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Pennsylvania Car Insurance

Exploring destinations like Pittsburgh or the Pocono Mountains should be a relaxing and enjoyable experience. Knowing that you're covered by car insurance offers peace of mind, allowing you to focus on the journey and the attractions without worrying about the potential financial consequences of an accident.

With the right car insurance in place, you can explore Pennsylvania attractions with confidence, knowing that you're prepared for whatever the road may bring.

Amica offers customized Pennsylvania car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Understanding Pennsylvania's auto insurance minimums

In Pennsylvania, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $15,000 per person
    • $30,000 per accident
  • Property Damage Liability Coverage:
    • $5,000 per accident

Bodily injury liability coverage: This coverage protects you financially from claims of bodily injury that you're responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering and lost wages. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

Property damage liability coverage: This is coverage for damage to someone else's property that you're responsible for causing in an auto accident. It can apply to the damage of the other person's vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

In addition to the minimum liability coverage requirements, Pennsylvania mandates coverages for uninsured motorist bodily injury and medical payments, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $15,000 per person
    • $30,000 per accident

Uninsured/underinsured motorist bodily injury coverage: This coverage applies to your injuries if you're hurt in a car accident and the responsible party either doesn't have insurance, or doesn't have enough insurance.

It's important to understand that these are just the minimum requirements, and Pennsylvania drivers may choose higher coverage limits for added protection.

Additional Pennsylvania car insurance coverage

Opting for additional auto insurance coverage beyond Pennsylvania-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Pennsylvania drivers might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it's damaged in a collision with another vehicle or object.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud or snow.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows, and other auto glass, without a deductible.

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

If you're a Pennsylvania driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, Pennsylvanians can save up to 30% with a multiline discount.

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.3
  • Standing at 35 feet tall, the world’s largest paint can is located on Interstate 81 in Shippensburg.3

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.4
  • You may have to share the road with a buggy. To avoid spooking the horses, don’t honk the horn.4
  • Traveling end-to-end, the Pennsylvania Turnpike is the most expensive toll road in the country. However, there are alternative routes for drivers to take to avoid the cost.5

How to get car insurance in Pennsylvania

We’re here to guide you through the process of personalizing your car insurance in Pennsylvania. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Pennsylvania drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

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

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 20 Facts About Pennsylvania
3 41 Things You Probably Didn’t Know About Pennsylvania
4 PennDOT Driver & Vehicle Services
5 Here's How Much the Priciest Toll Roads, Bridges, and Tunnels Cost in America

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