Pennsylvania Auto Insurance [Rates + Cheap Coverage Guide]

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Pennsylvania Statistics Summary 
Road MilesTotal in State: 120,039
Vehicle Miles Driven: 99,882 Million
Population12,807,060
Most Popular VehicleCR-V
Total Driving Related Deaths (2017)1137
Speeding Related Fatalities (2017468
DUI Related Fatalities (2017)314
Average Premiums (Annual)Liability: $495.02
Collision: $307.31
Comprehensive: $132.01
Combined: $934.34
Percentage of Motorists Uninsured7.6%
State Rank: 43rd
Cheapest ProviderUSAA

Home to the Liberty Bell, the Steelers & the Eagles, the first public zoo in the United States, and the beautiful Appalachian Mountains, the great state of Pennsylvania is the 6th most populated state and the 33rd largest state by area in America.

Whether you want to take a drive through Pennsylvania mountains or take a drive to see a football game, one thing is for sure: you’re going to need car insurance.

Searching for the best car insurance company and the right type of car insurance can be intimidating and even a hassle at times, and that’s exactly why we’ve put together a complete guide to car insurance.

In this guide, we discuss car insurance rates, reasons for having different kinds of coverage, Pennsylvania insurance state laws, auto insurance discounts, and more.

Don’t skip this next section! Keep reading for Pennsylvania car insurance rates and coverage.

Table of Contents

Pennsylvania Car Insurance Coverage and Rates

 

By law in the state of Pennsylvania, drivers are required to have car insurance. However, unlike most states in the U.S., Pennsylvania is considered a no-fault state.

But what does no-fault mean?

While at-fault states require the driver who caused the accident to be held responsible for covering the costs of property damages and medical bills resulting from the accident, no-fault states (like Pennsylvania) do not hold the driver who caused the accident responsible.

Still don’t understand no-fault?

Here’s an example.

Driver A causes an accident with Driver B and there are damages to Driver B’s car. Driver A is not responsible for making a claim with his insurance company (if there aren’t any damages to his car or body) and his insurance company is not required to pay for the damages to Driver B’s car.

Driver B is required to go to his own insurance company and file a claim with them so they can pay out the money to fix his car.

Are you ready for the kicker now?

Driver B has car insurance because he is required to by law, but this doesn’t necessarily mean his car insurance company will cover all of the damage to his car.

Want to know why not? Up next we explain the different types of car insurance.

– Pennsylvania Minimum Coverage

According to NOLO, Pennsylvania has a compulsory liability insurance law, but sale and purchase are optional.

Okay, now that we know Pennsylvania drivers are required to at least have minimum liability insurance coverage, what exactly does this mean?

If you want to drive on the road in Pennsylvania and you happen to get into an accident, you are held liable to a certain degree for that accident, even if you did not cause it. Every state is different, so follow closely as we list minimum liability requirements for insurance in PA.

The minimum liability insurance requirements are as follows:

  • Must be at least $15,000 for injury or death per person
  • $30,000 for the total injury or death per accident
  • $5,000 for damage to the property of another person per accident

Sometimes this kind of insurance is referred to as 15/30/5. But as you can see, the amount of money for injury or death to a person is significantly higher than the amount for property damages as the life of a person is obviously worth a lot more than a car.

– Forms of Financial Responsibility

Proof of financial responsibility just means a driver can prove that he or she is able to cover the cost of damages and medical bills in the case of an accident.

By law, proof of financial responsibility must be furnished by filing evidence satisfactory to the Pennsylvania Department of Motor Vehicles that all motor vehicles registered in a person’s name are covered by motor vehicle liability insurance or by a program of self-insurance as provided by the Department.

These forms of responsibility can also be proved by having other reliable financial arrangements, deposits, resources, or commitments.

– Premiums as a Percentage of Income

You may have heard of something called disposable income per capita. This is the average amount of income each household makes after taxes per year.

Pennsylvania’s average per capita income was $42,414 in 2014.

On average, Pennsylvania drivers spend $934.34 per year on car insurance. That means drivers are spending an average of 2.2% of their income a year on car insurance!

Since there are different types of car insurance and different things that can vary your rate, here’s a table to illustrate.

Premiums as a Percentage of Income 2012-2014) 
Full Coverage
2014
$950.42
Disposable
Income 2014
$42,414.00
Insurance as %
of Income 2014
2.24%
Full Coverage
2013
$930.48
Disposable
Income 2013
$40,840.00
Insurance as %
of Income 2013
2.28%
Full Coverage
2012
$915.83
Disposable
Income 2012
$41,020.00
Insurance as %
of Income 2012
2.23%

In 2014, the countrywide average for premiums as a percentage of income was 2.4 percent and Pennsylvania’s was only 2.24 percent. This could be a great thing for you if you’re thinking about moving to Pennsylvania as it will likely save you money when it comes to your insurance premium!

There’s no surprise that Pennsylvania’s surrounding states rates fluctuate (New York is higher and Ohio is lower).

 

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– Core Car Insurance Coverage in Pennsylvania

Pennsylvania Car Insurance TypeAnnual Costs in 2015
Liability$499.06
Collision$327.24
Comprehensive$144.21
Combined$970.51

The above data shows the most recent average costs of car insurance by type. This information is taken from one of the most reputable car insurance sources, the National Association of Insurance Commissioners.

Next, let’s get into popular coverage plans you can add to your existing auto insurance policy.

– Additional Liability Coverage in Pennsylvania

Pennsylvania Loss Ratio201220132014
Medical Payments (MedPay)98.02%236.43%11.97%
Personal Injury Protection73.99%73.47%69.95%
Uninsured/Underinsured Motorist58.12%60.74%58.12%

What does loss ratio have to do with additional liability coverage?

Loss ratio has to do with the amount of filed claims that have been resolved (or not resolved) by an insurance company.

If your insurance company has paid out too many claims, they could be at risk of bankruptcy. However, if you’re insurance company isn’t paying out enough claims, they could be taking advantage of their clients.

For example:

Pennsylvania’s loss ratio in 2012 for medical payments was only 11.97 percent. That number is significantly low because it means car insurance companies only paid out about 12 percent of filed claims that year.

But look at 2013 for the exact same category! It’s over 200 percent! Maybe car insurance companies under-compensated for the year 2012, so they over-compensated in 2013.

It is also interesting that the loss ratios for both personal protection and underinsured/uninsured motorists for all the years listed are at a pretty good percentage — not too high and not too low.

 

In Pennsylvania, 7.6 percent of motorists are uninsured. This means that the state ranks 43rd in America overall for uninsured drivers — not too shabby!

When you’re picking out an insurance company, here’s what you need to know:

Is the loss ratio under 50 percent or over 70 percent?

– Add-ons, Endorsements, and Riders in Pennsylvania

How do you choose what kinds of add-on insurance to add to your basic policy?

Even more, how do you know which insurance company will save you the most money?

We want to make it easy for you!

Click here to compare rates with different insurance companies or on any of the links below to learn more about some of these great add-ons.

Since more insurance is always better insurance, any of the above add-ons are good options to add if you have a basic insurance policy.

Male vs. Female Annual Car Insurance Rates in Pennsylvania

Things like whether you’re a male or female shouldn’t be factors in deciding your car insurance rate, but unfortunately they do.

Take a look at the list below to compare male vs. female vs. age.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$2,500.83$2,500.83$2,307.05$2,307.05$8,377.10$8,377.10$2,751.49$2,751.49
Geico Cas$2,050.13$1,773.78$1,932.09$1,672.62$5,122.03$4,441.41$2,063.97$1,785.69
First Liberty Ins Corp$3,969.70$3,969.70$3,637.16$3,637.16$11,576.65$11,576.65$5,037.27$5,037.27
Nationwide P&C$1,909.07$1,909.07$1,807.43$1,807.43$5,346.15$5,346.15$2,138.83$2,138.83
Progressive Specialty$2,795.84$2,795.84$2,498.30$2,498.30$8,952.27$8,952.27$3,557.57$3,557.57
State Farm Mutual Auto$1,685.65$1,685.65$1,487.48$1,487.48$5,944.71$5,944.71$1,859.05$1,859.05
Travelers Home & Marine Ins Co$1,747.11$1,747.11$1,882.23$1,882.23$25,635.88$25,635.88$2,104.67$2,104.67
USAA$1,148.03$1,148.03$1,037.62$1,037.62$3,463.40$3,463.40$1,524.42$1,524.42

Surprisingly, Geico is the only company that sticks out. According to this list, they are charging on average about $600 more per year for insurance if you are a 17-year-old single female.

Understandably, younger drivers with less experience will pay more for car insurance than someone who is in their 30s and has been driving for 10 years or more.

Keep in mind that things like your driving record and the amount of car insurance you carry will affect your rate more than whether or not you are a female or male.

– Highest and Lowest Pennsylvania Car Insurance Rates by Zip Code

Where you live can affect your car insurance rate as well.

