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UPDATED: Apr 2, 2020
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|Pennsylvania Statistics Summary|
|Road Miles||Total in State: 120,039|
Vehicle Miles Driven: 99,882 Million
|Most Popular Vehicle||CR-V|
|Total Driving Related Deaths (2017)||1137|
|Speeding Related Fatalities (2017||468|
|DUI Related Fatalities (2017)||314|
|Average Premiums (Annual)||Liability: $495.02|
|Percentage of Motorists Uninsured||7.6%|
State Rank: 43rd
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.
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 in Pennsylvania 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)|
|Insurance as %|
of Income 2014
|Insurance as %|
of Income 2013
|Insurance as %|
of Income 2012
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).
Core Car Insurance Coverage in Pennsylvania
|Pennsylvania Car Insurance Type||Annual Costs in 2015|
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 Ratio||2012||2013||2014|
|Medical Payments (MedPay)||98.02%||236.43%||11.97%|
|Personal Injury Protection||73.99%||73.47%||69.95%|
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.
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.
- Guaranteed Auto Protection (GAP)
- Personal Umbrella Policy (PUP)
- Rental Reimbursement
- Emergency Roadside Assistance
- Mechanical Breakdown Insurance
- Non-Owner Car Insurance
- Modified Car Insurance Coverage
- Classic Car Insurance
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.
|Company||Married 35-year old female||Married 35-year old male||Married 60-year old female||Married 60-year old male||Single 17-year old female||Single 17-year old male||Single 25-year old female||Single 25-year old male|
|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|
|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|
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 Pennsylvania||City||Average by Zip Code||Most Expensive Company||Most Expensive Rate||2nd Most Expensive Company||2nd Most Expensive Rate||Cheapest Company||Cheapest Rate||2nd Cheapest Company||2nd Cheapest Rate|
|19132||PHILADELPHIA||$8,485.99||Travelers||$16,434.31||Liberty Mutual||$14,953.09||USAA||$2,979.83||State Farm||$5,345.97|
|19112||PHILADELPHIA||$8,120.94||Travelers||$15,996.78||Liberty Mutual||$14,953.09||USAA||$3,040.28||State Farm||$4,159.60|
|19141||PHILADELPHIA||$7,951.26||Travelers||$15,628.00||Liberty Mutual||$11,848.69||USAA||$3,168.09||State Farm||$5,393.39|
|19126||PHILADELPHIA||$7,875.75||Travelers||$15,023.64||Liberty Mutual||$11,848.69||USAA||$3,132.85||State Farm||$4,926.72|
|19145||PHILADELPHIA||$7,875.23||Travelers||$15,797.70||Liberty Mutual||$13,185.12||USAA||$3,040.28||State Farm||$4,614.78|
|19138||PHILADELPHIA||$7,813.73||Travelers||$15,422.93||Liberty Mutual||$11,848.69||USAA||$3,018.01||State Farm||$4,962.95|
|19134||PHILADELPHIA||$7,792.20||Travelers||$15,369.32||Liberty Mutual||$13,185.12||USAA||$3,130.55||State Farm||$5,003.80|
|19131||PHILADELPHIA||$7,711.11||Travelers||$15,520.29||Liberty Mutual||$11,848.69||USAA||$2,979.83||State Farm||$5,173.58|
Philadelphia has the most expensive zip codes.
