Car insurance in Pennsylvania
Compare carriers, see Pennsylvania minimums, and quote in 60 seconds.
We shop carriers including
- 37 PA counties served Phase 1 footprint
- 67 Total PA counties Expanding Phase 2
- 8+ Carrier partners A-rated panel
- 7 days Open every week 9 AM – 7 PM ET
Pennsylvania car insurance
Pennsylvania personal auto pricing varies more by ZIP than by carrier. The same driver, same vehicle, same coverage limits will see a 30 to 40 percent spread between rural Centre County and inner-ring Philadelphia suburbs — and meaningful spreads between carriers within the same ZIP. Our Pennsylvania panel runs eight A-rated carriers we shop on most car insurance quotes; the goal is two to four real numbers, not one pre-selected carrier.
Two PA-specific decisions move premium more than most drivers realize: the tort election and stacking on uninsured-motorist coverage. Limited tort knocks 10 to 20 percent off bodily injury but waives most of your right to sue for pain and suffering after a wreck. Stacked uninsured-motorist coverage doubles or triples the limit on multi-vehicle households for a small premium bump. Both are statutory choices. Both cost real money to get wrong. We walk through each on every quote.
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).
Car insurance by Pennsylvania county
- Allegheny County
- Armstrong County
- Beaver County
- Berks County
- Blair County
- Bucks County
- Butler County
- Cambria County
- Chester County
- Clearfield County
- Clinton County
- Columbia County
- Crawford County
- Dauphin County
- Delaware County
- Elk County
- Erie County
- Fayette County
- Lackawanna County
- Lancaster County
- Lawrence County
- Lebanon County
- Lehigh County
- Luzerne County
- Lycoming County
- McKean County
- Mercer County
- Montgomery County
- Northampton County
- Northumberland County
- Philadelphia County
- Schuylkill County
- Venango County
- Warren County
- Washington County
- Westmoreland County
- York County
Frequently asked questions
What's the cheapest car insurance carrier in Pennsylvania?
There isn't a single cheapest. Pricing depends on the driver record, vehicle, and ZIP. The carrier that wins for a clean-record commuter in Lancaster County is rarely the same one that wins for an urban Philadelphia driver with a recent at-fault claim. We re-shop the panel for every client at every renewal because carrier rate filings change annually.
Do I have to carry collision and comprehensive in Pennsylvania?
No. Pennsylvania law requires liability and first-party medical benefits. Collision and comprehensive are optional. They're typically required by the lender if you're financing or leasing the vehicle, and they're worth carrying if the car would be a meaningful financial loss to replace. On older paid-off vehicles, dropping collision can save several hundred a year.
What about rideshare or food delivery — Uber, Lyft, DoorDash?
Personal auto policies usually exclude rideshare and delivery-app activity. We write rideshare endorsements with carriers that allow them — typically a small monthly add-on to the base policy. If you drive for a delivery app, ask before you renew. A claim filed under a personal policy without the endorsement gets denied.
I'm moving to Pennsylvania from another state — how soon do I need to switch?
Pennsylvania requires you to register vehicles within 60 days of establishing residency, and the registration requires a PA-issued insurance ID card. We can quote and bind with a future effective date so the switch is seamless on moving day. Out-of-state insurers don't always file PA forms, so a clean handoff matters.