25 Most Expensive Zip Codes in PennsylvaniaCityAverage by Zip CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
19133PHILADELPHIA$8,527.54Travelers$16,347.78Liberty Mutual$14,953.09USAA$3,130.55Nationwide$5,516.08
19132PHILADELPHIA$8,485.99Travelers$16,434.31Liberty Mutual$14,953.09USAA$2,979.83State Farm$5,345.97
19140PHILADELPHIA$8,482.06Travelers$15,656.34Liberty Mutual$14,953.09USAA$3,130.55Nationwide$5,531.40
19142PHILADELPHIA$8,438.04Travelers$16,063.64Liberty Mutual$14,953.09USAA$3,118.87GEICO$5,402.37
19139PHILADELPHIA$8,431.95Travelers$15,900.83Liberty Mutual$14,953.09USAA$3,067.37GEICO$5,332.66
19121PHILADELPHIA$8,402.97Travelers$15,667.55Liberty Mutual$14,953.09USAA$2,979.83Nationwide$5,103.03
19143PHILADELPHIA$8,335.24Travelers$15,329.68Liberty Mutual$14,953.09USAA$3,040.28GEICO$5,332.66
19122PHILADELPHIA$8,251.79Travelers$15,965.31Liberty Mutual$14,953.09USAA$2,977.25GEICO$5,059.59
19112PHILADELPHIA$8,120.94Travelers$15,996.78Liberty Mutual$14,953.09USAA$3,040.28State Farm$4,159.60
19141PHILADELPHIA$7,951.26Travelers$15,628.00Liberty Mutual$11,848.69USAA$3,168.09State Farm$5,393.39
19120PHILADELPHIA$7,934.92Travelers$15,270.43Liberty Mutual$11,848.69USAA$3,130.55GEICO$5,059.59
19126PHILADELPHIA$7,875.75Travelers$15,023.64Liberty Mutual$11,848.69USAA$3,132.85State Farm$4,926.72
19145PHILADELPHIA$7,875.23Travelers$15,797.70Liberty Mutual$13,185.12USAA$3,040.28State Farm$4,614.78
19125PHILADELPHIA$7,867.88Travelers$15,280.25Liberty Mutual$13,185.12USAA$2,977.25GEICO$5,059.59
19124PHILADELPHIA$7,839.78Travelers$15,192.97Liberty Mutual$11,848.69USAA$3,170.44GEICO$5,059.59
19138PHILADELPHIA$7,813.73Travelers$15,422.93Liberty Mutual$11,848.69USAA$3,018.01State Farm$4,962.95
19153PHILADELPHIA$7,809.79Travelers$15,950.73Liberty Mutual$13,185.12USAA$3,040.28Nationwide$4,431.54
19134PHILADELPHIA$7,792.20Travelers$15,369.32Liberty Mutual$13,185.12USAA$3,130.55State Farm$5,003.80
19104PHILADELPHIA$7,718.61Travelers$15,015.69Liberty Mutual$14,953.09USAA$2,979.83GEICO$3,727.54
19131PHILADELPHIA$7,711.11Travelers$15,520.29Liberty Mutual$11,848.69USAA$2,979.83State Farm$5,173.58
19190PHILADELPHIA$7,619.01Travelers$15,996.78Liberty Mutual$14,953.09USAA$2,684.13GEICO$3,727.54
19109PHILADELPHIA$7,590.79Liberty Mutual$14,953.09Travelers$14,644.96USAA$2,802.84GEICO$3,727.54
19148PHILADELPHIA$7,551.17Travelers$16,231.94Liberty Mutual$13,185.12USAA$3,040.28GEICO$3,727.54
19144PHILADELPHIA$7,532.62Travelers$15,516.37Liberty Mutual$11,848.69USAA$2,864.58GEICO$4,546.01
19147PHILADELPHIA$7,504.11Travelers$15,857.48Liberty Mutual$13,185.12USAA$3,040.28GEICO$3,727.54

Philadelphia has the most expensive zip codes.

25 Least Expensive Zip Codes in PennsylvaniaCityAverage by Zip CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
16823BELLEFONTE$3,116.01Travelers$5,623.33Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
16801STATE COLLEGE$3,156.82Travelers$6,027.64Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
16803STATE COLLEGE$3,205.35Travelers$6,206.11Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
17844MIFFLINBURG$3,205.40Travelers$5,668.37Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
16828CENTRE HALL$3,207.80Travelers$5,600.96Liberty Mutual$4,826.44USAA$1,384.72State Farm$1,979.70
16802UNIVERSITY PARK$3,211.08Travelers$6,155.13Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
16870PORT MATILDA$3,212.75Travelers$5,804.33Liberty Mutual$5,301.56USAA$1,385.22GEICO$1,816.07
17013CARLISLE$3,217.12Travelers$6,210.08Liberty Mutual$4,364.46USAA$1,561.10GEICO$1,897.92
17015CARLISLE$3,217.18Travelers$6,210.08Liberty Mutual$4,364.46USAA$1,561.10GEICO$1,897.92
17837LEWISBURG$3,223.56Travelers$5,861.05Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
17065MOUNT HOLLY SPRINGS$3,237.78Travelers$6,004.88Liberty Mutual$4,801.54USAA$1,561.08GEICO$1,897.92
16826BLANCHARD$3,242.81Travelers$5,623.33Liberty Mutual$5,301.56USAA$1,385.22State Farm$2,062.44
17842MIDDLEBURG$3,243.72Travelers$5,719.63Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
17887WHITE DEER$3,263.23Travelers$6,414.92Liberty Mutual$4,835.16USAA$1,467.86State Farm$2,038.07
17266WALNUT BOTTOM$3,264.01Travelers$6,163.01Liberty Mutual$4,801.54USAA$1,561.11GEICO$1,897.92
17324GARDNERS$3,275.34Travelers$5,874.51Liberty Mutual$4,801.54USAA$1,561.11GEICO$2,153.91
17343MC KNIGHTSTOWN$3,275.41Travelers$5,709.54Liberty Mutual$4,835.16USAA$1,540.87GEICO$2,153.91
17007BOILING SPRINGS$3,282.20Travelers$6,303.42Liberty Mutual$4,801.54USAA$1,561.08GEICO$1,897.92
17241NEWVILLE$3,288.08Travelers$6,018.29Liberty Mutual$4,801.54USAA$1,561.11GEICO$1,897.92
16827BOALSBURG$3,288.82Travelers$6,427.94Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
17050MECHANICSBURG$3,290.99Travelers$6,645.72Liberty Mutual$4,364.46USAA$1,561.19GEICO$1,897.92
17055MECHANICSBURG$3,291.15Travelers$6,761.33Liberty Mutual$4,364.46USAA$1,561.19GEICO$1,897.92
16875SPRING MILLS$3,298.88Travelers$5,708.01Liberty Mutual$5,301.56USAA$1,384.72State Farm$2,096.21
17889WINFIELD$3,300.90Travelers$6,327.37Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
17870SELINSGROVE$3,301.85Travelers$6,493.74Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84

– Cheapest Pennsylvania Car Insurance Rates by City

10 Least Expensive Cities in PennsylvaniaAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Bellefonte$3,116.01Travelers$5,623.33Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
Houserville$3,156.81Travelers$6,027.64Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
Park Forest Village$3,205.35Travelers$6,206.11Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
Mifflinburg$3,205.40Travelers$5,668.37Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
Centre Hall$3,207.80Travelers$5,600.96Liberty Mutual$4,826.44USAA$1,384.72State Farm$1,979.70
University Park$3,211.08Travelers$6,155.13Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
Port Matilda$3,212.75Travelers$5,804.33Liberty Mutual$5,301.56USAA$1,385.22GEICO$1,816.07
Carlisle$3,217.14Travelers$6,210.08Liberty Mutual$4,364.46USAA$1,561.10GEICO$1,897.92
Lewisburg$3,223.56Travelers$5,861.05Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
Mount Holly Springs$3,237.78Travelers$6,004.88Liberty Mutual$4,801.54USAA$1,561.08GEICO$1,897.92

What about the most expensive cities for car insurance rates?

10 Most Expensive Cities in PennsylvaniaAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Philadelphia$7,482.34Travelers$15,126.36Liberty Mutual$12,538.89USAA$2,954.06GEICO$4,621.12
Sharon Hill$6,392.50Travelers$13,460.15Liberty Mutual$8,630.14USAA$2,363.32Nationwide$4,102.98
East Lansdowne$6,347.36Travelers$12,468.46Liberty Mutual$8,630.14USAA$2,511.37Nationwide$4,210.51
Collingdale$6,270.41Travelers$12,886.09Liberty Mutual$8,630.14USAA$2,511.37Nationwide$4,212.45
Millbourne$6,231.76Travelers$12,160.58Liberty Mutual$8,630.14USAA$2,207.63Nationwide$4,241.54
Bensalem$5,764.41Travelers$12,296.07Liberty Mutual$8,344.78USAA$1,908.22GEICO$3,568.65
Cheltenham$5,733.79Travelers$12,436.54Liberty Mutual$7,629.84USAA$2,456.44Nationwide$3,835.72
Elkins Park$5,727.39Travelers$12,174.44Liberty Mutual$7,629.84USAA$2,154.94Nationwide$3,745.21
Chester$5,723.20Travelers$12,415.25Liberty Mutual$8,630.14USAA$2,363.32GEICO$3,596.36
Glenolden$5,720.42Travelers$12,887.96Liberty Mutual$8,630.14USAA$2,395.86State Farm$3,491.05

Best Pennsylvania Car Insurance Companies

It’s crazy to think that there are literally hundreds of car insurance companies out there – and they all want your business. But time is precious, and no one wants to sift through tons of info about car insurance to find the best rates.

