Car insurance in Pennsylvania
Start your quote in 60 seconds and we compare multiple carriers for you. Pennsylvania minimums, Pennsylvania options.
Or call (610) 800-4410 · Open Mon–Sat · 9 AM – 7 PM
- 1997 In insurance since Lionel A. Yates Sr.
- 6 days Open every week 9 AM – 7 PM ET
- 60 sec To start a quote ZIP-first form; many policies bind same day
- PA-licensed Real agents Devon, Chester County
Your agents
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.
There is a good reason to carry more than the floor. 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 ask only what the carriers need for this line.
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2
We shop the market
A licensed PA agent compares the carriers we can place you with. You see real options, not a single quote.
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3
Pick and bind
Choose the option that fits. Personal policies can often bind the same day once the application is complete.
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 the injury damages an at-fault driver owes you when that driver has no insurance or not enough: medical bills and lost wages beyond your first-party benefits, plus pain and suffering if your tort election allows it (75 Pa.C.S. § 1731). Optional in Pennsylvania, but insurers must offer it, and we suggest keeping the limits high.
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First-party medical benefits
Pays your own medical bills after a crash, no matter who was at fault. Pennsylvania requires $5,000; higher limits cost little and are worth a look if your health plan carries a big deductible.
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: 75 Pa.C.S. Chapter 17 (Motor Vehicle Financial Responsibility Law); medical benefit § 1711(a). The minimum is a legal floor, not a recommendation: a serious bodily-injury claim can run past it.
Why work with us
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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Many carriers, one call
We price your risk across the carriers we can place you with — not one company's rate sheet — and show the numbers side by side.
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Real licensed agents
Every call lands with a PA-licensed producer in our Devon office — six days a week, no phone tree, no hand-offs.
Car insurance by county
We write car coverage across the Pennsylvania counties we serve. 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 have good reason to carry more, because the floor doesn't cover much in a real claim.
Should I pick full tort or limited tort in PA?
Limited tort lowers your premium, but you give up the right to sue for pain and suffering unless your injury meets the legal definition of a serious injury or another exception applies. Full tort keeps 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.
Do I need an SR-22 in Pennsylvania?
No — Pennsylvania doesn't use SR-22 filings, and PennDOT won't ask your insurer for one after a DUI or suspension. Restoring a PA license is its own process: serve the suspension, pay the restoration fee, and carry proof of state-minimum coverage. The one exception is when another state demands an SR-22 from you; we place those with carriers that file out of state. Our SR-22 in Pennsylvania guide covers both situations.
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 change because my kid got his license?
Almost always, yes. Carriers expect every licensed household member on the policy or formally excluded, and a newly licensed teen raises the number. What softens it: good-student discounts, assigning the teen to the oldest car in the driveway, and re-shopping the panel, because carriers price young drivers very differently from each other. Call before the permit becomes a license and we will price it in advance.
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 can re-shop it at renewal, so a rate jump on one carrier doesn't mean you have to live with it. If your record carries more than a ticket — a DUI, an at-fault accident plus a violation, or a coverage lapse — see how we place high-risk drivers in Pennsylvania.
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