|25 Least Expensive Zip Codes in Pennsylvania||City||Average by Zip Codes||Most Expensive Company||Most Expensive Rate||2nd Most Expensive Company||2nd Most Expensive Rate||Cheapest Company||Cheapest Rate||2nd Cheapest Company||2nd Cheapest Rate|
|16801||STATE COLLEGE||$3,156.82||Travelers||$6,027.64||Liberty Mutual||$4,826.44||USAA||$1,384.72||GEICO||$1,816.07|
|16803||STATE COLLEGE||$3,205.35||Travelers||$6,206.11||Liberty Mutual||$4,826.44||USAA||$1,384.72||GEICO||$1,816.07|
|16828||CENTRE HALL||$3,207.80||Travelers||$5,600.96||Liberty Mutual||$4,826.44||USAA||$1,384.72||State Farm||$1,979.70|
|16802||UNIVERSITY PARK||$3,211.08||Travelers||$6,155.13||Liberty Mutual||$4,826.44||USAA||$1,384.72||GEICO||$1,816.07|
|16870||PORT MATILDA||$3,212.75||Travelers||$5,804.33||Liberty Mutual||$5,301.56||USAA||$1,385.22||GEICO||$1,816.07|
|17065||MOUNT HOLLY SPRINGS||$3,237.78||Travelers||$6,004.88||Liberty Mutual||$4,801.54||USAA||$1,561.08||GEICO||$1,897.92|
|16826||BLANCHARD||$3,242.81||Travelers||$5,623.33||Liberty Mutual||$5,301.56||USAA||$1,385.22||State Farm||$2,062.44|
|17887||WHITE DEER||$3,263.23||Travelers||$6,414.92||Liberty Mutual||$4,835.16||USAA||$1,467.86||State Farm||$2,038.07|
|17266||WALNUT BOTTOM||$3,264.01||Travelers||$6,163.01||Liberty Mutual||$4,801.54||USAA||$1,561.11||GEICO||$1,897.92|
|17343||MC KNIGHTSTOWN||$3,275.41||Travelers||$5,709.54||Liberty Mutual||$4,835.16||USAA||$1,540.87||GEICO||$2,153.91|
|17007||BOILING SPRINGS||$3,282.20||Travelers||$6,303.42||Liberty Mutual||$4,801.54||USAA||$1,561.08||GEICO||$1,897.92|
|16875||SPRING MILLS||$3,298.88||Travelers||$5,708.01||Liberty Mutual||$5,301.56||USAA||$1,384.72||State Farm||$2,096.21|
Cheapest Pennsylvania Car Insurance Rates by City
|10 Least Expensive Cities in Pennsylvania||Average by City||Most Expensive Company||Most Expensive Rate||2nd Most Expensive Company||2nd Most Expensive Rate||Cheapest Company||Cheapest Rate||2nd Cheapest Company||2nd Cheapest Rate|
|Park Forest Village||$3,205.35||Travelers||$6,206.11||Liberty Mutual||$4,826.44||USAA||$1,384.72||GEICO||$1,816.07|
|Centre Hall||$3,207.80||Travelers||$5,600.96||Liberty Mutual||$4,826.44||USAA||$1,384.72||State Farm||$1,979.70|
|University Park||$3,211.08||Travelers||$6,155.13||Liberty Mutual||$4,826.44||USAA||$1,384.72||GEICO||$1,816.07|
|Port Matilda||$3,212.75||Travelers||$5,804.33||Liberty Mutual||$5,301.56||USAA||$1,385.22||GEICO||$1,816.07|
|Mount Holly Springs||$3,237.78||Travelers||$6,004.88||Liberty Mutual||$4,801.54||USAA||$1,561.08||GEICO||$1,897.92|
What about the most expensive cities for car insurance rates?
|10 Most Expensive Cities in Pennsylvania||Average by City||Most Expensive Company||Most Expensive Rate||2nd Most Expensive Company||2nd Most Expensive Rate||Cheapest Company||Cheapest Rate||2nd Cheapest Company||2nd Cheapest Rate|
|Sharon Hill||$6,392.50||Travelers||$13,460.15||Liberty Mutual||$8,630.14||USAA||$2,363.32||Nationwide||$4,102.98|
|East Lansdowne||$6,347.36||Travelers||$12,468.46||Liberty Mutual||$8,630.14||USAA||$2,511.37||Nationwide||$4,210.51|
|Elkins Park||$5,727.39||Travelers||$12,174.44||Liberty Mutual||$7,629.84||USAA||$2,154.94||Nationwide||$3,745.21|
|Glenolden||$5,720.42||Travelers||$12,887.96||Liberty Mutual||$8,630.14||USAA||$2,395.86||State 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
|Company||AM Rating||Direct Premiums Written||Market Share||Loss Ratio|
|State Farm Group||A++||$1,779,915||20.35%||63.70%|
|Erie Insurance Group||A+||$1,153,856||13.19%||64.93%|
|Allstate Insurance Group||A+||$998,919||11.42%||55.64%|
|Nationwide Corp Group||A+||$786,109||8.99%||59.96%|
|Liberty Mutual Group||A||$424,106||4.85%||61.06%|
|Farmers Insurance Group||NR||$192,162||2.20%||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.