Luckily for you, we’ve provided information for some of the best PA car insurance companies out there.

In this table, we cover AM best ratings, financial ratings, and complaint averages. If you need help finding a great insurance company, look below!

– Ratings of the Largest Car Insurance Companies in Pennsylvania

CompanyAM RatingDirect Premiums WrittenMarket ShareLoss Ratio
State Farm GroupA++$1,779,91520.35%63.70%
Erie Insurance GroupA+$1,153,85613.19%64.93%
Allstate Insurance GroupA+$998,91911.42%55.64%
Progressive GroupA+$875,57910.01%58.55%
Nationwide Corp GroupA+$786,1098.99%59.96%
GeicoA++$706,8978.08%74.24%
Liberty Mutual GroupA$424,1064.85%61.06%
Travelers GroupA++$335,9633.84%62.41%
USAA GroupA++$299,4883.42%72.05%
Farmers Insurance GroupNR$192,1622.20%74.14%

Now that you’ve seen what each AM best rating is for each company, how do you know what that means?

It’s easy. The AM best rating tells us how strong each companies’ financial strength is.

These ten companies are pretty solid – they all have at least an A rating.

As we discussed before, we don’t want loss ratios to be above 70-80 percent and below 40 percent, and every company we’ve listed stays within these percentages.

– Pennsylvania Car Insurance Companies with the BEST Ratings

Customer satisfaction is key when it comes to the service industry, so it makes sense to look for good customer service when it comes to choosing your car insurance company.

In 2018, with the exception of USAA, Erie Insurance was the number one car insurance company for overall customer satisfaction according to J.D. Power. J.D. Power bases these rankings on five components: policy offerings, price, billing process, policy information, and claims.

 

JD Power MidAtlantic

– Companies with the Most Complaints in Pennsylvania

Companies receive complaints all the time, but it doesn’t mean they are bad companies. In fact, if they receive a complaint, and improve something about that complaint, this means they are listening to their clients and usually, they have good customer service.

Here’s some data about complaint averages for the top ten insurance companies in Pennsylvania.

CompanyNational Median
Complaint Ratio
Company Complaint
Ratio 2017
Total Complaints
2017
State Farm Group10.441482
Erie Insurance Group10.722
Allstate Insurance Group10.5163
Progressive Group10.75120
Nationwide Corp Group10.2825
GeicoNANANA
Liberty Mutual Group15.95222
Travelers Group10.092
USAA Group10.74296
Farmers Insurance Group10.597

– Cheapest Companies in Pennsylvania

CompanyAverage
Allstate F&C$3,984.12
Geico Cas$2,605.22
First Liberty Ins Corp$6,055.19
Nationwide P&C$2,800.37
Progressive Specialty$4,451.00
State Farm Mutual Auto$2,744.22
Travelers Home & Marine Ins Co$7,842.47
USAA$1,793.37

– Commute Rates by Companies

How many miles you drive a year on average can affect your insurance rate.

GroupCommute and Annual MileageAnnual Average
Travelers10 miles commute. 6000 annual mileage.$7,842.47
Travelers25 miles commute. 12000 annual mileage.$7,842.47
Liberty Mutual25 miles commute. 12000 annual mileage.$6,210.14
Liberty Mutual10 miles commute. 6000 annual mileage.$5,900.24
Progressive10 miles commute. 6000 annual mileage.$4,451.00
Progressive25 miles commute. 12000 annual mileage.$4,451.00
Allstate25 miles commute. 12000 annual mileage.$4,064.08
Allstate10 miles commute. 6000 annual mileage.$3,904.16
State Farm25 miles commute. 12000 annual mileage.$2,826.63
Nationwide10 miles commute. 6000 annual mileage.$2,800.37
Nationwide25 miles commute. 12000 annual mileage.$2,800.37
State Farm10 miles commute. 6000 annual mileage.$2,661.82
Geico25 miles commute. 12000 annual mileage.$2,647.62
Geico10 miles commute. 6000 annual mileage.$2,562.81
USAA25 miles commute. 12000 annual mileage.$1,844.59
USAA10 miles commute. 6000 annual mileage.$1,742.14

– Coverage Level Rates by Companies

GroupCoverage TypeAnnual Average
TravelersLow$7,896.86
TravelersMedium$7,848.30
TravelersHigh$7,782.26
Liberty MutualHigh$6,306.41
Liberty MutualMedium$6,098.96
Liberty MutualLow$5,760.21
ProgressiveHigh$4,809.93
ProgressiveMedium$4,484.26
AllstateHigh$4,148.08
ProgressiveLow$4,058.80
AllstateMedium$4,010.08
AllstateLow$3,794.20
State FarmHigh$2,885.58
NationwideMedium$2,835.74
NationwideLow$2,813.46
GeicoHigh$2,810.85
State FarmMedium$2,780.67
NationwideHigh$2,751.91
GeicoMedium$2,629.30
State FarmLow$2,566.42
GeicoLow$2,375.50
USAAHigh$1,907.44
USAAMedium$1,810.30
USAALow$1,662.36

– Credit History Rates by Companies

Did you know your credit history can also affect your rate?

GroupCredit HistoryAnnual Average
TravelersPoor$8,534.70
Liberty MutualPoor$7,727.18
TravelersFair$7,710.22
TravelersGood$7,282.50
ProgressivePoor$5,897.08
Liberty MutualFair$5,542.86
AllstatePoor$5,093.72
Liberty MutualGood$4,895.54
ProgressiveFair$4,136.56
GeicoPoor$3,911.48
State FarmPoor$3,904.98
AllstateFair$3,798.36
ProgressiveGood$3,319.35
NationwidePoor$3,287.49
AllstateGood$3,060.28
NationwideFair$2,701.68
State FarmFair$2,418.55
NationwideGood$2,411.94
USAAPoor$2,241.67
GeicoFair$2,202.65
State FarmGood$1,909.14
GeicoGood$1,701.51
USAAFair$1,664.45
USAAGood$1,473.98

According to Experian, drivers in Pennsylvania had an average credit score of 687 in 2017.

Usually, if your credit is not good, your car insurance rate will be higher. That’s just the way the cookie crumbles.

Likewise, if you have good credit, you’ll have lower rates.

– Driving Record Rates by Companies

GroupDriving RecordAnnual Average
TravelersWith 1 DUI$9,974.88
TravelersWith 1 accident$7,914.42
TravelersWith 1 speeding violation$7,914.42
Liberty MutualWith 1 accident$6,328.15
Liberty MutualWith 1 DUI$6,183.64
Liberty MutualWith 1 speeding violation$6,183.64
ProgressiveWith 1 accident$5,570.34
TravelersClean record$5,566.16
Liberty MutualClean record$5,525.34
AllstateWith 1 accident$4,497.16
ProgressiveWith 1 DUI$4,153.94
ProgressiveWith 1 speeding violation$4,045.00
ProgressiveClean record$4,034.71
AllstateClean record$3,813.11
AllstateWith 1 DUI$3,813.11
AllstateWith 1 speeding violation$3,813.11
NationwideWith 1 DUI$3,769.26
GeicoWith 1 accident$3,282.78
State FarmWith 1 accident$2,976.14
State FarmWith 1 DUI$2,744.22
State FarmWith 1 speeding violation$2,744.22
NationwideWith 1 speeding violation$2,707.29
NationwideWith 1 accident$2,703.02
GeicoWith 1 speeding violation$2,653.35
GeicoWith 1 DUI$2,568.60
State FarmClean record$2,512.31
USAAWith 1 DUI$2,126.01
NationwideClean record$2,021.90
USAAWith 1 accident$1,992.43
GeicoClean record$1,916.13
USAAWith 1 speeding violation$1,612.21
USAAClean record$1,442.82

The above data shows what your average rate can be if you’ve had a clean record, one speeding ticket, one accident, or one DUI.

Take a look at Travelers for example! With a clean record, your average rate can be $5566.16. However, with one DUI (driving under the influence) your average rate jumps to almost twice that! Ouch!

– Number of Insurers in Pennsylvania

Pennsylvania Property & Casualty InsuranceNumber
Domestic166
Foreign929
Total1095

Pennsylvania Car Insurance Laws

Driving laws are different in every state in America. If you just moved to Pennsylvania and you don’t know the rules of the road, you are more likely to be cited for a driving violation.

Since no one wants that, we’re here to cover all there is to know about driving laws and insurance laws specifically related to Pennsylvania.

– Car Insurance Laws

Pay some extra attention to this section as we highlight the rules of the road and car insurance laws in Pennsylvania!

