Auto Insurance Agents in Pennsylvania

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Kate Dawson

 ✔ verified 

Associated Carriers – Travelers, Nationwide, Safeco, Progressive, Hagerty, Foremost Signature, Foremost Choice, Dairyland, National General, and more.

“I take a human-based approach: my clients aren’t a number, they’re not a Manila folder in the back of a filing cabinet.  My clients are people who I advocate for, listen to, help, and educate. “

Insurance Products – Personal insurance, Business insurance

📍Murrysville, Pennsylvania, 15668
insurance agent in georgia

Joe Duffy

 ✔ verified 

Associated Carriers Berkshire Life Insurance OF America, C.M. Life Insurance, Guardian Insurance and Annuity, Guardian Life Insurance, Massaschusetts Mutual.

“Great Rates, Great Service”

Insurance Products – Personal Business, Business Insurance, Life Insurance

📍York, Pennsylvania, 17403
JoeSpeer Life Insurance - Life insurance agent in georgia

Candace Sterling

With my help, customers will see the value in having the right insurance policy.”

Insurance Products – Truck Insurance

📍Lancaster, Pennsylvania, 17603

Pennsylvania is home to some of the most stunning natural landscapes in the nation. But sadly, it comes with some drawbacks If you drive in Pennsylvania, you must be mindful of potholes, unexpected deer strikes, and other driving disasters. That is why having reliable auto insurance in Pennsylvania is crucial. If you are hurt in an accident, Pennsylvania car insurance will shield you from having to pay for medical care or repair costs out of your own pocket. 

Understand more about Pennsylvania auto insurance with your local independent insurance agents to get the finest protection for your vehicle. 

Why Agency Height?

Local Coverage Expertise- Explore top agents who best understand your location, local laws, and needs.   

The Power to Choose- Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best. 

Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose. 

Popular Car Insurance Coverage in Pennsylvania

There are two types of car insurance available in Pennsylvania-full tort and limited tort.  

Full tort means that no matter who is at fault in the accident, you will be able to sue for pain and suffering. Limited tort means that you can only sue for pain and suffering if the other driver is at fault. Whether you have commercial auto insurance or personal car insurance, your policy must have these two coverages, bodily injury liability and property damage liability in order for it to be valid in Pennsylvania. 

Other types of coverage in typical car insurance are: 

Standard Coverage

  • Medical Benefits 
  • Bodily Injury Liability 
  • Property Damage Liability 
  • Limited or Full Tort 

Recommended Coverage

  • Uninsured Motorist 
  • Underinsured Motorist 
  • Collison 
  • Comprehensive 
  • Gap Coverage 
  • Extra-ordinary Medical

Optional Coverage

  • Funeral Benefit 
  • Income Loss 
  • Accidental Death Benefit 
  • Towing Coverage 

Car Insurance Requirements in Pennsylvania 

According to the Pennsylvanian law, all drivers of registered vehicles in the state are required to keep liability insurance (also known as financial responsibility). Vehicle liability insurance pays for any property damage or personal injuries you might cause in an accident. 

Coverage Type  Minimum Coverage Limit
Bodily Injury Liability Coverage (per person) $15000
Bodily Injury Liability Coverage (per accident) $30000
Property Damage Liability $5000
Medical Benefit $5000

 

Average Cost of Car Insurance in Pennsylvania

Following table shows the insurance rates for homeowners as per the top car insurance companies in Pennsylvania. 

Car Insurance Companies Average Annual Full Coverage Premium
Geico $970
Erie $1,287 
Nationwide $1,110 
Progressive $1,519
Allstate $3,356

Note: Insurance premiums are subject to price fluctuations depending on factors like size, location, risk factors involved, coverage limit, and more. 

Frequently Asked Questions

What do you need to do to get car insurance in Pennsylvania?

You will typically need the year, make, and model of your vehicle, its vehicle identification number (VIN), as well as the name, date of birth, and driver’s license number of each driver living in your home, in order to obtain an auto insurance policy. Your Social Security number can also be required. Although you can ask an agent to quote a variety of coverage alternatives if you would want to compare them, having a general concept of the policy types you want quotes for can also be helpful. 

Is car insurance expensive in Pennsylvania?

Auto insurance cost in Pennsylvania is generally low. While the average rate of full coverage car insurance in the U.S. is $1,771 per year, full coverage car insurance in Pennsylvania is only $2,002 per year on average. For minimum coverage, the cost of car insurance in $441. 

How much should my insurance company pay me if my car is damaged?

Your car insurance company is required to pay the amount necessary to return the motor vehicle to its same condition just prior to the damage. At your request, you may obtain information from the 
insurance company regarding repair facilities within a reasonable distance of where the motor located- 
and where work will be operated. You are not required to use any specific repair shop. 

How to find best car insurance in Pennsylvania?

There are a few things you can do to find the best car insurance in Pennsylvania. First, make sure you are familiar with the different types of coverage available. Second, get quotes from several different insurers. Finally, read the policy documents carefully to be sure you understand what is covered. 

What car insurance is required in Pennsylvania?

All drivers in Pennsylvania are required to have liability insurance. This type of coverage pays for damages to other people and property if you are at fault in an accident. It is illegal to drive without insurance. You will need to show proof of insurance when you register your vehicle or renew your registration. 

What is the Pennsylvania Assigned Risk Plan?

Pennsylvania’s Assigned Risk Plan is a program that offers automobile insurance to those who are unable to obtain coverage. All insurance companies writing automobile insurance in the commonwealth are required to participate in the plan. Applicants are assigned to insurance companies in proportion to the amount of business each company writes in the commonwealth. You may contact the plan’s customer service office at (401) 946-2800, or toll-free at (800) 477-6146. 

What is the minimum required insurance coverage needed to own and operate a vehicle in Pennsylvania?

The minimum required coverages in Pennsylvania are: 

Medical Benefits — This pays medical bills for you and others covered on your policy regardless of fault. The minimum limit is $5,000 of coverage. Higher limits are available. 

Bodily Injury Liability — If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. The minimum limit is $15,000/
$30,000. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident. 

Property Damage Liability — If you damage someone’s property in an accident and you are at fault, this coverage pays for it. The minimum limit is $5,000 of coverage. Some companies offer a single limit of $35,000, which meets the bodily injury liability and property damage liability minimum requirements.

Can PennDOT suspend my vehicle registration if I don’t have automobile insurance?

The Department of Transportation can suspend your vehicle’s registration if you do not maintain the required insurance. Additionally, your driver’s license may be suspended if you operate the vehicle 
without the required insurance. 

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