What insurance do I need in Pennsylvania?

State minimum auto coverage for Pennsylvania: 15/30/5. For homeowners, coverage requirements depend on your mortgage lender, but most require dwelling and liability coverage. We recommend carrying higher limits than the minimum for better protection.

How much does car insurance cost in Pennsylvania?

In 2023, the average Pennsylvania driver spent $1,155 per insured vehicle on liability, collision and comprehensive coverage (NAIC Auto Insurance Database Report, 2023 data). Your actual rate depends on your age, driving record, vehicle, location within Pennsylvania, and coverage levels.

How can I find affordable insurance in Pennsylvania?

Compare quotes from multiple carriers using Truvo — it's free and takes 2 minutes. Bundling car and home insurance often saves up to 25%. You can also save with a clean driving record, higher deductibles, and multi-policy discounts.

What factors affect insurance rates in Pennsylvania?

Key factors include your ZIP code within Pennsylvania, driving record, age, credit score, vehicle and home details, coverage level, and claims history. Pennsylvania is a choice no-fault state. Winter weather and flooding are key home insurance considerations.

Insurance in Pennsylvania

Compare car and home insurance rates from 50+ carriers in Pennsylvania. Average auto spend per vehicle: $1,155/year. Minimum auto coverage: 15/30/5.

Pennsylvania is a choice no-fault state. Winter weather and flooding are key home insurance considerations.

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$1,155

Avg. Auto Spend/Vehicle (2023)

15/30/5

Auto Minimum Coverage

50+

Carriers Compared

2 min

Quote Time

Pennsylvania Insurance FAQ

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