Pennsylvania car insurance is a requirement for anyone who operates a motor vehicle in the state. Motorists must buy auto insurance policies that provide adequate coverage to meet the minimum requirements in Pennsylvania. Getting car insurance protects a driver and other motorists on the road from financial hardship in the event of a collision. Some auto insurance policies also cover services that help drivers in the event that they become stranded or need roadside assistance, such as restarting a dead battery. Car insurance prices reflect the amount of coverage a PA motorist has on his or her vehicle and the number of additional services that insurance covers. Many cheap auto insurance policies are available to choose from. Finding the best car insurance in Pennsylvania requires drivers to compare auto insurance quotes and consider everything each insurance policy offers. Auto insurance rates vary based on a motorist’s driving history and demographic information. In the sections below, discover what the PA vehicle insurance requirements are, why insurance is necessary and how to get car insurance at the most affordable rate.
Why You Must Get Car Insurance in Pennsylvania
PA auto insurance is required for a number of reasons. First, getting vehicle insurance is a requirement by law. It is illegal to operate a vehicle in Pennsylvania without adequate insurance coverage. Whenever you visit the Department of Motor Vehicles (DMV) or get stopped by a police officer, you will need to provide proof of financial responsibility, more commonly known as insurance. Failing to show proof of car insurance in Pennsylvania may result in fines and even more serious penalties, such as a drivers license suspension or having to surrender your license plates.
Second, buying auto insurance protects you from paying expensive bills in the event of a collision. While your PA car insurance policy may not cover every expense, it will prevent you from paying for most repairs, medical expenses and property damage after a crash. A full coverage car insurance policy may even cover the cost to replace your vehicle if it is deemed a total loss.
Pennsylvania Car Insurance Minimum Requirements
Whether you want a discount auto insurance policy or a full-coverage car insurance plan, your policy must meet the minimum requirements in Pennsylvania. The state of Pennsylvania requires that your vehicle insurance policy includes medical benefits, property damage liability and bodily injury liability coverage. Your policy must cover a minimum of $5,000 in medical expenses and $5,000 in property damage liability. Your Pennsylvania car insurance policy must also cover at least $15,000 in bodily injury liability of one person with a total of $30,000 for an accident overall. If you are wondering, “What is the cheapest car insurance in PA?” then you may want to choose a plan that offers only these basic requirements, as such plans are typically the most affordable.
You may also choose optional car insurance coverages for a more comprehensive insurance plan in Pennsylvania. You may get auto insurance that covers extra costs that may arise from a traffic incident. Optional coverages include income loss, funeral benefits, towing coverage, collision repair and uninsured motorist coverage, which helps if you are injured by a driver without insurance. The Pennsylvania auto insurance company you select may offer additional options to choose from.
Whether you choose the cheapest auto insurance or a more comprehensive plan in Pennsylvania, your car insurance cost will depend on which types of coverage you elect to have.
Pennsylvania Auto Insurance Requirements for Ride Sharing
It is important to understand that there are additional vehicle insurance requirements in Pennsylvania if you drive for a Transportation Network Company (TNC), such as Uber or Lyft. Keeping car insurance coverage may be an issue if you have recently started driving for a ride-sharing company, as some insurance companies may not cover TNC drivers at all. With the rising popularity of TNCs in the state, however, many PA car insurance companies are adapting to their customers’ needs and offering more options
What affects car insurance rates in Pennsylvania?
You may wonder “How much is car insurance in Pennsylvania?” when you start looking for new plans in the state. When you compare car insurance rates, it is beneficial to know what factors affect the rates you receive. PA auto insurance rates are based mostly on what vehicle you drive and your driving history. Car insurance costs may be affected by the following factors:
- The age of your vehicle, its estimated value and its safety features
- Where you store your vehicle and whether you live in a rural or urban area
- The number of miles you drive each year
- Whether you present a high risk, which may be based on your age and whether you have been in traffic accidents
- Your credit score report
The factors that affect your PA car insurance rate will change over time and you may become eligible for a lower premium later on.