Pennsylvania Car Insurance

Auto Insurance Coverage in PA

Whether you've just arrived in Pennsylvania or have lived in the state all your life, fully understanding your Pennsylvania car insurance options is vital. Start your Pennsylvania auto insurance quote online, or call us at (800) 947-AUTO (2886).

As a driver in Pennsylvania, your vehicle is required to have at least the minimum amount of coverage while it is on the road.

If you are caught without auto insurance in PA, you may be fined as much as $300, and your driver's license, registration, and license plate could be suspended for three months.

If you are moving to Pennsylvania, keep in mind all new residents are required to apply for a Pennsylvania title and registration of their vehicle(s) and a Pennsylvania license within 20 days of establishing residency.

Pennsylvania Minimum Car Insurance Coverage Requirements

Determining the limits on your auto insurance can be tricky, so it's important to understand the basics. The minimum limits for Pennsylvania auto insurance are:

• Bodily injury liability coverage : $15,000 per person and $30,000 per accident
• Property damage liability coverage : $5,000
• Uninsured motorist coverage : $15,000 per person and $30,000 per accident*
• Underinsured motorist coverage : $15,000 per person and $30,000 per accident*
• First party benefits : $5,000

*Note: In Pennsylvania you may request to reject the uninsured and underinsured motorist coverages in writing.

Additional Pennsylvania Auto Insurance Coverages

Do I need first party benefits in Pennsylvania?
The state of Pennsylvania requires a type of car insurance coverage called First Party Benefits, which provides a variety of medical benefits. Many options for this coverage are available, and your policy needs to have at least the lowest option of $5,000. If you want more medical coverage, GEICO can help you choose the option that is best for you.

How do Pennsylvania's Tort coverages work?
If you have a car insurance policy in Pennsylvania, you have the option to carry either Full Tort or Limited Tort. Limited Tort limits your ability to sue other drivers for your pain and suffering if you are injured in an accident. If you would like to carry Limited Tort, you will need to sign and return a form to GEICO. It is very important to speak with a GEICO insurance specialist to determine the tort option that is best for you.

Discounts on Pennsylvania Auto Insurance

GEICO offers Pennsylvania drivers many car insurance discounts to help them find the coverage they need at prices they can afford, including:

• Multi-Policy Discount: Bundle insurance policies, like auto and homeowners, renters, or condo insurance, with GEICO and receive lower premiums.
• DriveEasy Discount: Download the DriveEasy app and get rewarded for safe driving habits.
• Five-Year Accident-Free Good Driver Discount: Pennsylvania drivers who maintain a clean driving record for at least five consecutive years may qualify for reduced auto insurance rates.
• Vehicle Equipment Discount: If your vehicle has equipment like airbags, daytime running lights, an anti-theft system, or anti-lock brakes, you may be eligible for lower car insurance premiums.

Factors that Influence Car Insurance Rates in PA

There are many factors that impact the price of car insurance rates for Pennsylvania drivers, such as:

• The coverage and limits you choose
• Your car’s year, make, and model
• Your car’s use and annual mileage
• Your age and driving history
• Your zip code