– Windshield Repair Law

In some states, car insurance companies must repair damage to windshields whether the damage was caused by the driver or caused by a natural disaster.

While insurance companies are not obligated by law to repair windshields in the state of Pennsylvania, individual companies may offer windshield insurance with comprehensive coverage.

– High-Risk Insurance in Pennsylvania

In most states, after an uninsured driver is convicted of a DUI or has been in a car accident, he or she must provide an SR-22 at the Department of Motor Vehicles.

This document just explains that the driver has at the very least, minimum car insurance.

However, Pennsylvania is one of six states that does not require this. But, don’t forget that every driver in Pennsylvania must have minimum liability car insurance.

Minimum liability car insurance includes:

  • Bodily Injury per Person: $15,000
  • Bodily Injury for All Injuries: $30,000
  • Property Damage: $5,000
  • Personal Injury Protection: $5,000

– Automobile Insurance Fraud in Pennsylvania

You may be wondering what insurance fraud is! Not a problem, we can answer that for you.

According to the Insurance Information Institute, insurance fraud is defined as deceiving an insurance company by embellishing on the amount of damage on a claim, causing the accident on purpose to claim insurance money, and lying to an insurance company about personal injury caused during the time of the accident.

Help Stop Fraud says that these are some of the most popular forms of insurance fraud in Pennsylvania.

  • staged auto accidents and false claims of injury
  • false reports of stolen vehicles
  • false claims that an accident happened after a policy or coverage was purchased
  • false claims for damage that already existed
  • claimants who concealed that a person excluded from coverage by their policy was driving at the time of the accident

Automotive insurance fraud is a serious crime. As with all other types of insurance fraud‚ Pennsylvania considers it a felony. Violators can spend up to seven years in prison and spend up to $15‚000 in fines.

– The Statute of Limitations in Pennsylvania

Statute of limitations law in Pennsylvania means that if you want to file a lawsuit after a bad car accident, you only have a certain amount of time to file that lawsuit in.

In Pennsylvania, you have a maximum of two years to file a lawsuit for personal injury and property damage.

– Limited Tort vs. Full Tort Laws

Pennsylvania offers you a choice when you’re preparing your car insurance policy. You’re able to choose Full Tort – which allows you to sue for pain and suffering – or you can choose Limited Tort and forfeit the right to compensation for pain and suffering.

Typically, Limited Tort offers you a small discount on your monthly premium.

– Vehicle Licensing Laws

Pennsylvania drivers are required to have a driver’s license. If you are caught driving without a license, there are consequences. Seems pretty self-explanatory, right?

Keep reading to learn about more mandatory licensing and insurance laws.

– Penalties for Driving Without Insurance in Pennsylvania

It doesn’t matter if you are caught driving without proper insurance one time, or a million times in Pennsylvania; the punishments are always the same.

Here’s what can happen if you drive without car insurance:

  • Your registration can be suspended for three months (unless lapse was for less than 31 days and your vehicle cannot be operated during that time)
  • Pay $88 restoration fee plus proof of insurance required to get it back
  • Pay $500 civil penalty fee is optional in lieu of registration suspension plus $88 restoration fee — can only use this option once within a 12-month period

– Teen Driver Laws in Pennsylvania

In Pennsylvania, you have to be at least 16 years old to acquire a learner’s license.

Requirements for Getting a License in PennsylvaniaDetails
Mandatory Holding Period6 Months
Minimum Supervised Driving TIme65 hours, 10 of which must be at night and 5 of which must be in inclement weather
Minimum Age16

When you’re a young driver, there are rules set in place to give you some experience while on the road, as well as rules to keep you safe.

Restrictions for Restricted Licenses in PennsylvaniaTime/Age
Nighttime Restrictions11 p.m.-5 a.m.
Passenger restrictions (family members excepted unless noted otherwise)first 6 months— no more than 1 passenger younger than 18; thereafter, no more than 3 passengers
Minimum age at which restrictions may be liftedTime/Age
Nighttime restrictions12 months and age 17 if completed driver education or age 18 (min. age: 17)
Passenger restrictions12 months and age 17 if completed driver education or age 18 (min. age: 17)

– Older Driver’s License Renewal Procedures

Pennsylvania law requires drivers to get their license renewed every four years. However, drivers 65 and older have the option to renew their license every two years, but they must renew their license every four years.

Proof of adequate vision is not required when you have your license renewed and anyone may renew their license online or through the mail.

Avoiding the DMV at all costs is always a better option – so save some time and renew your license online!

– New Residents in Pennsylvania

If you are moving to Pennsylvania, you must have insurance coverage that meets the minimum standards.

Remember what the minimum liability coverage is in Pennsylvania?

  • Bodily injury liability coverage: $15,000 per person, $30,000 per accident
  • Property damage liability coverage: $5,000
  • First party benefits medical payments: $5,000

Don’t forget to update your new address with your new (or existing) insurance company so that they can send you new insurance cards.

Don’t be surprised if your rates change a little – remember every state’s coverage and rate premiums are a bit different.

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– Negligent Operator Treatment System

Pennsylvania law defines negligent or “reckless driving” as driving a vehicle “in willful or wanton disregard for the safety of persons or property.”

The law is violated when:

  • a person’s driving is so unsafe that it creates a high probability of an accident occurring, and
  • the person is aware of but disregards the risk.

Reckless driving does not happen when a person makes an honest mistake and causes an accident.

In Pennsylvania, reckless driving is generally a “summary offense.” The penalties for a violation include up to 90 days in jail, a $200 fine, and a six-month license suspension.

But a motorist who causes “serious bodily injury” to another person while driving recklessly can be convicted of “aggravated assault by vehicle.” Aggravated assault by vehicle is a third-degree felony. Convicted drivers normally face up to seven years in prison, a maximum $15,000 in fines, and a one-year license suspension.

– Pennsylvania Rules of the Road

Don’t be a dummy when it comes to not knowing the rules of the road. Points, fines, and citations can add up quickly when you aren’t following simple driving procedures and a law enforcement officer decides to pull you over.

– Fault vs. No-Fault

We’ve already covered this, but Pennsylvania is a no-fault state.

This means that regardless of who caused the accident, each driver involved in the accident is required to file a claim and collect compensation (if applicable) from his or her own insurance company.

– Seat Belt and Car Seat Laws

Listed below are seat belt laws for the state of Pennsylvania.

Safety Belt Laws in PennsylvaniaDetails
Effective SinceNovember 23rd, 1987
Primary Enforcementno (yes for children <18 years)
Age/Seats Applicable18+ years in front seat
1st Offense Max Fine$10

Here are some Pennsylvania car seat laws.

Type of Car Seat RequiredAge
Rear-Facing Child Restraintyounger than 2 years in a rear facing child restraint until a child outgrows the manufacturer’s top height or weight recommendations
Forward-Facing Child Restraint2 through 3 years in a forward-facing child safety seat
Child Booster Seat4 through 7 years in a booster seat
Adult Belt Permissible8 through 17 years in all seats

If you break any of the above car seat laws, you must pay a $75 fine if it’s your first offense.

There are laws in Pennsylvania about riding in cargo areas in trucks. You will not be covered by your insurance company if you are in an accident while riding in the back of a pick-up truck if:

  • you are 18 and older if the vehicle is traveling less than 35 mph
  • but . . .
  • this is inapplicable to occupants 17 and younger if the cargo area is enclosed during parades, hunting, and farm operations

But, you don’t have to worry about that if you just follow the law and keep yourself and child safe when it comes to putting them in a car seat, or by wearing a seat belt. It could save their life – or yours.

– Keep Right and Move Over Laws

Usually, if you want to go slower than the average speed of traffic, you are required to keep right and move over. Sound familiar?

In the state of Pennsylvania, drivers are required to keep right with several exceptions. Drive in the right lane except when:

  • When overtaking and passing another vehicle proceeding in the same direction.
  • When traveling at a speed greater than the traffic flow
  • When moving left to allow traffic to merge
  • When preparing for a left turn at an intersection, exit or into a private road or driveway when such left turn is legally permitted

– Pennsylvania Speed Limit Laws

Below is a list of maximum speed limits in Pennsylvania.

Type of RoadwaySpeed Limit
Rural Interstates70 mph
Urban Interstates70 mph
Other Limited Access Roads70 mph
Other Roads55 mph

– Ridesharing Laws in Pennsylvania

If you work or are planning on getting a job with a ridesharing service such as Uber or Lyft, you must have ridesharing insurance.

Here is a list of top insurers in Pennsylvania who carry ridesharing insurance as an option you can add to your basic policy.

  • Erie
  • Geico
  • Liberty Mutual
  • Progressive

– Automation on the Road in Pennsylvania

You might be asking yourself, “what is automation?”

Automation on the road simply means the car has capabilities of being able to drive itself in one way or another.

The IIHS defines it as this:

“Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. One example is adaptive cruise control, which maintains a set speed.”

According to the Insurance Institute for Highway Safety, the Pennsylvania Department of Transportation (PennDOT) voluntary guidance authorizes testing of “highly automated vehicles.”

