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According to the 2017 United States Census, Pennsylvania is the fifth most populous state in the country, with a total of 12,805,537 residents. Pennsylvania’s cities have a population density of 286.2 people per square mile. Of the top 10 most populated states, only New York and Florida have higher urban population densities.

In 2016, Pennsylvania had 8,996,815 licensed drivers. Though Pennsylvania has only one of the country’s 10 most populated cities, Philadelphia, the state’s urban population density means that those streets are packed with cars. More cars typically mean more crashes, and higher car insurance rates are the result. 

Your state is only one of many factors that contribute to your insurance premiums. Your location within that state also has an impact on your auto insurance rates. For example, there is a difference in the frequency of car-related crime in urban and rural areas. Your location might also determine whether you park on the street or in a secure area, like a garage. Your age, gender, and marital status play a significant role as well. Insurance companies tend to perceive older and married people to be more responsible overall, and therefore, more responsible drivers. Other factors include the age and type of car you drive as well as your actual driving record. We’ll take a closer look at data related to some of these factors and how it pertains to finding the cheapest car insurance in Pennsylvania.

Cheapest Car Insurance Companies in Pennsylvania

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How We Found the Cheapest Car Insurance Companies

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At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the nine largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Pennsylvania?

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According to our study, the average rate for car insurance in Pennsylvania is $1,767. What you pay will depend on several factors, including how much coverage you choose to buy, your age, where you live, your driving record, and other considerations. According to our analysis, driver profiles insured with Nationwide have the highest average auto insurance study rates in Pennsylvania, at $5,072. That’s about $3,300 more than the statewide average. Allstate is the next highest, with an average representative rate of $1,772. USAA has the cheapest study rate in Pennsylvania, at $851 on average, which represents a savings of about 108% from the statewide average. Geico and Travelers are next in line, at $940 and $957, respectively. 

Pennsylvania Car Insurance Rates by Age

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$1,929.94

$1,929.94

$1,760.13

$1,760.13

$1,627.15

$1,627.15

Geico

$1,002.17

$1,002.17

$949.01

$949.01

$868.98

$868.98

Nationwide

$6,383.17

$6,383.17

$4,579.05

$4,579.05

$4,253.95

$4,253.95

Progressive

$2,085.72

$2,085.72

$1,537.12

$1,537.12

$1,336.92

$1,336.92

State Farm

$1,238.73

$1,238.73

$1,131.03

$1,131.03

$1,009.06

$1,009.06

Travelers

$1,063.54

$1,063.54

$880.24

$880.24

$926.39

$926.39

USAA

$1,033.19

$1,033.19

$797.49

$797.49

$721.57

$721.57

All auto insurance companies in our study have the same average rates for male and female driver profiles in the same age groups. In general, 60-year-old driver profiles have the lowest rates. Study data show average rates of $1,535 for both male and female profiles in this age group. The 35-year-old driver profiles generally have the next lowest average rates at $1,662, followed by the 25-year-old male and female profiles at $2,105.

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Pennsylvania Car Insurance Rates by Mileage

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,712.49

$1,772.41

Geico

$911.26

$940.05

Nationwide

$5,072.06

$5,072.06

Progressive

$1,653.25

$1,653.25

State Farm

$990.82

$1,126.27

Travelers

$956.72

$956.72

USAA

$792.81

$850.75

Our study results suggest that there isn’t a big difference in rates between those who drive 6,000 miles per year and those who drive 12,000 miles per year. With four of the surveyed companies – Allstate, Nationwide, Progressive, and Travelers – driver profiles pay no difference at all. Of the remaining three companies, State Farm charges the highest upgrade fee for 12,000-mile driver profiles: $135. USAA and Geico charge only $58 and $29 more, respectively. 

We created two driver profiles to compare how annual mileage can change car insurance rates: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Pennsylvania Car Insurance Rates by Coverage Type

Company

Low

Medium

High

Allstate

$1,682.32

$1,772.41

$1,834.12

Geico

$843.90

$940.05

$1,015.35

Nationwide

$4,910.65

$5,072.06

$5,002.31

Progressive

$1,477.00

$1,653.25

$1,797.66

State Farm

$1,027.63

$1,126.27

$1,184.92

Travelers

$968.40

$956.72

$929.10

USAA

$782.71

$850.75

$898.17

As you’d suspect, driver profiles with high coverage, generally have higher representative rates than those with low coverage. However, the reverse is true for our profiles insured with Travelers, where the average study rates are lowest for profiles with high-coverage plans and highest for profiles with low coverage. Nationwide is another anomaly, with lower study rates for profiles with high coverage than for those with medium coverage. On average, driver profiles with low coverage pay $1,670, those with medium coverage pay $1,767, and high-coverage profiles pay $1,809.