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.
|State Farm Group||1||0.44||1482|
|Erie Insurance Group||1||0.7||22|
|Allstate Insurance Group||1||0.5||163|
|Nationwide Corp Group||1||0.28||25|
|Liberty Mutual Group||1||5.95||222|
|Farmers Insurance Group||1||0.59||7|
Cheapest Companies in Pennsylvania
|First Liberty Ins Corp||$6,055.19|
|State Farm Mutual Auto||$2,744.22|
|Travelers Home & Marine Ins Co||$7,842.47|
Commute Rates by Companies
How many miles you drive a year on average can affect your insurance rate.
|Group||Commute and Annual Mileage||Annual Average|
|Travelers||10 miles commute. 6000 annual mileage.||$7,842.47|
|Travelers||25 miles commute. 12000 annual mileage.||$7,842.47|
|Liberty Mutual||25 miles commute. 12000 annual mileage.||$6,210.14|
|Liberty Mutual||10 miles commute. 6000 annual mileage.||$5,900.24|
|Progressive||10 miles commute. 6000 annual mileage.||$4,451.00|
|Progressive||25 miles commute. 12000 annual mileage.||$4,451.00|
|Allstate||25 miles commute. 12000 annual mileage.||$4,064.08|
|Allstate||10 miles commute. 6000 annual mileage.||$3,904.16|
|State Farm||25 miles commute. 12000 annual mileage.||$2,826.63|
|Nationwide||10 miles commute. 6000 annual mileage.||$2,800.37|
|Nationwide||25 miles commute. 12000 annual mileage.||$2,800.37|
|State Farm||10 miles commute. 6000 annual mileage.||$2,661.82|
|Geico||25 miles commute. 12000 annual mileage.||$2,647.62|
|Geico||10 miles commute. 6000 annual mileage.||$2,562.81|
|USAA||25 miles commute. 12000 annual mileage.||$1,844.59|
|USAA||10 miles commute. 6000 annual mileage.||$1,742.14|
Coverage Level Rates by Companies
|Group||Coverage Type||Annual Average|
Credit History Rates by Companies
Did you know your credit history can also affect your rate?
|Group||Credit History||Annual Average|
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
|Group||Driving Record||Annual Average|
|Travelers||With 1 DUI||$9,974.88|
|Travelers||With 1 accident||$7,914.42|
|Travelers||With 1 speeding violation||$7,914.42|
|Liberty Mutual||With 1 accident||$6,328.15|
|Liberty Mutual||With 1 DUI||$6,183.64|
|Liberty Mutual||With 1 speeding violation||$6,183.64|
|Progressive||With 1 accident||$5,570.34|
|Liberty Mutual||Clean record||$5,525.34|
|Allstate||With 1 accident||$4,497.16|
|Progressive||With 1 DUI||$4,153.94|
|Progressive||With 1 speeding violation||$4,045.00|
|Allstate||With 1 DUI||$3,813.11|
|Allstate||With 1 speeding violation||$3,813.11|
|Nationwide||With 1 DUI||$3,769.26|
|Geico||With 1 accident||$3,282.78|
|State Farm||With 1 accident||$2,976.14|
|State Farm||With 1 DUI||$2,744.22|
|State Farm||With 1 speeding violation||$2,744.22|
|Nationwide||With 1 speeding violation||$2,707.29|
|Nationwide||With 1 accident||$2,703.02|
|Geico||With 1 speeding violation||$2,653.35|
|Geico||With 1 DUI||$2,568.60|
|State Farm||Clean record||$2,512.31|
|USAA||With 1 DUI||$2,126.01|
|USAA||With 1 accident||$1,992.43|
|USAA||With 1 speeding violation||$1,612.21|
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 Insurance||Number|
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 Pennsylvania||Details|
|Mandatory Holding Period||6 Months|
|Minimum Supervised Driving TIme||65 hours, 10 of which must be at night and 5 of which must be in inclement weather|
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 Pennsylvania||Time/Age|
|Nighttime Restrictions||11 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 lifted||Time/Age|
|Nighttime restrictions||12 months and age 17 if completed driver education or age 18 (min. age: 17)|
|Passenger restrictions||12 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 Pennsylvania||Details|
|Effective Since||November 23rd, 1987|
|Primary Enforcement||no (yes for children <18 years)|
|Age/Seats Applicable||18+ years in front seat|
|1st Offense Max Fine||$10|
Here are some Pennsylvania car seat laws.
|Type of Car Seat Required||Age|
|Rear-Facing Child Restraint||younger than 2 years in a rear facing child restraint until a child outgrows the manufacturer’s top height or weight recommendations|
|Forward-Facing Child Restraint||2 through 3 years in a forward-facing child safety seat|
|Child Booster Seat||4 through 7 years in a booster seat|
|Adult Belt Permissible||8 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 Roadway||Speed Limit|
|Rural Interstates||70 mph|
|Urban Interstates||70 mph|
|Other Limited Access Roads||70 mph|
|Other Roads||55 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.
