Pennsylvania auto insurance

Drivers in the Keystone State can count on Progressive for reliable and affordable car insurance. Learn more about coverage requirements and available discounts through Progressive, and find easy ways to get a Pennsylvania car insurance quote through us.

3 min to read

What are Pennsylvania's auto insurance requirements?

Pennsylvania auto insurance laws and regulations require all drivers to have car insurance. Drivers in the Keystone State must have auto liability coverage limits of at least:

  • $15,000 in bodily injury per person
  • $30,000 in total bodily injury per accident
  • $5,000 in property damage per accident

To protect your assets, you can always choose higher liability limits than what's required for car insurance in Pennsylvania. Set your limits high enough to cover your total net worth in case you're liable in a covered accident.

PA uninsured motorist coverage and first-party benefits

Drivers in Pennsylvania are required to carry first-party benefits (FPB) and should also consider uninsured/underinsured bodily injury coverage (UM/UIM BI) with the following minimum limits:

  • FPB: $5,000
  • UM/UIM BI: $15,000 per person, $30,000 per accident. (Note: this coverage can be rejected)

FPB covers a range of medical expenses for you and your passengers regardless of fault, including medical, dental, hospitalization, and nursing services. UM/UIM BI covers medical expenses for you and your passengers if you are hit by a driver with not enough coverage or no insurance at all.

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

Comprehensive and collision protect your car against damage

If you're leasing or financing a vehicle, most lenders require these coverages. Comprehensive coverage and collision coverage can cover the repair or replacement of your car if it's damaged in a covered incident.

How much is car insurance in Pennsylvania?

In 2020-2021, the average cost of a Pennsylvania liability-only auto policy (single driver/single car) with Progressive was about $95 per month.** Rates vary due to several factors, including your ZIP code, driving history, and coverage selection.

Does Progressive offer discounts for Pennsylvania drivers?

Yes, there are discounts available for drivers in Pennsylvania. Get cheaper car insurance in Pennsylvania by taking advantage of multiple Progressive discounts, including:

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

Looking to protect both your home and vehicles? Save money by bundling your homeowners and auto insurance policies. Learn more about homeowners insurance in Pennsylvania.

See all auto insurance discounts.

Pro tip:

The Progressive Snapshot® discount program personalizes your rate based on your driving habits. The safer you drive, the more you could save. See more on Snapshot.

Interesting facts about Pennsylvania auto insurance:

  1. Pennsylvania drivers have the third highest odds of colliding with deer. Protect against animal collisions with comprehensive coverage.

  2. The Keystone State requires second or subsequent DUI offenders to install an ignition interlock system in every vehicle they operate. At Progressive, we can insure drivers with DUI violations.

  3. Pennsylvania ranks in the top 10 for states with the worst road maintenance, with 30% of its roadways in poor conditions. If a pothole damages your car, collision coverage can cover the repairs.

How to get car insurance in Pennsylvania

Go online

Customize your policy's coverages, limits, and deductibles.

Get a car insurance quote

Call us

Talk to a licensed representative who will guide you through every step of the process.

Call 1-866-749-7436

Ask an agent

Get expert advice from an independent agent near you.

Find an agent in Pennsylvania

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.