Pennsylvania Car Insurance (PA)

Pennsylvania Car Insurance (PA)
Descubra los descuentos y beneficios con el Programa de Seguros para automóviles AARP de The Hartford.

Car Insurance in PA

car insurance in PA No matter where you travel throughout the Keystone State, it’s important that drivers in Pennsylvania know they’re protected on the road.
El documento AARP® Auto Insurance Program from The Hartford1 has been insuring Pennsylvania AARP members and their families since 1984. Throughout this time, we’ve earned high customer satisfaction ratings and a reputation for integrity.
If you’d like to request a cotización de seguro para autos or get more information about the average car insurance cost in PA, we’re here to help. You can reach our specialists at 888-413-8970. If you need car insurance in PA, we’ll help you get the best auto coverage for your needs.

Getting the Best Car Insurance in PA

These are just some of the benefits that the AARP Auto Insurance Program from The Hartford can offer Pennsylvania drivers:
  • New Car Replacement: If you total your new car, we’ll replace it with a new one of the same make, model and equipment with no deduction for depreciation.
  • Exención por accidente: As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.
  • Disappearing Deductible: Good drivers can have their collision insurance deductible reduced over time by maintaining a clean driving record.
  • 24/7 Claim Service: You can reach our specialists at 800-243-5860 any time of day during the week. They’ll walk you through the process and help you file a claim.
  • Bundle and Save: Bundle your auto and homeowners insurance in Pennsylvania for additional savings.**

How Much Is Car Insurance in PA Per Month?

The average cost of car insurance in Pennsylvania is $2,040. This means that the average Pennsylvania driver paid about $170 month for auto insurance. Auto coverage costs vary by state, but car insurance in PA is slightly less expensive than the average cost of auto insurance in the country, which is $2,014.2

What Impacts PA Auto Insurance Rates?

There are a range of factors that impact how much car insurance rates cost, including your:
  • Driver history
  • Tipo de vehículo
  • Límites de la cobertura
  • Millas promedio por año
  • Deductible limits
Your insurance company will also need to know specific information, like your:
  • Address and zip code
  • Edad
  • Marital status
  • Credit score
  • History of car accidents
  • Speeding ticket records
  • Vehicle use
To learn more, get your auto insurance quote online or by calling our specialists at 888-413-8970. They can help answer questions about auto insurance in Pennsylvania.

Required Auto Insurance Coverage in Pennsylvania

The state minimum for liability coverage in Pennsylvania is:3
  • $15,000 per person per accident for bodily injury liability coverage
  • $30,000 per accident for bodily injury liability coverage
  • $5,000 per accident for property damage coverage
  • $5,000 per accident of medical benefits coverage

Is PA an At-Fault State?

Pennsylvania has no-fault state insurance laws. This means that each insurance company pays their own policyholders for the cost of injuries resulting from an accident, regardless of who was at-fault.

What Is the Difference Between Full Tort and Limited Tort in PA?

In Pennsylvania, you can choose between full tort and limited tort car insurance protection:
  • Full tort allows you to sue for pain and suffering if you’re injured in an accident.
  • Limited tort means you cannot sue for compensation for pain and suffering after a car collision unless you’re seriously injured or the accident meets at least one of six other criteria. This option often gives you a lower monthly premium, but less coverage.

Proof of Pennsylvania Auto Insurance

PA auto insurance If you’re a licensed driver in the state of Pennsylvania, it’s smart to keep a copy of your car insurance ID card in your vehicle with your registration. Pennsylvania is also among several states that now accept electronic proof of car insurance, and with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™

Additional PA Car Insurance Coverages Available

For extra protection, Pennsylvania drivers have many options for additional coverage – from comprehensive coverages to roadside assistance. If you’re looking for car insurance in PA, you may want to consider additional car insurance coverages and benefits, including:

Pennsylvania Uninsured Driver Facts

Although uninsured and underinsured motorist coverages are optional in Pennsylvania, they can help protect you from financial loss if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to pay for the injury they caused you.

Beyond Car Insurance: Staying Safe on Pennsylvania Roads

As you travel through Pennsylvania, there are a number of safe driving laws meant to protect you on the roads.4

Pennsylvania Seat Belt Laws:

Although Pennsylvania doesn’t have mandatory seat belt laws, you can still receive a ticket if law enforcement pulls you over for another reason and you’re not wearing your seat belt.

Pennsylvania Teen Driver Laws:

Getting a driver’s license is a rite of passage for most teenagers, and the state of Pennsylvania wants to be sure they stay safe in the process. That’s why PA has graduated licensing laws to make sure teens gain the experience and maturity required to be safe behind the wheel. These laws also limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.

Common Questions About Car Insurance in PA

Do You Need Car Insurance in PA?

Pennsylvania car insurance Yes, all vehicle owners need to maintain insurance coverage in the state of PA. If you have a car insurance lapse, you could face penalties, like having your vehicle’s registration suspended for at least three months.

Does PA Require Auto Insurance?

The commonwealth of Pennsylvania requires all Pennsylvania vehicle owners to have vehicle insurance on any currently registered vehicles. In Pennsylvania, you’ll need these car insurance coverages:

Can You Get Car Insurance in Pennsylvania Without a License?

You don’t need to be a licensed driver to insure your car. Learn more about getting car insurance without a license.

Request a Quote for Car Insurance in PA

To learn more, call our customer service representatives at 888-413-8970. Or, use our cotización de seguro para autos tool for a quick and easy way to get your estimated price for car insurance in PA.
Last Updated: October 16, 2023
2 Bankrate, “Average cost of car insurance in Pennsylvania in 2023”
3 Pennsylvania Insurance Department, “Questions and Answers About: Automobile Insurance in Pennsylvania.”
4 Governors Highway Safety Association (GHSA), “State Laws.”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 1/1/22 y 12/31/22. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $507 y el ahorro promedio en el seguro de viviendas es de $120. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
 Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
Divulgaciones adicionales a continuación.
definición del seguro para automóviles

Explicación simple sobre el seguro para autos

Respuestas rápidas y definiciones de seguro para automóviles fáciles de entender pensadas para usted.
Para conocer más, visite nuestra página de definiciones del seguro para automóviles .
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.