Pennsylvania car insurance

Whether driving the streets of Philadelphia or Pittsburgh or through Pennsylvania's picturesque towns, drivers can count on Progressive for reliable and affordable car insurance. Learn about Pennsylvania's auto insurance coverage requirements, available discounts, and cost information through Progressive.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Pennsylvania's minimum auto insurance requirements?

Drivers in Pennsylvania are required to have auto liability coverage (BI liability and PD liability) and first-party/medical benefits coverage (similar to what other states call PIP) at the following minimum car insurance limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$15,000 per person
$30,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount$5,000
First-party benefits (FPB) What it coversYour medical costs due to an accident, regardless of who's at faultMinimum amount$5,000

Pennsylvania also requires insurers to offer uninsured/underinsured (UM/UIM) bodily injury coverage with the following limits, though you may reject or lower these coverages via a signed form if you do not want them.

CoverageWhat it coversMinimum amount
UM/UIM bodily injuryWhat it coversYour medical expenses an uninsured or underinsured driver causesMinimum amount$15,000

While these are Pennsylvania's minimum required car insurance limits, higher coverage amounts may better protect your family's financial well-being. Learn how much car insurance you may need based on your circumstances and preferences.

Is Pennsylvania a no-fault state?

Yes. Pennsylvania has been a no-fault state since 1990, according to the Insurance Information Institute. As a no-fault state, Pennsylvania requires drivers to carry first-party benefits coverage, also known as medical benefits, so that their insurance covers some or all of their and their passengers' medical expenses after a car accident, regardless of who's at fault.

No-fault car insurance also restricts the right to sue only to lawsuits that involve severe injuries. However, Pennsylvania is a no-fault optional state. This means PA drivers can reject the right-to-sue limitations but must still carry the minimum required first-party benefits.

How much is car insurance in Pennsylvania?

The average cost of a Pennsylvania liability-only auto policy (single driver/single car) was $106.50 per month in 2023, based on Progressive data.* Keep in mind that your car insurance rate will ultimately also depend on factors like your driving history, ZIP code, and coverage selection. Learn more car insurance cost factors.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.* Get an auto insurance quote today.

What is the best car insurance in Pennsylvania?

Finding the best car insurance in Pennsylvania means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in PA get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company. **

Are you trying to find the cheapest car insurance in Pennsylvania? Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:

  • Allstate customers who switch and save with Progressive save $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§
  • State Farm customers who switch and save with Progressive save $565 on average

How do I lower my car insurance cost in Pennsylvania?

To lower your car insurance cost in Pennsylvania, you may qualify for the following discounts through Progressive:

  • Multi-policy
  • Homeowner
  • Paid in full
  • Online quote
  • Five-year accident-free
  • Teen driver
  • Good student

Explore all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Pennsylvania is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry Pennsylvania's state-required coverages plus comprehensive auto coverage and collision coverage. Comprehensive and collision pay to repair or replace your car regardless of fault if it's in an accident, stolen, or otherwise damaged as the result of a covered accident. It also makes sense to add these physical damage coverages in case you're responsible for a crash and need to pay for major repairs or a new car.

Explore all our car insurance coverages and our car insurance calculator to find which ones are recommended for you.

Pennsylvania driving resources

From Allentown to Erie, get to know Pennsylvania's driving laws and resources. These resources apply to Scranton, Bethlehem, and everywhere in between. Local municipalities may have additional laws and resources.

How to get car insurance in Pennsylvania

Go online

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Call 1-866-749-7436

Ask an agent

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Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.