Pennsylvania law authorizes deployment of “highly automated work zone vehicles,” effective April 22, 2019.

– Safety Laws in Pennsylvania

Every state has different safety laws about DUIs, doing drugs while driving, and distracted driving laws. Keep reading for more info on Pennsylvania state safety laws.

– DUI Laws

Pennsylvania has strict laws against drunk driving. In fact, there were over 300 total alcohol-impaired driving fatalities in 2017.

DUI Law in PennsylvaniaDetails/Penalties
Name for OffenseDriving after Imbibing (DAI)
BAC Limit0.08
High BAC Limit0.16
Criminal Status1st-2nd misdemeanors, 3rd+ second degree misdemeanors
Look Back Period10 years

However, if do decide to drink and drive, just doing it one time can cost you your license, money, and maybe someone else’s life or your own.

DUI Charges in Pennsylvania1st Offense2nd Offense3rd Offense4th Offense
License RevokedNo minimum1 year1 yearsame as 3rd
Jail TimeNo minimum, but up to 6 months probation5 days - 6 months10 days to 2 yearssame as 3rd
Fine$300$300-$2500$500-$5000same as 3rd
Otheralcohol hwy safety school, treatment when ordered1 year IID, alcohol HWY safety school, treatment when ordered1 year IID, treatment when orderedsame as 3rd

– Marijuana Impaired Driving Laws

In the state of Pennsylvania, the legal limit of marijuana is THC per se 1 nanogram while driving. However, there are no open container laws yet.

– Distracted Driving Laws

Technology is such an awesome thing, and it’s really come far over the last two decades or so.

Since texting became a thing not too long ago, Pennsylvania has had to create a texting ban for all drivers.

Currently, there are no laws about talking on your phone or holding it while driving – you just can’t text and drive. Studies have shown that the effects of texting and driving are similar to drinking and driving.

So put your phone down while driving! One text is not worth taking someone else’s life or your own.

Pennsylvania’s Can’t-Miss Facts

By now, you should have a great understanding of Pennsylvania’s rules of the road. Stay tuned! You don’t want to miss this next section about Pennsylvania’s can’t miss facts!

What are the risks of owning and operating a vehicle in the state of Pennsylvania?

What happens if your car gets stolen? What if there’s a massive snowstorm, or a tornado? What are some of the road dangers in Pennsylvania?

In this section we cover topics like these and much more, so keep reading if you’re not informed about potential dangers that could be down your street or in the city you live in.

You really can’t miss this!

– Vehicle Theft in Pennsylvania

Is your vehicle on this most-stolen list? Remember that if your car is stolen, it most likely will not be covered unless you have comprehensive coverage.

Make/ModelYear of VehicleTotal Thefts
Honda Accord1997544
Honda Civic1998539
Ford Pickup (Full Size)2006303
Toyota Camry2014269
Nissan Altima2015261
Chevrolet Impala2006224
Toyota Corolla2014210
Chevrolet Pickup (Full Size)2003203
Jeep Cherokee/Grand Cherokee1999188
Chevrolet Malibu2015159

Could your city be on this list below? Below is the FBI’s list for the worst cities for vehicle theft in Pennsylvania.

