. Choosing to upgrade from the minimum requirements will provide you with more protection. The non-mandatory types of coverage you can purchase include collision, comprehensive, uninsured motorist, underinsured motorist, rental car reimbursement, towing, and funeral.

Read Car Insurance: The Facts to learn more.

Violations and Penalties 

In the State of Pennsylvania, those caught driving without the proper auto insurance coverage will have to pay a fine ranging anywhere from $130 to $1,000. They would also have to continue providing proof of financial responsibility for three years.

Driving safety in Pennsylvania

According to the Centers for Disease Control and Prevention (CDC), only 84% of drivers and front-seat passengers put on their seatbelts. This makes the state have a lower than national average, which is at 86%.

There were 1,200 driving fatalities in PA in 2015, as the National Highway Safety Administration reported. 364 of these were caused by alcohol impaired drivers.

The CDC provided further statistics on this matter: the overall vehicle occupant death in the state is at 6.8 per 100,000 residents.

Final thoughts

Abiding by all the laws surrounding Pennsylvania car insurance does a lot more good to you than just giving you protection against violations and penalties. It also gives you financial protection, especially when you choose to make your policy a more extensive one.

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licensed drivers in Pennsylvania, 2014
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privately insured vehicles in Pennsylvania

Source: StatistaInsurance Information Institute

1State minimum coverage includes the minimum liability insurance limits required in your state but excludes the following:
  • No Collision and Comprehensive Coverage
  • No Towing Coverage
  • No Rental Car Coverage
  • No Full Glass Coverage
2Basic full coverage includes:
  • $50,000 Bodily Injury Liability Per Person/$100,000 Per Accident
  • $25,000 Property Damage Liability
  • $50,000 Uninsured Motorist Bodily Injury Coverage Per Person/$100,000 Per Accident
  • $25,000 Uninsured Motorist Property Damage Coverage
  • $750 Deductible Collision And Comprehensive Coverage
  • $50 Towing Coverage
  • No Rental Reimbursement Coverage
  • No Full Glass Coverage
3Premium full coverage includes:
  • $250,000 Bodily Injury Liability Per Person / $500,000 Per Accident
  • $100,000 Property Damage Liability
  • $250,000 Uninsured Motorist Bodily Injury Coverage Per Person / $500,000 Per Accident
  • $100,000 Uninsured Motorist Property Damage Coverage
  • $250 Deductible Comprehensive Coverage And No Deductible Collision Coverage
  • $75 Towing Coverage
  • $30/day Rental Reimbursement, Max Of $900
  • Full Glass Coverage
4Methodology: To achieve accurate results we obtained estimates for 10 cities in the state: 5 of the largest cities and 5 randomly picked smaller cities. For each city, we collected premiums for 3 levels of coverage: state minimum coverage, basic full coverage and premium full coverage. We used 3 different driver profiles for the case studies. For the young driver profile we used a 20-year-old single male or female with 1 year driving experience. Second, the profile fit that of a 35-year-old married female with 12 years of driving experience. The last profile we used in our studies is a male senior driver who was 68-year-old with 45 years of driving experience. The vehicle we used for all three driver profiles was a 2012 Honda Accord EX.
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