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Pennsylvania Auto Insurance

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Compare Pennsylvania Auto Insurance

If you are shopping for auto insurance quotes in the state of Pennsylvania, Autoinsuranceplanners.com has the resources and information you need to know when comparing competitive insurance company policies. In addition to providing you with auto insurance PA state laws, requirements, and tips on saving money, we also offer a quote engine which allows you to compare quotes from competitive insurance companies in your area with a few clicks of your mouse. Compare auto insurance quotes now or learn more details below.

Pennsylvania auto insurance law: minimum required auto insurance

State law of Pennsylvania requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000/accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5.

Pennsylvania Insurance Coverage:

Pennsylvania Auto Insurance CoverageBodily Injury Liability: $15,000/$30,000 Limit

Property Damage Liability: $5,000 Limit
First Party Benefits (PIP): $5,000

The state of Pennsylvania follows a Tort system where you can choose tort options to define your right to compensation in the event that another party injures you or members of your household in an auto accident. Your options include Full Tort or Limited Tort. The Full Tort option does not restrict your rights to financial compensation for injuries caused by other drivers.

Personal Injury Protection (PIP) helps pay for reasonable and necessary medical expenses for you and your passengers. A minimum Personal Injury Protection coverage of $5,000 is required by Pennsylvania state law.

Pennsylvania does not require drivers to purchase Uninsured/Underinsured Motorist Bodily Injury coverage, however you may want to consider it. This covers bodily injury caused by an uninsured and/or underinsured driver.

Average Auto Insurance Rates

Pennsylvanias average auto insurance premium for residents is $1,792 (in 2010); compared to a national average of $1,580. Many people believe that the state and insurance companies have a fixed rate, therefore never shopping around. In reality insurance companies segment their rates differently so every persons rate will be different with different companies. At autoinsuranceplanners.com, we help find you competitive insurance companies in your area so you can compare rates and decide which insurer is offering the best policy for your requirements.

In the state of PA, rates have changed over the past few years to your advantage. If you have not received a quote within the last year, we suggest taking another look at your policy and comparing insurance companies. You could be saving hundreds of dollars for minimal amount of work. The average auto insurance premium in Pennsylvania is 10% lower in 2010 than 2009, compare insurance rates today.