  
CityMotor
vehicle
theft
Abington Township, Lackawanna County0
Abington Township, Montgomery County25
Adamstown4
Adams Township, Butler County1
Adams Township, Cambria County0
Akron1
Alburtis0
Aldan1
Aleppo Township0
Aliquippa10
Allegheny Township, Blair County3
Allegheny Township, Westmoreland County0
Allentown337
Altoona43
Ambler3
Ambridge6
Amity Township9
Annville Township1
Armagh Township0
Arnold9
Ashland1
Ashville0
Aspinwall0
Aston Township10
Athens1
Avalon6
Avis0
Avondale0
Avonmore Boro0
Baldwin Borough4
Bally0
Bangor2
Beallsville0
Beaver Falls11
Beaver Meadows0
Bedford1
Bell Acres0
Bellevue5
Bellwood0
Ben Avon0
Ben Avon Heights0
Bensalem Township90
Benton Area0
Berlin0
Bern Township2
Bernville0
Berwick11
Bessemer0
Bethel Park7
Bethel Township, Armstrong County0
Bethel Township, Berks County1
Bethel Township, Delaware County1
Bethlehem44
Bethlehem Township9
Biglerville41
Birdsboro2
Birmingham Township1
Blair Township2
Blakely5
Blawnox0
Bloomsburg Town2
Blossburg0
Bonneauville2
Boswell0
Brackenridge4
Braddock Hills0
Bradford10
Bradford Township5
Brecknock Township, Berks County1
Brentwood16
Briar Creek Township2
Bridgeport3
Bridgeville1
Bridgewater1
Bristol9
Bristol Township90
Brockway0
Brookhaven6
Brookville0
Brownsville3
Bryn Athyn0
Buckingham Township2
Buffalo Township0
Buffalo Valley Regional0
Burgettstown1
Butler Township, Butler County8
Butler Township, Luzerne County1
Butler Township, Schuylkill County1
Caernarvon Township, Berks County4
California2
Callery0
Caln Township10
Cambria Township3
Cambridge Springs0
Canton2
Carbondale12
Carrolltown0
Carroll Township, Washington County2
Carroll Township, York County2
Carroll Valley40
Castle Shannon0
Catasauqua10
Catawissa0
Cecil Township0
Center Township1
Centerville1
Central Berks Regional10
Chalfont0
Chambersburg23
Charleroi Regional11
Chartiers Township2
Cheltenham Township30
Cherry Tree0
Chester130
Chester Township9
Chippewa Township3
Christiana1
Churchill2
Clarion6
Clarks Summit0
Clearfield4
Cleona0
Clifton Heights7
Coaldale0
Coal Township9
Coatesville59
Cochranton0
Collegeville0
Collier Township2
Colonial Regional6
Columbia11
Conemaugh Township, Cambria County1
Conemaugh Township, Somerset County0
Conewago Township, Adams County1
Conewango Township1
Conneaut Lake Regional2
Connellsville12
Conoy Township0
Conshohocken6
Conway0
Conyngham0
Conyngham Township, Columbia County0
Coopersburg1
Coplay2
Coraopolis4
Cornwall0
Corry2
Coudersport0
Courtdale1
Covington Township1
Cranberry Township3
Crescent Township1
Cresson0
Cresson Township0
Croyle Township1
Cumberland Township, Adams County4
Cumberland Township, Greene County8
Cumru Township13
Curwensville1
Dallas43
Dallas Township4
Dalton0
Danville1
Darby47
Darby Township2
Darlington Township1
Decatur Township3
Delano Township0
Delmont1
Derry Township, Dauphin County7
Dickson City4
Donora1
Dormont5
Douglass Township, Berks County1
Douglass Township, Montgomery County8
Doylestown5
Doylestown Township1
Dublin Borough0
Du Bois5
Dunbar0
Dunmore3
Dunnstable Township0
Dupont3
Duquesne19
Duryea10
Earl Township3
East Berlin0
East Bethlehem Township1
East Brandywine Township4
East Cocalico Township11
East Conemaugh0
East Coventry Township0
East Deer Township1
East Earl Township44
Eastern Adams Regional1
Eastern Pike Regional3
East Fallowfield Township5
East Hempfield Township11
East Lampeter Township11
East Lansdowne3
East Marlborough Township0
East Norriton Township5
East Norwegian Township41
Easton40
East Penn Township0
East Petersburg1
East Pikeland Township1
East Pittsburgh4
East Rochester1
East Taylor Township0
Easttown Township3
East Union Township0
East Vincent Township1
East Washington3
East Whiteland Township1
Ebensburg3
Economy43
Eddystone4
Edgewood3
Edgeworth0
Edinboro1
Edwardsville3
Elizabethtown2
Elizabeth Township1
Elkland0
Ellwood City1
Emlenton Borough0
Emmaus5
Emporium0
Emsworth0
Ephrata8
Ephrata Township3
Erie98
Etna4
Everett0
Exeter Township, Berks County9
Fairfield41
Fairview Township, Luzerne County0
Fairview Township, York County7
Falls Township, Bucks County46
Fawn Township0
Fayette City0
Ferguson Township2
Ferndale0
Findlay Township1
Fleetwood2
Ford City2
Forest City0
Forest Hills0
Forks Township5
Forty Fort3
Forward Township1
Foster Township, McKean County0
Foster Township, Schuylkill County0
Fountain Hill2
Fox Chapel0
Frackville1
Franconia Township5
Franklin4
Franklin Park0
Franklin Township, Carbon County0
Frazer Township1
Freedom4
Freeland4
Freemansburg1
Freeport0
Galeton0
Gallitzin Township0
Geistown3
Gettysburg3
Gilberton0
Girard0
Girardville0
Glassport9
Granville Township1
Great Bend0
Greencastle41
Greenfield Township, Blair County2
Greensburg2
Green Tree0
Greenville4
Grove City1
Hamburg4
Hampton Township2
Hanover4
Hanover Township, Luzerne County19
Harmony Township3
Harrisville0
Harveys Lake1
Hatboro3
Hatfield Township12
Haverford Township12
Hazleton31
Heidelberg0
Heidelberg Township, Berks County0
Hellam Township7
Hellertown0
Hemlock Township3
Hempfield Township, Mercer County6
Hermitage4
Hickory Township1
Highland Township0
Highspire1
Hilltown Township2
Hollidaysburg2
Homestead19
Honesdale4
Honey Brook0
Horsham Township9
Hughesville0
Hulmeville0
Hummelstown4
Huntingdon2
Independence Township, Beaver County5
Independence Township, Washington County2
Indiana2
Indiana Township0
Indian Lake0
Ingram2
Irwin0
Ivyland0
Jackson Township, Butler County0
Jackson Township, Cambria County1
Jamestown1
Jeannette0
Jefferson Hills Borough3
Jefferson Township, Lackawanna County3
Jefferson Township, Mercer County1
Jefferson Township, Washington County0
Jenkins Township2
Jenkintown0
Jennerstown0
Jermyn2
Jim Thorpe2
Johnsonburg0
Johnstown28
Kenhorst1
Kennedy Township3
Kennett Square4
Kidder Township0
Kilbuck Township0
Kingston11
Kingston Township3
Kittanning0
Kline Township0
Knox0
Kutztown8
Laceyville0
Lake City0
Lamar Township0
Lancaster86
Lancaster Township, Butler County0
Lancaster Township, Lancaster County22
Langhorne Manor1
Lansdale9
Lansdowne13
Larksville3
Latimore Township0
Latrobe11
Laureldale1
Lawrence Park Township0
Lawrence Township, Clearfield County4
Lawrence Township, Tioga County1
Lawrenceville0
Lebanon23
Leechburg0
Leetsdale1
Lehighton8
Lehigh Township, Northampton County6
Lehman Township2
Lewistown7
Liberty0
Ligonier2
Ligonier Township1
Limerick Township8
Lincoln1
Linesville0
Lititz4
Little Beaver Township0
Littlestown1
Lock Haven5
Locust Township0
Logan Township7
Loretto0
Lower Allen Township6
Lower Burrell3
Lower Chichester Township6
Lower Frederick Township0
Lower Gwynedd Township5
Lower Heidelberg Township0
Lower Mahanoy Township0
Lower Makefield Township20
Lower Merion Township35
Lower Milford Township0
Lower Moreland Township3
Lower Paxton Township21
Lower Pottsgrove Township11
Lower Providence Township6
Lower Salford Township1
Lower Saucon Township2
Lower Southampton Township11
Lower Swatara Township4
Lower Windsor Township10
Luzerne2
Luzerne Township0
Lykens0
Macungie1
Mahanoy City5
Mahoning Township, Lawrence County1
Main Township0
Malvern1
Manheim Township16
Manor1
Manor Township, Armstrong County0
Manor Township, Lancaster County8
Mansfield0
Marcus Hook3
Marietta1
Marion Township, Beaver County0
Marion Township, Berks County1
Marlborough Township1
Marple Township7
Mars0
Martinsburg1
Masontown2
McCandless3
McDonald Borough2
McKeesport32
McKees Rocks11
McSherrystown0
Meadville10
Mechanicsburg2
Media2
Mercer0
Meshoppen0
Meyersdale0
Middleburg1
Middlesex Township, Butler County0
Middlesex Township, Cumberland County13
Middletown Township50
Midland2
Midway0
Mifflinburg0
Mifflin County Regional6
Milford0
Millbourne1
Millcreek Township, Lebanon County0
Millersburg0
Millersville1
Millvale0
Millville0
Milton1
Minersville5
Mohnton0
Monaca10
Monessen7
Monongahela3
Monroeville13
Montgomery Township3
Montoursville0
Montour Township0
Montrose0
Moon Township4
Moore Township4
Moosic10
Morton1
Moscow0
Mount Carmel1
Mount Carmel Township3
Mount Gretna Borough0
Mount Holly Springs0
Mount Joy2
Mount Lebanon2
Mount Pleasant1
Mount Pleasant Township0
Mount Union0
Mountville0
Muhlenberg Township24
Muncy2
Muncy Township0
Munhall22
Murrysville4
Myerstown7
Nanticoke9
Narberth0
Nazareth0
Nescopeck1
Nesquehoning0
Nether Providence Township5
Neville Township1
Newberry Township6
New Bethlehem0
New Brighton1
New Britain0
New Britain Township2
New Castle33
New Castle Township0
New Florence0
New Garden Township9
New Hanover Township2
New Holland1
New Hope1
New Kensington17
New Philadelphia1
New Sewickley Township4
Newton Township0
Newtown0
Newtown Township, Bucks County3
Newtown Township, Delaware County5
Newville0
Norristown104
Northampton10
Northampton Township3
North Annville Township0
North Beaver1
North Belle Vernon2
North Cornwall Township4
North Coventry Township5
Northeastern Regional1
Northern Berks Regional8
Northern Cambria Borough3
Northern Lancaster County Regional11
Northern Regional5
Northern York Regional24
North Franklin Township9
North Hopewell Township2
North Huntingdon Township13
North Lebanon Township4
North Londonderry Township0
North Middleton Township2
North Sewickley Township4
North Strabane Township4
Northumberland3
North Union Township0
North Versailles Township2
North Wales3
Northwest Lancaster County Regional2
North Woodbury1
Norwood3
Oakland1
Oakmont1
O'Hara Township2
Ohio Township0
Oil City9
Old Lycoming Township4
Oley Township2
Olyphant1
Orwigsburg2
Osceola Township0
Oxford8
Paint Township3
Palmerton4
Palmyra3
Palo Alto0
Parkesburg3
Parks Township0
Patterson Township3
Patton Township1
Paxtang2
Pen Argyl4
Penbrook46
Penn0
Penndel1
Penn Hills46
Pennridge Regional0
Penn Township, Butler County2
Penn Township, Perry County1
Penn Township, Westmoreland County4
Penn Township, York County4
Pequea Township4
Perkasie5
Perryopolis0
Peters Township3
Philadelphia5,791
Phoenixville8
Pine Creek Township0
Pine Grove2
Pitcairn2
Pittsburgh616
Pittston2
Plains Township8
Pleasant Hills5
Plymouth Township, Montgomery County25
Pocono Mountain Regional21
Pocono Township8
Point Township0
Portage0
Portersville0
Portland0
Port Vue0
Pottstown42
Pottsville15
Pringle4
Prospect0
Pulaski Township, Lawrence County3
Punxsutawney3
Pymatuning Township11
Quakertown6
Quarryville0
Raccoon Township0
Radnor Township7
Rankin1
Reading294
Reading Township0
Redstone Township0
Reserve Township4
Rice Township1
Richland Township, Bucks County6
Richland Township, Cambria County10
Ridgway3
Ridley Park7
Ridley Township43
Ringtown0
Riverside0
Roaring Brook Township1
Roaring Spring1
Robeson Township4
Robinson Township, Allegheny County6
Robinson Township, Washington County1
Rochester18
Rochester Township3
Rockledge1
Roseto2
Ross Township8
Royalton0
Royersford1
Rural Valley0
Rush Township0
Ryan Township0
Sadsbury Township, Chester County2
Salem Township, Luzerne County1
Salisbury Township10
Saltsburg0
Sandy Lake0
Sandy Township3
Sankertown0
Sayre2
Schuylkill Township, Chester County0
Scottdale2
Scott Township, Allegheny County4
Scranton114
Selinsgrove2
Seward0
Sewickley1
Sewickley Heights0
Shade Township0
Shaler Township3
Shamokin1
Sharon Hill11
Sharpsburg2
Sharpsville5
Shenandoah4
Shillington2
Shinglehouse0
Shippensburg40
Shippingport0
Shohola Township1
Silver Lake Township1
Silver Spring Township40
Sinking Spring1
Slatington4
Slippery Rock0
Smethport1
Smithton Borough0
Solebury Township1
Somerset3
Souderton7
South Abington Township3
South Buffalo Township2
South Centre Township0
South Coatesville0
South Connellsville Borough0
Southern Regional, Lancaster County0
Southern Regional, York County2
South Fayette Township4
South Greensburg2
South Heidelberg Township2
South Lebanon Township0
South Londonderry Township0
South Park Township2
South Pymatuning Township1
South Strabane Township7
Southwestern Regional2
Southwest Greensburg2
Southwest Regional, Fayette County0
Southwest Regional, Washington County0
South Whitehall Township13
South Williamsport1
Spring City1
Springettsbury Township12
Springfield Township, Delaware County27
Springfield Township, Montgomery County7
Spring Garden Township11
Spring Township, Berks County8
Spring Township, Centre County0
State College10
St. Clair Boro0
Steelton7
St. Marys City3
Stoneboro0
Stowe Township7
Strasburg1
Stroud Area Regional23
Sugarcreek0
Sugarloaf Township, Luzerne County0
Summerhill Township1
Summit Hill0
Summit Township0
Susquehanna0
Susquehanna Regional0
Susquehanna Township, Dauphin County17
Swatara Township10
Swissvale20
Swoyersville1
Sykesville0
Tamaqua6
Tarentum3
Tatamy1
Taylor9
Telford0
Terre Hill40
Throop1
Tiadaghton Valley Regional2
Tidioute0
Tinicum Township, Bucks County0
Tinicum Township, Delaware County8
Titusville0
Towamencin Township4
Towanda3
Tower City0
Trafford6
Trainer3
Tredyffrin Township4
Troy0
Tulpehocken Township0
Tunkhannock Township, Wyoming County0
Turtle Creek0
Tyrone2
Union City0
Uniontown11
Union Township, Lawerence County2
Upland10
Upper Burrell Township1
Upper Chichester Township23
Upper Darby Township140
Upper Dublin Township11
Upper Gwynedd Township3
Upper Leacock Township9
Upper Macungine Township9
Upper Makefield Township0
Upper Merion Township25
Upper Moreland Township9
Upper Nazareth Township0
Upper Perkiomen8
Upper Pottsgrove Township6
Upper Providence Township, Delaware County1
Upper Providence Township, Montgomery County9
Upper Saucon Township4
Upper Southampton Township4
Upper St. Clair Township3
Upper Uwchlan Township1
Upper Yoder Township0
Uwchlan Township5
Valley Township13
Vandergrift1
Vandling0
Vernon Township0
Vintondale0
Walker Township0
Walnutport0
Wampum0
Warminster Township14
Warren8
Warrington Township10
Warwick Township, Bucks County0
Washington, Washington County29
Washington Township, Fayette County0
Washington Township, Franklin County44
Washington Township, Northampton County1
Washington Township, Westmoreland County1
Watsontown1
Waynesboro43
Wayne Township, Lawrence County1
Wellsboro0
Wesleyville2
West Brandywine Township10
West Brownsville0
West Caln Township5
West Carroll Township1
West Chester21
West Cocalico Township3
West Conshohocken0
West Cornwall Township0
West Deer Township13
West Earl Township0
Western Berks Regional2
West Fallowfield Township0
West Goshen Township8
West Grove Borough2
West Hempfield Township5
West Hills Regional2
West Homestead0
West Kittanning0
West Lampeter Township3
West Lebanon Township1
West Leechburg0
West Mahanoy Township2
West Manchester Township12
West Manheim Township0
West Mead Township0
West Mifflin16
West Newton1
West Norriton Township9
West Nottingham Township1
West Pikeland Township1
West Pittston2
West Pottsgrove Township3
West Reading5
West Sadsbury Township0
West Salem Township4
Westtown-East Goshen Regional8
West View7
West Vincent Township0
West Whiteland Township11
West York7
Whitaker Borough2
Whitehall2
Whitehall Township42
Whitemarsh Township7
White Oak4
Whitpain Township2
Wiconisco Township0
Wilkes-Barre103
Wilkes-Barre Township10
Wilkins Township9
Williamsburg0
Williamsport28
Willistown Township1
Wilson5
Wind Gap4
Womelsdorf8
Woodward Township0
Wrightsville0
Wright Township4
Wyoming3
Wyomissing7
Yardley1
Yeadon32
York90
York Area Regional24
Youngsville0
Zelienople3
Zerbe Township0

