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Pennsylvania Car Insurance Resources

Pennsylvania Car Insurance

Car Insurance Rates in PA

^ From 2006 to 2010, Pennsylvania cities had the 18th highest auto insurance rates in the nation. [2]

Car Insurance in PA by City

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Cars Insured in PA

^ Pennsylvania ranked 5th of all U.S. states in total auto insurance policies in 2011. [1]

PA Car Insurance

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

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

Pennsylvania Car Insurance Facts, Estimates & Related Laws
  • 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. [2]
  • 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. [1]
  • Uninsured Motorist Rate in PA
    • The uninsured motorist rate in PA ranked 48th in the nation in 2009. [3]

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. [7]
  • 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 [7]

Pennsylvania Auto & Driver Facts

Pennsylvania Automotive Facts

Pennsylvania Auto & Driver Facts
  • Speed Limits in PA
    • Rural interstates: 65 mph [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in PA
    • Pennsylvania cities collectively ranked 5th in the nation in total motor fuel consumption in 2011. [9]

Pennsylvania Licensed Drivers

  • Licensed Drivers in PA [10]
    • Total Drivers: 8,796,774
    • Female: 4,429,168
    • Male: 4,367,606
    • 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

About Pennsylvania

Pennsylvania has a population of approximately 12,702,379, which ranks 6th in the U.S. among all states. [6]

PA Car Insurance

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?

Of all U.S. states, Mississippi had the highest uninsured motorist rate (28 percent) when last measured.

References

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

Pennsylvania Cities