Generally, in cases where rates increase from low to medium coverage and again from medium to high coverage, the gap between low and medium coverage tends to be larger than the gap between medium and high coverage. This means that if you are considering increasing your insurance coverage, you’ll likely pay a lot more to go from low to medium coverage than you would to go from medium to high coverage. Therefore, you should evaluate the benefits afforded by the higher coverage and consider adjusting your budget accordingly.

We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis.

Pennsylvania Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$1,772.41

$2,152.06

$3,017.97

Geico

$940.05

$1,127.22

$1,717.13

Nationwide

$5,072.06

$5,219.28

$5,219.28

Progressive

$1,653.25

$2,109.98

$2,972.54

State Farm

$1,126.27

$1,422.45

$2,283.99

Travelers

$956.72

$1,093.41

$1,687.41

USAA

$850.75

$958.32

$1,286.62

Credit history is another factor in determining average car insurance rates in Pennsylvania. Each of the seven major auto insurance companies we looked at charge the lowest representative rates to customers with good credit, higher rates to customers with fair credit, and the highest rates to customers with poor credit. The average study rates for our driver profiles, from good to poor credit, are $1,767, $2,012, and $2,598.

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Pennsylvania Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,772.41

$1,772.41

$2,292.32

$1,772.41

Geico

$940.05

$1,288.78

$1,532.45

$1,886.09

Nationwide

$5,072.06

$7,464.76

$8,519.42

$12,663.38

Progressive

$1,653.25

$1,661.87

$2,992.88

$1,849.31

State Farm

$1,126.27

$1,225.94

$1,325.61

$1,225.94

Travelers

$956.72

$1,598.04

$1,598.04

$2,056.50

USAA

$850.75

$946.15

$1,182.04

$1,131.30

Our study shows that driver profiles with a clean record pay the lowest average study rate in Pennsylvania, at $1,767. With one speeding ticket, the average representative rate jumps to $2,280. One DUI sends the average study rate up to $2,778. Finally, driver profiles with one accident show the highest average rates in our analysis, at $3,226. That’s an increase of 83% compared to the driver profile with a clean driving record.

Furthermore, the study shows that driver profiles with one speeding violation pay the lowest representative rates with USAA ($946) and State Farm ($1,226). The highest average study rate for this group is with Nationwide, at $7,465.

With a single accident on the driver profile, data show that USAA ($1,182) and State Farm ($1,326) offer the lowest average study rates, while the highest representative premiums in this category are from Nationwide, at $8,519.

The Pennsylvania driver profile with a DUI will pay the lowest average study rates with USAA ($1,131) and State Farm ($1,226). The highest rate for the profile with a DUI is from Nationwide, at $12,663.

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Pennsylvania Car Insurance Rates by City

City

Average Rate

Allentown

$1,905.49

Altoona

$1,664.97

Bethlehem

$1,829.00

Erie

$1,833.26

Harrisburg

$1,649.54

Lancaster

$1,691.74

Philadelphia

$3,480.93

Pittsburgh

$1,867.02

Reading

$1,840.39

Scranton

$1,789.83

We also looked at how average insurance rates vary across 10 different cities in Pennsylvania. Our Philadelphia driver profile has the highest study rate in the state by far, at $3,481 per year. That’s about 78% more than the average annual study rate among all 10 cities, which is $1,955. The lowest rate belongs to Harrisburg driver profiles, at $1,650.

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Pennsylvania’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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Pennsylvania Auto Insurance Minimum Coverage Requirements

Pennsylvania has specific minimum car insurance coverage requirements. First is bodily injury liability coverage, which has a minimum coverage amount of $15,000 per person and $30,000 per crash. Next is property damage liability coverage. This coverage starts at $5,000. In some states, uninsured motorist coverage and underinsured motorist coverage are considered the same thing, but not in Pennsylvania. Each is required with a minimum of $15,000 per person and $30,000 per crash. However, the uninsured and underinsured motorist coverage requirement may be waived at the driver’s request. Finally, Pennsylvania requires first-party benefits medical payments coverage of at least $5,000.

When shopping for car insurance in Pennsylvania, you must also consider whether you prefer full tort or limited tort coverage. Limited tort means that if another driver injures you in an accident, you may not be allowed to sue that driver for damages related to pain and suffering, though you can still sue to recover actual financial losses incurred by the accident. This restriction applies mainly to medical payments. Suing to recover losses related to vehicle damage is unrestricted.

If you choose limited tort, you must sign paperwork to confirm that you understand the restrictions on this type of auto coverage. According to some law firms in Pennsylvania, choosing limited tort auto insurance in Pennsylvania can shave about 15% off your premiums.

Cheapest Car Insurance in Pennsylvania

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Young Adult Drivers

Geico

Married Adult Drivers

Travelers

Senior Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Travelers

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Travelers

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

The cheapest types of coverage in Pennsylvania are low coverage and low mileage. Opting for these two types of insurance should save you the most money.

There are some other factors that can help you get cheaper coverage in Pennsylvania. First, decide whether limited tort coverage is worth the savings. You have to consider whether saving money now is worth giving up your ability to recover damages in court if you are seriously injured in an accident you did not cause. You can also consider moving to a less expensive area or getting a less expensive car, but your ability to save money through these strategies depends a lot on your current circumstances.

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, and a clean driving record. Our profiles included males and females aged 25, 35, and 60 who drove 12,000 miles per year. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Why Car Insurance Rates Vary in Pennsylvania

Pennsylvania is not unlike other states that have higher car insurance rates for drivers in urban areas and drivers perceived to be of higher risk. That is because urban areas have a higher likelihood of traffic accidents and typically have higher rates of car-related crime. When auto insurance companies provide quotes based on your ZIP code, they check for the frequency and types of insurance claims common in your area.

Car insurance rates also vary based on your perceived risk, which is based on data collected and analyzed by insurance companies. It looks a lot like the factors analyzed above, including driving record, age, gender, and marital status.

Speed Limit
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Pennsylvania has the additional factor of full tort or limited tort insurance, which affects rates based on customer choice.

How To Get the Cheapest Car Insurance in Pennsylvania

Two of the easiest ways to get the cheapest car insurance in Pennsylvania are to get only the minimum required coverage and to opt for a limited-tort policy. Although choosing these coverage types will lower your premiums, you could end up paying more in the long run if you are in an accident.

Next, check to see if you qualify for any common car insurance discounts, either from your current insurance company or from a competitor. A very common discount is a bundling or multipolicy discount that you get from having more than one policy with the same company, like multiple vehicles, homeowners insurance, or renters insurance. See if you or anyone in your household qualifies for good driver discounts or student discounts. Teachers, active military members, and military veterans often get car insurance discounts from major carriers. You can check to see if you qualify for a group rate through your employer or through a group or club you’re affiliated with. These are called affinity discounts.

Check to see if your specific vehicle qualifies for any discounts. For example, some insurers will offer you a break if your car comes equipped with a theft deterrent or a theft tracking device.

Opting in to a tracking device is an increasingly popular way to potentially get a discount on car insurance. Several companies offer potential discounts in exchange for using a tracking device or a smartphone app that measures and analyzes your driving habits. It can measure how often you drive, how far you drive, and your rates of acceleration and braking, which can indicate whether or not you tend to drive recklessly. This might sound tempting, especially if you consider yourself a good driver, but you give up a lot of privacy to participate in such a program. Furthermore, whether or not you get a discount with these programs is up to the insurance company. Insurance companies usually reserve the right to actually raise your rates if they think your driving habits make you a bigger risk.

There are a few other common discounts you can check for as well. See if your insurance company will give you a discount if you pay upfront or opt in to paperless or automatic billing. Some approved defensive driver or driver training courses might save you some money. If you don’t drive often, see if you qualify for a low mileage discount.

Start with your current insurance company to find discounts you qualify for, but it may also pay off to shop around and get quotes from competitors, even if they don’t all offer the same discounts.

Drunk woman
Image Source / Getty Images

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Texting While Driving and Distracted Driver Laws in Pennsylvania

Pennsylvania prohibits a driver from sending, reading, or writing a text-based communication on a mobile device while the vehicle is in motion. The penalty is a $50 fine, plus court costs and other fees.

DUI Laws in Pennsylvania

Pennsylvania’s legal limit for blood alcohol content (BAC) is .08%. Pennsylvania has three tiers of DUI. A BAC of .08% to .099% is rated general impairment. A high BAC is from .10% to .159%, and the highest BAC category is .16% or higher. If any driver is involved in an accident that injures someone or causes property damage, Pennsylvania’s DUI law may subject the driver to high BAC penalties even if their BAC doesn’t fall under the high category. Furthermore, those suspected of a DUI who refuse to cooperate with testing may be penalized under the highest BAC tier.

If you are determined to be under general impairment and have no prior DUI offenses, the penalties are an ungraded misdemeanor, up to six months of probation, a $300 fine, alcohol highway safety school, and treatment when ordered. Those with one prior DUI offense face an ungraded misdemeanor, a 12-month license suspension, five days to six months of jail time, a $300 to $2,500 fine, alcohol highway safety school, treatment when ordered, and a one-year ignition interlock. With two or more previous DUI offenses, offenders face a second-degree misdemeanor, a 12-month license suspension, 10 days to two years in prison, a $500 to $5,000 fine, treatment when ordered, and a one-year ignition interlock.

Offenders at the high BAC level and no prior DUI offenses face an ungraded misdemeanor, a 12-month license suspension, 48 hours to six months’ prison time, a $500 to $5,000 fine, alcohol highway safety school, and treatment when ordered. One prior DUI will result in an ungraded misdemeanor, a 12-month license suspension, 30 days to six months in prison, a $750 to $5,000 fine, alcohol highway safety school, treatment when ordered, and a one-year ignition interlock. For two or more DUI offenses, offenders face a first-degree misdemeanor, an 18-month license suspension, 90 days to five years in prison, a $1,500 to $10,000 fine, treatment when ordered, and a one-year ignition interlock. This level adds a category for three or more previous DUI offenses, consisting of a first-degree misdemeanor, an 18-month license suspension, between one and five years in prison, a $1,500 to $10,000 fine, treatment when ordered, and a one-year ignition interlock.

Finally, offenders at the highest BAC level, which also includes controlled substances, face their own set of punishments. Those with no prior DUI offenses face an ungraded misdemeanor, a 12-month license suspension, 72 hours to six months in prison, a $1,000 to $5,000 fine, alcohol highway safety school, and treatment when ordered. Offenders with one prior DUI offense face a first-degree misdemeanor, an 18-month license suspension, 90 days to five years in prison, a $1,500 to $10,00 fine, alcohol highway safety school, treatment when ordered, and a one-year ignition interlock. Those with two or more prior DUI offenses face a first-degree misdemeanor, an 18-month license suspension, one to five years’ prison time, a fine of $2,500 to $10,000, treatment when ordered, and a one-year ignition interlock.

Uninsured Motorist Laws in Pennsylvania

A 2017 report from the Insurance Information Institute revealed that in 2015, 13% of motorists across the country were uninsured. Estimates put the number of uninsured motorists in Pennsylvania at 7%, which is lower than the national average but still a risk. Before you decide to waive uninsured and underinsured motorist coverage, make sure you can afford to cover your losses if you are hit by a driver who cannot compensate you.

Uninsured motorists in Pennsylvania face stiff penalties, including fines, a revoked driver’s license, and a revoked vehicle registration.

Pennsylvania Car Insurance FAQs

Is Car Insurance Required in Pennsylvania?

Yes, car insurance is required in Pennsylvania. Specifically, carrying liability insurance is mandatory. To comply with state law, your policy must have a minimum coverage limit of $15,000 for injury or death of one person, $30,000 for injury or death of more than one person, and $5,000 for damage to property of another person. Furthermore, the state requires coverage for uninsured and underinsured motorists, though drivers can request a waiver.

Which Cars Are Required To Be Insured in Pennsylvania?

Drivers must have liability insurance for all registered cars, vans, motorcycles, recreational vehicles, trucks, and buses.

