Car insurance in Pennsylvania — coverage by county
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.
New to car coverage? Start with our Car insurance overview, then drill into a county below — many clients begin with Chester County or Philadelphia.
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 happens on moving day without a gap. Out-of-state insurers don't always file PA forms, so a clean handoff matters.