Car Insurance in Pennsylvania
Car Insurance Liability Requirements in Pennsylvania
Minimum Liability Limits in PA: 15/30/5 [ 4]
15 Required coverage up to $15,000 for one individual injured in an accident
30 Required coverage up to $30,000 for all persons injured in an accident
5 Required coverage up to $5,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Pennsylvania
Auto Insurance Coverage Requirements in PA [ 4]
Bodily injury liability coverage Property damage liability coverage Personal injury protection coverage Car Insurance Verification Laws in Pennsylvania
Insurer Verification of Auto Insurance in PA [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
Pennsylvania Car Insurance Facts, Estimates & Related Laws
Pennsylvania Car Insurance Facts
Average Car Insurance Rates in PA
Pennsylvania had the 17th highest auto insurance rates in the nation in 2010.
[ 2] Rates in PA ranked 18th in the nation in 2009.
[ 2] In 2008, PA had the 17th highest rates in the country.
Number of Auto Insurance Policies in PA
Pennsylvania ranked 5th in the nation in auto insurance policies in 2011 with a total of 8,599,108.
Uninsured Motorist Rate in PA
The uninsured motorist rate in PA ranked 48th in the nation in 2009.
Pennsylvania Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? No
Bus driver cell phone ban? No
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Pennsylvania Automotive Laws
Safety Belt Laws in PA
Safety belt laws have been in place since 1987 and apply to drivers/passengers 8 through 17 years in all seats; 18+ years in front seat.
[ 7] Child restraint law in place for 7 years and younger.
Motorcycle Helmet Laws in PA
Motorcycle helmets required for 20 and younger.
[ 7] Pennsylvania\'s motorcycle helmet use law covers all operators during the first two years of licensure unless the operator has completed the safety course approved by PennDOT or the Motorcycle Safety Foundation. [ 7]
Driver's License Renewal Cycle in PA
Renewal cycle: 4 years
Pennsylvania Auto & Driver Facts
Pennsylvania Automotive Facts
Speed Limits in PA
Rural interstates: 65 mph
[ 7] Urban interstates: 55 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in PA
Pennsylvania cities collectively ranked 5th in the nation in total motor fuel consumption in 2011.
Pennsylvania Licensed Drivers
Licensed Drivers in PA [ 10]
Total Drivers: 8,796,774
PA has the 5th most drivers in the U.S.
Minimum Driving Age in PA [ 5]
Pennsylvania has a minimum driving age of 16 years.
Pennsylvania Auto Registrations
Auto Registrations in PA [ 8]
Registered Cars: 5,484,519
Registered Trucks: 4,388,029
Registered Motorcycles: 404,896
Total Registrations: 10,302,980
Rank: Pennsylvania ranked 6th in the United States in total auto registrations in 2011.
Additional information about Pennsylvania
Pennsylvania has a population of approximately 12,702,379, which ranks 6th in the U.S. among all states.
More about Pennsylvania auto insurance
For more information about auto insurance in PA, or for additional resources regarding
Pennsylvania car insurance, visit the Pennsylvania Department of Insurance.
Did you know?
Under primary laws, an officer can ticket a driver for the offense (such as texting) without another traffic violation occurring.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration