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Facts and Figures

Pennsylvania Car Insurance has not been rising as fast as other States. On average they will pay a premium of $912 which is very close to the State average of $921.  Insurance rates are still quite low for the East Coast.  Even during the 1990s' when other US States were rising Pennsylvania enjoyed only modest increases in premiums.  My forecast for Car Insurance in Pennsylvania and car insurance in Philadelphia will continue to be around the US average. This assumes of course that the insurance companies do not change the rating of PA given that its premiums are much less than the rest of the larger metropolitan US states.

My advice as ever is to obtain a car insurance online quote from an auto insurer that will provide you with comprehensive insurance benefits.

Minimum State Insurance Requirements

In 2007, Pennsylvania continued with an auto insurance no-fault system. The insurance company will therefore pay claims up 

to a certain limit irrespective of which person is at fault.   

Pennsylvanian Law states a minimum Bodily Injury liability coverage of $15,000 for each injured person to a maximum of $30,000 for each accident. The Damage Liability for Property coverage is set at a minimum of $5,000. Is advisable to secure a higher number than as the costs will be much higher in the case of a serious accident. You should consider Bodily Injury upwards of $100,000 and even $200,000.  

Personal Injury Protection (PIP) will assist you in paying reasonable medical expenses if you are injured. Pennsylvania State Law mandates a at least $15,000 but of course it is advisable to significantly increase this figure.

Uninsured and under insured coverage is not a mandated requirement of the State of Pennsylvania. This option should be taken up.  On more than one occasion I saw husband and wives financially crippled because one or both were severely injured by an uninsured motorist that required expensive and serious operations. Please bear these points in mind when you complete the short application and decide which options you will select. Please complete the application below for your car insurance Pennsylvania quote and car insurance Philadelphia quote.  

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