- Liberty Mutual
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.
Pennsylvania has strict laws against drunk driving. In fact, there were over 300 total alcohol-impaired driving fatalities in 2017.
|DUI Law in Pennsylvania||Details/Penalties|
|Name for Offense||Driving after Imbibing (DAI)|
|High BAC Limit||0.16|
|Criminal Status||1st-2nd misdemeanors, 3rd+ second degree misdemeanors|
|Look Back Period||10 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 Pennsylvania||1st Offense||2nd Offense||3rd Offense||4th Offense|
|License Revoked||No minimum||1 year||1 year||same as 3rd|
|Jail Time||No minimum, but up to 6 months probation||5 days - 6 months||10 days to 2 years||same as 3rd|
|Fine||$300||$300-$2500||$500-$5000||same as 3rd|
|Other||alcohol hwy safety school, treatment when ordered||1 year IID, alcohol HWY safety school, treatment when ordered||1 year IID, treatment when ordered||same 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/Model||Year of Vehicle||Total Thefts|
|Ford Pickup (Full Size)||2006||303|
|Chevrolet Pickup (Full Size)||2003||203|
|Jeep Cherokee/Grand Cherokee||1999||188|
Could your city be on this list below? Below is the FBI’s list for the worst cities for vehicle theft in Pennsylvania.
|Abington Township, Lackawanna County||0|
|Abington Township, Montgomery County||25|
|Adams Township, Butler County||1|
|Adams Township, Cambria County||0|
|Allegheny Township, Blair County||3|
|Allegheny Township, Westmoreland County||0|
|Ben Avon Heights||0|
|Bethel Township, Armstrong County||0|
|Bethel Township, Berks County||1|
|Bethel Township, Delaware County||1|
|Brecknock Township, Berks County||1|
|Briar Creek Township||2|
|Buffalo Valley Regional||0|
|Butler Township, Butler County||8|
|Butler Township, Luzerne County||1|
|Butler Township, Schuylkill County||1|
|Caernarvon Township, Berks County||4|
|Carroll Township, Washington County||2|
|Carroll Township, York County||2|
|Central Berks Regional||10|
|Conemaugh Township, Cambria County||1|
|Conemaugh Township, Somerset County||0|
|Conewago Township, Adams County||1|
|Conneaut Lake Regional||2|
|Conyngham Township, Columbia County||0|
|Cumberland Township, Adams County||4|
|Cumberland Township, Greene County||8|
|Derry Township, Dauphin County||7|
|Douglass Township, Berks County||1|
|Douglass Township, Montgomery County||8|
|East Bethlehem Township||1|
|East Brandywine Township||4|
|East Cocalico Township||11|
|East Coventry Township||0|
|East Deer Township||1|
|East Earl Township4||4|
|Eastern Adams Regional||1|
|Eastern Pike Regional||3|
|East Fallowfield Township||5|
|East Hempfield Township||11|
|East Lampeter Township||11|
|East Marlborough Township||0|
|East Norriton Township||5|
|East Norwegian Township4||1|
|East Penn Township||0|
|East Pikeland Township||1|
|East Taylor Township||0|
|East Union Township||0|
|East Vincent Township||1|
|East Whiteland Township||1|
|Exeter Township, Berks County||9|
|Fairview Township, Luzerne County||0|
|Fairview Township, York County||7|
|Falls Township, Bucks County||46|
|Foster Township, McKean County||0|
|Foster Township, Schuylkill County||0|
|Franklin Township, Carbon County||0|
|Greenfield Township, Blair County||2|
|Hanover Township, Luzerne County||19|
|Heidelberg Township, Berks County||0|
|Hempfield Township, Mercer County||6|
|Independence Township, Beaver County||5|
|Independence Township, Washington County||2|
|Jackson Township, Butler County||0|
|Jackson Township, Cambria County||1|
|Jefferson Hills Borough||3|
|Jefferson Township, Lackawanna County||3|
|Jefferson Township, Mercer County||1|
|Jefferson Township, Washington County||0|
|Lancaster Township, Butler County||0|
|Lancaster Township, Lancaster County||22|
|Lawrence Park Township||0|
|Lawrence Township, Clearfield County||4|
