Pennsylvania Auto Insurance

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Whether your morning commutes or leisurely drives take you through the city streets of Philadelphia or Pittsburgh, along the winding roads of Erie, West Chester, Lancaster, Allentown or one of the other amazing cities in Pennsylvania, drivers in the Keystone State always have a few things in common. They all need to maintain the Pennsylvania auto insurance laws and regulations, and one of those is keeping adequate PA auto insurance at all times.

At Clovered, we’ve made getting cheap auto insurance in Pennsylvania easier than ever. Simply give one of our many licensed agents a call and we’ll pair you with a perfect policy that fits your needs and your budget. We’ve teamed up with some of the best auto insurance companies in Pennsylvania, so you can always get the best price!

Pennsylvania Auto Insurance Laws and Regulations

If you’re a driver in Pennsylvania, the state’s laws require you to carry the following minimums on your car insurance. Failure to keep these minimums can result in jail times and heavy fines.

  • Bodily Injury: $15,000 per person, $30,000 per accident
  • Property Damage: $5,000 per accident
  • Uninsured Motorist: $15,000 per person, $30,000 per accident
  • Underinsured Motorist: $15,000 per person, $30,000 per accident

What Does Pennsylvania Auto Insurance Cover?

Property Damage Liability

This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.

Collision Coverage

This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.

Comprehensive Coverage

This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.

Bodily Injury Liability

If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.

Personal Injury Protection

Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.

Medical Payments

This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.

Gap Coverage

If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.

Towing & Labor

An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.

Rental Car

You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.

Uninsured Motorist

This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.

Underinsured Motorist

This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.

How to Get Cheap Auto Insurance Pennsylvania

Getting cheap auto insurance in Pennsylvania is easier than ever. Of course, the amount you pay for auto insurance in Pennsylvania is based on many factors, including your driving record, the type of vehicle you drive and your age.

But to get a quote for the best and maybe the cheapest car insurance in Pennsylvania, call our team of licensed agents at 833-255-4117.

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.