Pennsylvania Car Insurance

Additional Pennsylvania car insurance coverage

In addition to meeting Pennsylvania’s auto insurance requirements, many drivers choose to add optional coverages to help address common gaps in protection. These coverages can offer support with situations like:

• Damage to your vehicle, including accidents and other covered losses.
• Injuries and medical expenses following an accident, regardless of fault.
• Support after a loss, such as transportation or roadside assistance.

Each of these coverages helps protect against different types of risk. You can add them individually or combine them in ways that match the level of protection you’re looking for. Learn more about common auto insurance coverage and how they work.

Customizing auto insurance in Pennsylvania

After reviewing standard and optional coverages, you may be wondering how Pennsylvania drivers typically put those choices together. YourPlan allows you to compare thoughtfully built coverage levels that are based on what drivers often select. Then, you can adjust and customize from there, choosing what feels right for your car and budget.

Essential

Core coverage that’s designed to meet the needs of many drivers in Pennsylvania. Essential focuses on the foundational protections you expect in a standard auto policy, including coverage for your vehicle, injuries and damage you may cause to others, and common risks you face on the road. It’s a straightforward option without added enhancements.

Advantage

Broader coverage that offers added protection for more situations. Advantage builds on Essential by including optional coverages and upgrades that go beyond a standard policy. It’s a good fit if you want extra flexibility and additional protection for things like roadside assistance or certain types of damage.

Signature

Our most complete option, with enhanced protection and added benefits. Signature includes the highest level of coverage we offer, combining broader protection, higher benefit limits and extra safeguards. It’s designed to help reduce gaps in coverage and provide more confidence if a claim is more complex or severe.

YourPlan lets you explore these approaches in more detail and customize coverage based on what you need in Pennsylvania. Explore coverage options with YourPlan.

What affects your Pennsylvania car insurance rates?

There are several factors that impact auto insurance in Pennsylvania, including individual circumstances, geographical location, weather patterns and more. Consider these key points:

• Driving history: Your individual driving record significantly impacts insurance premiums. Pennsylvania drivers with a history of accidents or traffic violations typically face higher rates, while those with clean records may have lower premiums.
• Coverage options and limits: The types and amounts of coverage you choose affect premiums. Opting for the minimum required coverage in Pennsylvania tends to be more affordable, whereas adding optional coverages with higher limits increases premiums.
• Vehicle type: The make and model of your vehicle can influence insurance rates in Pennsylvania. Safety ratings, repair costs and the likelihood of theft contribute to premium calculations.
• Claims in Pennsylvania: Insurance rates may be influenced by the frequency and severity of claims filed within the state. Accidents, theft or other incidents could lead to increased premiums for all drivers in Pennsylvania.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings on Pennsylvania auto insurance with discounts

Amica offers various auto insurance discounts to help Pennsylvania policyholders save money on their premiums.¹ Here are some discounts that you may be eligible for:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
  • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
  • Defensive driver training: Taking an approved driver safety course can earn you a discount.
• Discounts for your car’s systems
  • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
  • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your policy premium up front.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle auto and home insurance with the same company. In fact, Pennsylvanians who bundle their policies with Amica may qualify for a valuable multiline discount.¹

Facts and figures about Pennsylvania

Fun facts about Pennsylvania:

• The first computer was built in 1946 at the University of Pennsylvania.²
• Hershey Chocolate was founded in Hershey, Pennsylvania, and is now considered the Chocolate Capital of the U.S.²
• Since opening in 1874, the Philadelphia Zoo has set several milestones, becoming the first zoo in the U.S., the first children’s zoo and the first to include an on-site animal care facility.²

Facts about driving in Pennsylvania:

• In Pennsylvania, a teen driver must have 65 hours of practical driving experience, which must include 10 hours of night driving and five hours of driving in poor weather conditions.³
• You may have to share the road with a buggy. To avoid spooking the horses, don’t honk the horn.³
• In Pennsylvania, drivers are required to clear snow and ice from their vehicles, or they may face fines if it falls off and causes injury.³

With Amica, Pennsylvania drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.