Car insurance in Pennsylvania
Compare quotes from top-rated carriers in 60 seconds. Pennsylvania minimums, Pennsylvania options.
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We shop carriers including
- 8+ A-rated carrier partners Independent broker panel
- 7 days Open every week 9 AM – 7 PM ET
- 60 sec To a real quote ZIP-first flow
- PA-licensed Real agents Devon, Chester County
What car insurance covers
Car insurance pays for the things you don't want to pay for out of pocket: medical bills after a wreck, the other driver's repair bill when you're at fault, and the cost of fixing or replacing your own vehicle. Pennsylvania law sets a floor on three of those. The floor isn't high.
Most drivers we write carry above the floor for a reason. A bodily-injury limit of $15,000 per person disappears the first time someone is taken to a hospital by ambulance. Higher limits don't cost much extra and they keep your home, your savings, and your wages off the table if the other driver sues.
We shop multiple PA-licensed carriers on every quote and walk through the trade-offs in plain English: full tort versus limited tort, stacked versus unstacked uninsured-motorist, the deductible math on collision and comprehensive.
Three steps to a Pennsylvania quote
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1
Tell us your ZIP
One field gets us started. We'll ask only what we need.
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2
We shop the market
Multiple carriers compete. You see real options, not a single quote.
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3
Bind in minutes
Pick the policy that fits and you're covered — same day.
Coverage types we write
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Liability
Bodily injury and property damage you cause to others. Pennsylvania requires it. We usually recommend higher limits than the state floor.
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Collision
Repairs to your own vehicle after a wreck, regardless of fault. Optional unless your lender requires it.
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Comprehensive
Theft, fire, flood, vandalism, falling trees, deer collisions. The "everything except a wreck" coverage.
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Uninsured / underinsured motorist
Pays your medical and lost-wages bills when the other driver has nothing or not enough. Worth keeping at high limits in PA.
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SR-22 filing
Court-ordered proof of financial responsibility. We file it with PennDOT through carriers that accept SR-22 risks.
Pennsylvania auto minimums
| Bodily injury (per person) | $15,000 |
|---|---|
| Bodily injury (per accident) | $30,000 |
| Property damage | $5,000 |
| First-party medical benefits | $5,000 |
Source: PA Title 75, Chapter 17 (Financial Responsibility). Most drivers carry well above the state minimum because the legal exposure of bodily-injury claims often exceeds the floor.
Why CY Financial for car insurance
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Independent broker
We work for you, not a single carrier. Real comparisons, real choice.
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Top-rated carriers
A panel of A-rated carriers shopping for the policy that fits.
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Real licensed agents
Talk to a Pennsylvania-licensed agent any day of the week.
Carriers we shop
Car insurance by county
We write car coverage across all 67 Pennsylvania counties. Start with the metros below or browse the full state hub.
Frequently asked questions
What is the minimum car insurance required in Pennsylvania?
Pennsylvania requires 15/30/5 — $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage — plus $5,000 in first-party medical benefits. Most drivers we write carry above this because the floor doesn't cover much in a real claim.
Should I pick full tort or limited tort in PA?
Limited tort is cheaper but waives most of your right to sue for pain and suffering. Full tort preserves that right and costs more. We walk through both with every client — the right answer depends on your assets and your tolerance for that trade-off.
Does CY Financial file SR-22s?
Yes. We work with carriers that accept SR-22 risks and we handle the PennDOT filing for you. Bring the court paperwork and we'll quote a policy that matches the requirement.
How fast can I bind a policy?
Most personal-auto policies bind the same day. We need a driver's license, vehicle VIN, and prior insurance information. Same-day proof of insurance can be emailed once the policy is paid.
Will my rate go up after one ticket or claim?
It depends on the carrier and the violation. A speeding ticket of 10 over usually moves rates noticeably less than an at-fault accident. We re-shop the market at every renewal so a rate jump on one carrier doesn't mean you have to live with it.
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