Some of the numbers on this are zero! And yes, you read that right. In 2013, there were zero car thefts in some of the cities on this list.

– Road Dangers in Pennsylvania

Next, we’ll talk about some of the road dangers and different factors that affected fatality rates in Pennsylvania.

– Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1684097100315
Rain4916234092
Snow/Sleet15172025
Other54125026
Unknown332109158242625
TOTAL5691702974521,083

– Fatalities (All Crashes) by County

Fatalities (All Crashes) by CountyFatalities 20132014201520162017Fatalities
Per
100K
Population 2013
2014201520162017
Adams County56141554.955.9313.7714.754.89
Allegheny County65595472675.274.784.395.875.48
Armstrong County61414688.8420.7721.019.0712.19
Beaver County1310125177.655.917.122.9910.23
Bedford County12137111224.3226.4314.3522.6124.75
Berks County41333935489.97.969.398.4211.49
Blair County24132322919.0510.3618.4317.757.29
Bradford County1581610924.0112.932616.414.79
Bucks County44445652517.047.038.948.38.12
Butler County18251630179.7313.468.6116.119.09
Cambria County1113912127.939.466.628.939.02
Cameron County2120040.6920.7641.9700
Carbon County16101112924.7915.5617.2518.8914.09
Centre County12121520167.587.529.3412.349.84
Chester County33343524356.486.636.794.656.74
Clarion County12544730.7412.8710.310.3718.2
Clearfield County15142091618.4317.324.811.2520.08
Clinton County99106922.6122.8125.415.3923.08
Columbia County61114768.9316.3920.9910.589.1
Crawford County29148121033.1116.049.2313.8711.61
Cumberland County15251328266.2210.265.2811.2910.4
Dauphin County25171930369.216.246.9610.9413.06
Delaware County27262129254.814.623.735.144.43
Elk County87411325.4822.5112.9936.169.93
Erie County343031272712.1110.7411.159.779.83
Fayette County171828222312.6313.4321.0116.6217.49
Forest County5004266.370054.7527.41
Franklin County202625202013.1717.0516.3513.0212.97
Fulton County195276.8161.4934.213.6847.98
Greene County81265921.1831.8616.0713.4624.48
Huntingdon County141174530.4823.9815.348.7910.99
Indiana County1591721717.0110.2919.5724.638.24
Jefferson County85711317.8511.2415.8225.036.85
Juniata County65126224.5520.4649.2324.518.16
Lackawanna County231719202010.767.998.979.489.49
Lancaster County45624844428.4911.628.958.167.74
Lawrence County810111098.9511.2612.4611.4110.34
Lebanon County18819212213.265.8613.8115.1615.74
Lehigh County30373728288.4410.3310.267.717.64
Luzerne County393839322712.211.912.2610.18.51
Lycoming County1018231598.5815.4819.913.087.91
Mc Kean County15877335.118.8116.5716.867.26
Mercer County281413151024.3112.211.4313.318.95
Mifflin County9543719.310.758.626.4815.09
Monroe County252334291814.9213.7320.3817.4210.71
Montgomery County40383432434.924.664.163.95.21
Montour County125355.4410.8827.3816.4627.36
Northampton County18292829266.029.679.329.618.57
Northumberland County156916915.976.49.6817.39.78
Perry County971111819.6915.3223.9823.9217.34
Philadelphia County899794101945.716.25.996.415.95
Pike County8976414.2416.1212.610.877.18
Potter County3042217.2023.4911.8211.9
Schuylkill County232915142315.719.9810.429.7716.13
Snyder County479449.9417.3222.099.849.8
Somerset County11161281114.3520.9715.8810.6614.76
Sullivan County01214015.9832.0716.4265.69
Susquehanna County8101015918.8423.7323.9436.3721.96
Tioga County11105131126.0323.8512.0431.5326.97
Union County5732411.1715.576.594.48.97
Venango County5821169.2914.993.7820.9611.59
Warren County436479.767.3714.861017.65
Washington County292923222713.9413.9511.0710.6113.02
Wayne County611812611.5121.1615.4723.4211.72
Westmoreland County30354133368.319.7511.489.310.21
Wyoming County5842717.7928.4514.417.2725.62
York County444540393810.0210.229.058.798.52

– Traffic Fatalities Rural vs Urban

You might not think so, but more accidents happen in rural environments than in urban environments.

Pennsylvania Traffic Fatalities by Road Type2008200920102011201220132014201520162017
Urban640607631646613581585581541528
Rural828649693640697629610616647607
Total1,4681,2561,3241,2861,3101,2101,1951,2001,1881,137
Unknown0000000302

– Fatalities by Person Type

Did you also know that some vehicles are more likely to be in an accident than others?

Pennsylvania Traffic Deaths by Person Type20132014201520162017
Passenger Car516514478494463
Light Truck - Pickup97841128790
Light Truck - Utility140130144136136
Light Truck - Van4740483727
Light Truck - Other10220
Large Truck3128302632
Bus80312
Other/Unknown Occupants2026322021
Total Occupants860822849803771
Total Motorcyclists182185178191187
Pedestrian147161151170147
Bicyclist and Other Cyclist1119161622
Other/Unknown Nonoccupants1086810
Total Nonoccupants168188173194179
Total1,2101,1951,2001,1881,137

– Fatalities by Crash Type

Have you ever wondered what types of vehicles cause the most fatalities?

Crashes in Pennsylvania involving a roadway departure had the most fatalities in 2017.

Crash Type20132014201520162017
Total Fatalities (All Crashes)1,2101,1951,2001,1881,137
Single Vehicle680671678662620
Involving a Large Truck155162161165167
Involving Speeding552509540504468
Involving a Rollover272246250266213
Involving a Roadway Departure746711772669642
Involving an Intersection (or Intersection Related)224257241272252

– Ten Counties in Pennsylvania With the Most Traffic Fatalities

Don’t go anywhere! Below is a list of the top 10 counties where crashes have occurred for the last five years.

