Need to know how much is car insurance in PA? We’re here to help. Here’s everything you need to know about the cost of car insurance in Pennsylvania, what coverages you need and how you can save money.
How Much is Car Insurance in PA?
The price of your car insurance policy will mainly come down to which coverages you choose and their limits. The coverage limit is the maximum amount your insurance carrier could pay in the event of a claim.
In Pennsylvania, car insurance is mandatory. You must carry the following coverages at these limits:
Bodily Injury Liability Coverage
This protects you if you’re responsible for injuring someone in a car accident. This coverage can help pay for the injured party’s medical expenses, lost wages and pain and suffering. It may also help pay your expenses in a related lawsuit. You need at least $15,000 of coverage per person and $30,000 per accident in PA.
Property Damage Liability Coverage
This protects you if you are responsible for damaging someone else’s property in a car accident. This coverage helps reimburse another person for their damaged property (such as a car or a building). It also helps pay for your expenses in the event of a related lawsuit. There’s a minimum limit of $5,000 per accident for PA insurance policies.
Pennsylvania is a no-fault state, which means your medical benefits coverage pays medical expenses and lost wages resulting from an accident causing injury to you or your passengers, regardless of fault. In PA, you must carry a minimum of $5,000.
This is different from liability coverage, which covers bodily injury and property damage you cause to another driver or their passengers when you’re at fault.
Pennsylvania does not require coverage for damage to your own vehicle. However, these may be required as a condition of a loan or lease on the car.
- Collision coverage covers the cost to repair or replace your car after a collision with another vehicle or stationary object. Collision only covers damage to your car or someone else’s car that you are operating with permission of the owner.
- Comprehensive coverage protects your car from damage NOT related to a collision. This includes things like natural disasters and storms, fires, theft, vandalism, damages caused by hitting an animal and more.
Having “full coverage” means having these coverages in addition to your required coverage.
These coverages are not required in Pennsylvania, but are recommended to offer more protection for you and your vehicle.
Uninsured and underinsured motorist coverage protects you, anyone you let drive your car, household members and passengers against losses caused by an uninsured or underinsured driver. Uninsured drivers are those without insurance, and this also covers unidentified (“hit and run”) drivers as well. An underinsured driver is one who has liability insurance, but not enough to cover your injuries.
Car Insurance in PA Cost Details
Carriers price insurance based on a variety of considerations like location, driving experience, driving record and type of car insured. Here are just a few factors that affect the price of insurance in Pennsylvania:
It goes without saying, but the more coverage you have, the higher your premiums will be. Saving now with lower limits may mean paying more in the long run if you have a claim that exceeds your limits. Make sure you understand what your insurance covers so you can protect yourself, your family and your assets.
Type of Car
The kind of car you drive is a big factor when it comes to your insurance rates. Contrary to popular belief, the color of your car doesn’t actually matter for insurance purposes. What does matter, however, is the cost to repair the vehicle. Repair cost is one of the most important factors to consider when insuring a car.
For example, cars with large production runs are typically cheaper to repair because of better parts availability. These kinds of cars are, in general, cheaper to insure than low-volume luxury or sports cars that may need specialized parts.
How you drive also makes a huge difference in how much your insurance will cost. Accidents and moving violations on your record indicate to an insurance company that you are riskier to insure. The best way to keep your insurance costs down is to drive safely and maintain a clean driving record.
The Right Coverage for You
The best coverage for you depends on your personal needs. Think about your ability to pay for medical expenses for yourself or another party if you are involved in an accident that causes injuries. Also consider the value of your car and the amount that you’re comfortable spending in the event of an accident or even a total loss.
Having only the minimum coverage means paying more out of pocket in the event of an accident where the costs exceed the minimum limits. It may give you the cheapest premiums, but those savings might be negated if you’re liable for injury or damages.
Car Insurance Discounts in Pennsylvania
If you’re looking to save money on car insurance, we offer Pennsylvania drivers a variety of great discounts and benefits. Here are just a few of the ways you can save on car insurance with Plymouth Rock!
An easy way to save on insurance is to enroll in eDocuments. Plymouth Rock and other providers offer a discount if you choose to receive your policy documents electronically. You’ll get all of your insurance documents emailed directly to you.
Save by having multiple cars listed on the same policy. Our Multi-Car discount ensures you get the best value and makes it easy to manage auto insurance for all your vehicles.
At Plymouth Rock, you can also save when you bundle your car insurance with other policies like homeowners, renters and even motorcycle insurance. The more companion policies you have, the more you save!
If you are switching to Plymouth Rock from another company, you could save if you get a new policy quote more than seven days before the effective date.