|Lawrence Township, Tioga County||1|
|Lehigh Township, Northampton County||6|
|Little Beaver Township||0|
|Lower Allen Township||6|
|Lower Chichester Township||6|
|Lower Frederick Township||0|
|Lower Gwynedd Township||5|
|Lower Heidelberg Township||0|
|Lower Mahanoy Township||0|
|Lower Makefield Township||20|
|Lower Merion Township||35|
|Lower Milford Township||0|
|Lower Moreland Township||3|
|Lower Paxton Township||21|
|Lower Pottsgrove Township||11|
|Lower Providence Township||6|
|Lower Salford Township||1|
|Lower Saucon Township||2|
|Lower Southampton Township||11|
|Lower Swatara Township||4|
|Lower Windsor Township||10|
|Mahoning Township, Lawrence County||1|
|Manor Township, Armstrong County||0|
|Manor Township, Lancaster County||8|
|Marion Township, Beaver County||0|
|Marion Township, Berks County||1|
|Middlesex Township, Butler County||0|
|Middlesex Township, Cumberland County||13|
|Mifflin County Regional||6|
|Millcreek Township, Lebanon County||0|
|Mount Carmel Township||3|
|Mount Gretna Borough||0|
|Mount Holly Springs||0|
|Mount Pleasant Township||0|
|Nether Providence Township||5|
|New Britain Township||2|
|New Castle Township||0|
|New Garden Township||9|
|New Hanover Township||2|
|New Sewickley Township||4|
|Newtown Township, Bucks County||3|
|Newtown Township, Delaware County||5|
|North Annville Township||0|
|North Belle Vernon||2|
|North Cornwall Township||4|
|North Coventry Township||5|
|Northern Berks Regional||8|
|Northern Cambria Borough||3|
|Northern Lancaster County Regional||11|
|Northern York Regional||24|
|North Franklin Township||9|
|North Hopewell Township||2|
|North Huntingdon Township||13|
|North Lebanon Township||4|
|North Londonderry Township||0|
|North Middleton Township||2|
|North Sewickley Township||4|
|North Strabane Township||4|
|North Union Township||0|
|North Versailles Township||2|
|Northwest Lancaster County Regional||2|
|Old Lycoming Township||4|
|Penn Township, Butler County||2|
|Penn Township, Perry County||1|
|Penn Township, Westmoreland County||4|
|Penn Township, York County||4|
|Pine Creek Township||0|
|Plymouth Township, Montgomery County||25|
|Pocono Mountain Regional||21|
|Pulaski Township, Lawrence County||3|
|Richland Township, Bucks County||6|
|Richland Township, Cambria County||10|
|Roaring Brook Township||1|
|Robinson Township, Allegheny County||6|
|Robinson Township, Washington County||1|
|Sadsbury Township, Chester County||2|
|Salem Township, Luzerne County||1|
|Schuylkill Township, Chester County||0|
|Scott Township, Allegheny County||4|
|Silver Lake Township||1|
|Silver Spring Township4||0|
|South Abington Township||3|
|South Buffalo Township||2|
|South Centre Township||0|
|South Connellsville Borough||0|
|Southern Regional, Lancaster County||0|
|Southern Regional, York County||2|
|South Fayette Township||4|
|South Heidelberg Township||2|
|South Lebanon Township||0|
|South Londonderry Township||0|
|South Park Township||2|
|South Pymatuning Township||1|
|South Strabane Township||7|
|Southwest Regional, Fayette County||0|
|Southwest Regional, Washington County||0|
|South Whitehall Township||13|
|Springfield Township, Delaware County||27|
|Springfield Township, Montgomery County||7|
|Spring Garden Township||11|
|Spring Township, Berks County||8|
|Spring Township, Centre County||0|
|St. Clair Boro||0|
|St. Marys City||3|
|Stroud Area Regional||23|
|Sugarloaf Township, Luzerne County||0|
|Susquehanna Township, Dauphin County||17|
|Tiadaghton Valley Regional||2|
|Tinicum Township, Bucks County||0|
|Tinicum Township, Delaware County||8|
|Tunkhannock Township, Wyoming County||0|
|Union Township, Lawerence County||2|
|Upper Burrell Township||1|
|Upper Chichester Township||23|
|Upper Darby Township||140|
|Upper Dublin Township||11|
|Upper Gwynedd Township||3|
|Upper Leacock Township||9|