Ten Counties in Pennsylvania with the Most Traffic Fatalities20132014201520162017
Philadelphia County89979410194
Allegheny County6559547267
Bucks County4444565251
Berks County4133393548
Montgomery County4038343243
Lancaster County4562484442
York County4445403938
Dauphin County2517193036
Westmoreland County3035413336
Chester County3334352435

– Fatalities Involving Speeding by County

Fatalities in Crashes Involving SpeedingFatalities
2013
2014201520162017Fatalities
Per
100K
Population
2013
2014201520162017
Adams County237641.982.966.895.93.91
Allegheny County14211729171.131.71.382.361.39
Armstrong County3104144.4214.8361.516.09
Beaver County344371.772.362.371.84.21
Bedford County8325816.216.14.110.2816.5
Berks County21121520245.072.893.614.815.74
Blair County144129311.113.199.617.262.43
Bradford County6510439.68.0816.256.564.93
Bucks County14142222152.242.243.513.512.39
Butler County510712112.75.393.776.445.88
Cambria County875435.775.13.682.982.25
Cameron County2000040.690000
Carbon County686529.312.459.417.873.13
Centre County855685.053.133.113.74.92
Chester County19162113133.733.124.082.522.5
Clarion County8313420.497.722.587.7810.4
Clearfield County7775118.68.658.686.2513.8
Clinton County337257.547.617.785.1312.82
Columbia County378334.4610.43124.544.55
Crawford County161005318.2711.4605.783.48
Cumberland County714810112.95.753.254.034.4
Dauphin County1171014194.052.573.665.116.89
Delaware County1810109113.211.781.771.61.95
Elk County241926.3712.863.2529.586.62
Erie County15141610125.345.015.753.624.37
Fayette County11111615158.178.211211.3311.41
Forest County5000166.3700013.7
Franklin County81077115.276.564.584.567.13
Fulton County170146.8147.8206.8427.42
Greene County4745610.5918.5910.7113.4616.32
Huntingdon County7664215.2413.0813.158.794.4
Indiana County3391333.43.4310.3615.253.53
Jefferson County423228.934.56.784.554.57
Juniata County3425112.2716.378.220.434.08
Lackawanna County8781173.743.293.785.223.32
Lancaster County21222419133.964.124.473.522.39
Lawrence County327543.362.257.935.714.59
Lebanon County1208878.8405.825.775.01
Lehigh County1610188104.52.794.992.22.73
Luzerne County18171810125.635.335.663.163.78
Lycoming County6910555.157.748.654.364.39
Mc Kean County355437.0211.7611.849.637.26
Mercer County16634413.895.232.643.553.58
Mifflin County301026.4302.1504.31
Monroe County18171713710.7410.1510.197.814.17
Montgomery County18151311152.211.841.591.341.82
Montour County101225.4405.4810.9710.95
Northampton County71271262.3442.333.981.98
Northumberland County413834.261.073.238.653.26
Perry County238234.386.5717.444.356.5
Philadelphia County21343222291.352.172.041.41.83
Pike County247403.567.1612.67.250
Potter County2020111.47011.7405.95
Schuylkill County10107786.836.894.864.885.61
Snyder County236134.977.4214.732.467.35
Somerset County748769.135.2410.599.328.05
Sullivan County001010016.03016.42
Susquehanna County6763614.1316.6114.377.2714.64
Tioga County7407416.569.54016.989.81
Union County211134.472.222.22.26.73
Venango County400617.430011.441.93
Warren County112332.442.464.957.57.56
Washington County13161412146.257.76.745.796.75
Wayne County4631117.6711.545.821.471.95
Westmoreland County22151918216.14.185.325.075.96
Wyoming County3521510.6817.787.23.6418.3
York County21222718114.784.996.114.062.47

– Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

Sadly, drinking and driving is also a major cause of car accidents that result in death.

Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+)Fatalities
2013
2014201520162017Fatalities
Per
100K
Population
2013
2014201520162017
Adams County324232.971.983.941.972.93
Allegheny County21221623231.71.781.31.871.88
Armstrong County567137.378.910.51.514.57
Beaver County330241.771.7701.22.41
Bedford County322226.084.074.14.114.13
Berks County1361313113.141.453.133.132.63
Blair County937737.142.395.615.652.43
Bradford County346134.86.469.751.644.93
Bucks County11121417161.761.922.242.712.55
Butler County184670.544.312.153.223.74
Cambria County574253.65.12.941.493.76
Cameron County1100020.3520.76000
Carbon County444226.26.226.273.153.13
Centre County325411.91.253.112.470.61
Chester County1411147172.752.142.721.363.27
Clarion County5220112.815.155.1502.6
Clearfield County247142.464.948.681.255.02
Clinton County133022.517.67.6205.13
Columbia County235102.984.477.51.510
Crawford County12526313.75.732.316.943.48
Cumberland County373871.242.871.223.232.8
Dauphin County6361182.211.12.24.012.9
Delaware County666781.071.071.061.241.42
Elk County4405212.7412.86016.436.62
Erie County1087693.562.862.522.173.28
Fayette County757675.23.735.254.535.32
Forest County1001113.270013.6913.7
Franklin County244321.322.622.621.951.3
Fulton County03202020.513.68013.71
Greene County05311013.288.042.692.72
Huntingdon County332216.536.544.384.42.2
Indiana County3361313.43.436.9115.251.18
Jefferson County0232004.56.784.550
Juniata County003210012.318.174.08
Lackawanna County675952.813.292.364.272.37
Lancaster County1816151473.432.82.61.29
Lawrence County223322.242.253.43.422.3
Lebanon County711475.160.730.732.895.01
Lehigh County77131151.971.953.613.031.36
Luzerne County112018883.446.275.662.532.52
Lycoming County496443.437.745.193.493.51
Mc Kean County5432111.79.417.14.822.42
Mercer County553444.344.362.643.553.58
Mifflin County100032.140006.47
Monroe County11881146.564.774.86.612.38
Montgomery County111347151.351.590.490.851.82
Montour County0120105.4410.9505.47
Northampton County7681452.3422.664.641.65
Northumberland County103421.0603.234.332.17
Perry County7131415.322.196.542.178.67
Philadelphia County21263123221.351.661.971.461.39
Pike County08411014.337.21.811.8
Potter County100025.7300011.9
Schuylkill County254251.373.442.781.43.51
Snyder County205014.97012.2702.45
Somerset County644257.825.245.292.666.71
Sullivan County002000032.0700
Susquehanna County353737.0711.877.1816.977.32
Tioga County231424.737.152.419.74.9
Union County120012.234.45002.24
Venango County210313.711.8705.721.93
Warren County100022.440005.04
Washington County8119973.855.294.334.343.38
Wayne County312715.751.923.8713.661.95
Westmoreland County1781612114.712.234.483.383.12
Wyoming County232027.1210.677.207.32
York County15101612123.422.273.622.72.69

– Teen Drinking and Driving

Pennsylvania ranks 19th in the United States for underage drinking and driving.

Number of Under 18 DWI Arrests:Total Per One Million People (DUI Under 18 Arrests):Rank
365136.4619

– EMS Response Time

The amount of time it takes for an EMS responder to show up at the scene of an accident is a vital factor – especially when someone’s life hangs in the balance.

Obviously, it’s going to take more time to get to someone who lives out in a rural area, than it would be to get to someone in a city.

Look at the EMS response times for your city on this list below:

LocationTime of Crash to EMS NotificatioEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatal Crashes
Rural5.7210.8641.5551.94592
Urban2.696.8528.5536.28496

– Transportation

Have you ever wondered how many cars are on the road in your state?

– Car Ownership in Pennsylvania

Below is a chart showing the number of cars owned per family in the state in Pennsylvania in 2016.

Pennsylvania Car Ownership

– Commute Time

We already know the amount of distance you drive each day affects your insurance rate. But, what is the average travel time drivers spend each day in Pennsylvania?

Pennsylvania Commute Time

According to the above chart, employees in Pennsylvania have a longer commute time (25.6 minutes) than the normal US worker (25.3 minutes). Additionally, 2.94 percent of the workforce in Pennsylvania have “super commutes” in excess of 90 minutes.

– Commuter Transportation

This chart illustrates that in 2016, the most common method of travel for workers in Pennsylvania was to drive alone. Carpooling and public transportation were not as popular.

Pennsylvania Commuter Transportation

– Traffic Congestion in Pennsylvania

According to Inrix, Pittsburgh and Philadelphia are two of the most traffic-congested cities in the United States.

CityHours Lost In CongestionCost of Congestions (Per Driver)Rank (in the U.S.)
Pittsburgh, PA127$1,7767th
Philadelphia, PA112$1,5689th

In fact, Pittsburgh ranks 7th on the list for most congested cities in the U.S. and Philadelphia ranks 9th.

Now that you have a good understanding about Pennsylvania car insurance companies, types of car insurance, and reasons to have great coverage, start shopping and comparing car insurance rates and use our free tool by entering your zip code here.

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