Pennsylvania Auto Insurance Quotes

If you're in need of Pennsylvania auto insurance coverage, you're in the right place. We have the most comprehensive information on Pennsylvania's auto insurance requirements so that you can learn what kind of policy you need before you request an insurance quote. Familiarize yourself with Pennsylvania's insurance regulations and you will understand what coverage is required and what coverage is considered optional. Once you have an understanding of the policy you need, you can request quotes from insurers that are licensed to cover Pennsylvania drivers.

Pennsylvania Liability Insurance Requirements

Under Pennsylvania's auto insurance laws, driver must carry liability insurance on all registered vehicles.  In addition, motorists must carry personal injury protection coverage that will cover medical and funeral expenses in the event of an accident.  Pennsylvania's minimum coverage requirement for bodily injuries for one person in one accident is $15,000.  For all bodily injuries in one accident, the minimum coverage amount required is $30,000.  Property damage must be covered by a minimum of $5,000 in liability insurance. 

Self-Insurance in Pennsylvania

Some drivers may choose to meet Pennsylvania's auto insurance requirements by becoming self-insured.  An application for self-insurance must be filed with the state and drivers who choose this option must submit a current balance sheet and income statement.  A master self-insurance and security agreement must also be completed.  Drivers who choose self-insurance must also make a security deposit of $50,000 for one vehicle, which is funded by cash, T-balls, and other types of collateral.

Pennsylvania's No-Fault System

Pennsylvania operates under the no-fault system of assigning financial responsibility after an accident.  This means that insurance companies must pay the expenses of covered drivers without regard for who was at fault in the accident.  This system helps to cut down on insurance fraud in Pennsylvania and other states that are considered no-fault states.

Pennsylvania Proof of Insurance

Insurance carriers do not report new policies to the Pennsylvania Department of Transportation, so you need to have proof of insurance.  You can use an insurance identification card, insurance binder, copy of your policy declaration page, or a signed letter from your insurance company that shows how much coverage you have on your vehicle.

Penalties for Failure to Maintain Coverage

If you do not have proof of insurance, you must turn in your license plates immediately.  If you do not turn in your plates, you will face a $300 fine for driving without insurance as well as penalties that include 90-day suspension of your driver's license and vehicle registration and $50 reinstatement fee for your license and registration ($100 total).