|Upper Macungine Township||9|
|Upper Makefield Township||0|
|Upper Merion Township||25|
|Upper Moreland Township||9|
|Upper Nazareth Township||0|
|Upper Pottsgrove Township||6|
|Upper Providence Township, Delaware County||1|
|Upper Providence Township, Montgomery County||9|
|Upper Saucon Township||4|
|Upper Southampton Township||4|
|Upper St. Clair Township||3|
|Upper Uwchlan Township||1|
|Upper Yoder Township||0|
|Warwick Township, Bucks County||0|
|Washington, Washington County||29|
|Washington Township, Fayette County||0|
|Washington Township, Franklin County4||4|
|Washington Township, Northampton County||1|
|Washington Township, Westmoreland County||1|
|Wayne Township, Lawrence County||1|
|West Brandywine Township||10|
|West Caln Township||5|
|West Carroll Township||1|
|West Cocalico Township||3|
|West Cornwall Township||0|
|West Deer Township||13|
|West Earl Township||0|
|Western Berks Regional||2|
|West Fallowfield Township||0|
|West Goshen Township||8|
|West Grove Borough||2|
|West Hempfield Township||5|
|West Hills Regional||2|
|West Lampeter Township||3|
|West Lebanon Township||1|
|West Mahanoy Township||2|
|West Manchester Township||12|
|West Manheim Township||0|
|West Mead Township||0|
|West Norriton Township||9|
|West Nottingham Township||1|
|West Pikeland Township||1|
|West Pottsgrove Township||3|
|West Sadsbury Township||0|
|West Salem Township||4|
|Westtown-East Goshen Regional||8|
|West Vincent Township||0|
|West Whiteland Township||11|
|York Area Regional||24|
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 Condition||Daylight||Dark, but Lighted||Dark||Dawn or Dusk||Other / Unknown||Total|
Fatalities (All Crashes) by County
|Fatalities (All Crashes) by County||Fatalities 2013||2014||2015||2016||2017||Fatalities |
|Mc Kean County||15||8||7||7||3||35.1||18.81||16.57||16.86||7.26|
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 Type||2008||2009||2010||2011||2012||2013||2014||2015||2016||2017|
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 Type||2013||2014||2015||2016||2017|
|Light Truck - Pickup||97||84||112||87||90|
|Light Truck - Utility||140||130||144||136||136|
|Light Truck - Van||47||40||48||37||27|
|Light Truck - Other||1||0||2||2||0|
|Bicyclist and Other Cyclist||11||19||16||16||22|
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.
|Total Fatalities (All Crashes)||1,210||1,195||1,200||1,188||1,137|
|Involving a Large Truck||155||162||161||165||167|
|Involving a Rollover||272||246||250||266||213|
|Involving a Roadway Departure||746||711||772||669||642|
|Involving an Intersection (or Intersection Related)||224||257||241||272||252|
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 Fatalities||2013||2014||2015||2016||2017|
Fatalities Involving Speeding by County
|Fatalities in Crashes Involving Speeding||Fatalities|
|Mc Kean County||3||5||5||4||3||7.02||11.76||11.84||9.63||7.26|
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|
|Mc Kean County||5||4||3||2||1||11.7||9.41||7.1||4.82||2.42|
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|
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:
|Location||Time of Crash to EMS Notificatio||EMS Notification to EMS Arrival||EMS Arrival at Scene to Hospital Arrival||Time of Crash to Hospital Arrival||Total Fatal Crashes|
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.
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?
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.
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.
Traffic Congestion in Pennsylvania
According to Inrix, Pittsburgh and Philadelphia are two of the most traffic-congested cities in the United States.
|City||Hours Lost In Congestion||Cost of Congestions (Per Driver)||Rank (in the U.S.)|
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.