When Should I Get Car Insurance in Pennsylvania?

Pittsburgh
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You should be prepared to get car insurance in Pennsylvania when you register a vehicle. You should also have insurance before driving the vehicle on public roads.

What Happens if My Car Is Not Properly Insured in Pennsylvania?

If your car is not properly insured in Pennsylvania, your driver’s license and vehicle registration will be revoked. There is a $300 fine for driving without insurance, and when your license and registration are reinstated after a three-month suspension, you’ll pay $88 for each. You can opt to pay an additional $500 civil penalty to avoid having your vehicle registration revoked, though you’ll have to provide proof of insurance to exercise this option, and it won’t stop your license from being suspended. This option may be used only once in a 12-month period.

If your lapse in insurance coverage is less than 31 days and you can prove the vehicle was not driven during that time, the state Department of Transportation will waive the penalty.

Is Pennsylvania a No-Fault State?

Most states are either an at-fault or a no-fault state. In a no-fault state, each driver’s insurance is responsible for covering medical treatment and other financial losses caused by the accident, up to each driver’s coverage limits. This happens regardless of who caused the accident. In an at-fault state, a driver who was hit in an accident can sue the driver who caused the accident. 

It’s a little more complicated than that in Pennsylvania. As mentioned earlier in this piece, drivers in Pennsylvania can opt for full tort or limited tort car insurance coverage, effectively making Pennsylvania a “choice” no-fault state. That is, based on whether you choose full tort or limited tort auto insurance coverage, you are effectively choosing whether you are abiding by at-fault or no-fault insurance rules. With full tort coverage, which gives you the right to sue for pain and suffering, it’s similar to the way insurance works in an at-fault state. Limited tort coverage, which restricts your ability to go after certain types of damages, is similar to no-fault rules.

Do I Need Uninsured Motorist Coverage in Pennsylvania?

Yes, Pennsylvania requires uninsured and underinsured motorist coverage. A lot of states treat uninsured and underinsured motorists as the same thing, but Pennsylvania is an exception and expects motorists to carry enough auto insurance to be prepared for both scenarios. However, the state also allows motorists to request to waive this coverage. Neither uninsured nor underinsured motorist coverage is available as a standalone policy. You should expect to bundle this coverage with your required liability coverage.

Pennsylvania’s minimums for uninsured motorist and underinsured motorist coverage are $15,000 per person and $30,000 per accident for each type of coverage. Before you request to waive this coverage, consider why you might need it. About 7% of drivers on the road in Pennsylvania are uninsured. That is lower than the nationwide average of 13%, but it still poses a considerable risk. If you are ever hit by someone who is uninsured or who does not carry enough coverage to compensate you for your losses, uninsured or underinsured motorist coverage will help you out.

Is Liability Insurance Required in Pennsylvania?

Yes, Pennsylvania requires motorists to carry two types of liability coverage: bodily injury and property damage. Bodily injury liability coverage minimums are $15,000 per person and $30,000 per accident. The minimum for property damage liability coverage is $5,000. These minimums required by the state may not adequately cover you if you cause a serious crash, which could put you at risk of being sued for additional damages. That is why many insurance companies and law firms recommend that you consider carrying more than the minimum liability coverage.

If you let your insurance policy lapse, your insurance company notifies the Pennsylvania Department of Transportation. If you drive without proper insurance in Pennsylvania and are caught, the penalties are steep. You’ll pay a fine of $300 for driving uninsured, your driver’s license will be suspended for three months, and your car’s registration will be suspended for three months. You will have to pay $88 each to reinstate your license and car registration at the end of the suspension. However, you can pay an additional $500 fee to waive the vehicle registration suspension if, for example, other licensed drivers in your household plan to insure and drive the vehicle. These penalties apply for the first offense as well as subsequent offenses.

Does Pennsylvania Accept Digital Insurance Cards?

Yes, digital insurance cards are accepted in Pennsylvania, and this service is offered by most major insurance companies. Digital insurance cards are a relatively new and convenient way to ensure that you have your insurance information available at all times, but they’re not available or accepted in every state. Digital insurance cards usually take the form of a smartphone app provided by your insurance company. If you live in Pennsylvania and want to use a digital insurance card, check with your auto insurance company to see if this feature is available.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

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