Auto Insurance in Pennsylvania
Whether you’re cruising through the Amish countryside or navigating the busy streets of Philadelphia, having the right auto insurance in Pennsylvania isn’t just smart—it’s legally required. Here’s what PA drivers should know about coverage, costs, and how to save.
Minimum Auto Insurance Requirements in Pennsylvania
Pennsylvania is a choice no-fault state, meaning you can choose between limited tort and full tort options when it comes to your right to sue for pain and suffering after an accident. At a minimum, the state requires drivers to carry:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability
- $5,000 personal injury protection (PIP), also known as medical benefits coverage
Auto insurance minimum requirements for Pennsylvania were sourced from the Pennsylvania Insurance Department and are accurate as of 2025. Insurance rates by city are based on publicly available data and industry reports from sources such as the NAIC and insurance comparison platforms. Always consult directly with your insurance provider or the state’s official resources for the most current information.
Keep in mind: These are just the minimums. Many drivers opt for higher limits or additional coverage like collision, comprehensive, or uninsured motorist protection for better protection.
5 Ways to Save on Auto Insurance in PA:
- Maintain a Clean Driving Record: Fewer tickets and no recent accidents help you qualify for preferred rates. This is the cheapest and best way to save on car insurance.
- Choose Limited Tort (with caution): It can reduce your premium, but limits your ability to sue for pain and suffering unless injuries are severe.
- Bundle Your Policies: Combine auto and home insurance to unlock multi-policy discounts.
- Ask About Usage-Based Insurance: Programs like telematics can track safe driving habits and reward you with lower rates.
- Shop Around: Rates can vary widely between providers. Work with an independent insurance agent to compare quotes annually and get a competitive deal.
Cities with the Most Expensive Auto Insurance in PA
Location plays a huge role in your insurance rate. Generally, drivers in more densely populated or high-theft areas pay more. Sometimes moving just 15 minutes away can make a massive difference in premiums. In Pennsylvania, some of the most expensive cities for auto insurance include:
- Philadelphia – With high traffic density, a higher rate of claims, and theft, Philly drivers often face the highest premiums in the state.
- Chester – Located in Delaware County, this area sees elevated rates due to urban density and accident rates.
- Allentown – Increasing population and commuter traffic have pushed premiums higher in recent years.
Where Auto Insurance Is More Affordable in PA
In contrast, rural or less congested areas typically see lower rates. The cheapest cities or regions for auto insurance in PA include:
- State College – Home to Penn State, this area enjoys low crime rates and relatively low vehicle density.
- Erie – Tucked up near the Great Lakes, Erie offers a quieter driving environment and generally lower premiums.
- Johnstown – Smaller population, fewer accidents, and lower theft rates help keep premiums down.
Optional Coverage
While not required, these add-ons can provide extra protection:
Collision & Comprehensive
Covers damage to your vehicle from accidents, weather, theft, or vandalism.
Uninsured/Underinsured Motorist
Protects you if you're hit by someone who doesn’t have enough insurance.
Roadside Assistance
Helpful for breakdowns, tows, or flat tires—especially in rural PA areas.
Rental Reimbursement
Covers the cost of a rental car while your vehicle is in the shop.
Auto Insurance in Harrisburg, PA
Auto insurance isn’t one-size-fits-all. Talk to an expert insurance agent to see what policy makes sense for your driving habits, vehicle type, and budget. We pride ourselves on leading with kindness. That means educating our clients and never suggesting more coverage than they actually need.
Reach out to The Kind Insurance to discuss your current coverage & how you might be able to save money. We are an independent insurance agency. That means we are not tied down to any specific selection of insurers. Our agents work with you to understand your needs and budget and then find a plan that suits you the best.
Get in touch today for more expert insurance advice.
The Advantage of an Independent Insurance Agency Working for You
- Personalized insurance solutions.
- Friendly, knowledgeable service.
- Building trusted relationships.
Find Our Office in Lemoyne, PA
Lemoyne, PA 17043