Having insurance on your vehicle is crucial when out on the roads. Pennsylvania vehicle owners must maintain vehicle liability insurance for all currently registered vehicles according to Pennsylvania law. Here are some helpful tips on car insurance in PA and how to save on costs.
What Car Insurance Is Required in PA?
First, let’s get some clarity on car insurance requirements and the state minimum. Car insurance in Pennsylvania can cover everything from the bare minimum to more comprehensive coverage that offers the comfort and security of more protection. It’s possible to customize your insurance to tailor it to your needs.
Types of Car Insurance
Drivers in Pennsylvania are legally required to have car insurance. The types of car insurance that are required include:
- Bodily injury coverage of at least $15,000 per person and $30,000 per accident
- Uninsured motorist coverage of at least $15,000 per person and optional coverage of $30,000 per accident
- Underinsured motorist coverage of at least $15,000 per person and optional coverage of $30,000 per accident
- Medical benefits with a state minimum coverage of $5,000 per accident
- Property damage liability with a state minimum coverage of $5,000 per accident
- Limited or full tort coverage
How Much Does Car Insurance Cost on Average in PA?
In Pennsylvania, the average cost of car insurance is $1,344 per year, which is 9.7% lower than the national average. The amount you have to pay for your vehicle insurance will depend on your plan, your driving history, your age, and where you live. Make sure to get a range of car insurance quotes.
Can Car Insurance Be Lowered in PA?
YES! Here are some tips and tricks on how to save money on car insurance:
- Complete certified training courses.
- Follow the rules of the road, obey the law, and don’t commit any driving violations
- Be consistent – use defensive driving techniques, stay alert and focused on the road, and drive safely.
- Use a smaller, fuel-efficient alternative fuel or hybrid vehicle.
- The further you drive, the more you’ll pay, so driving shorter distances is another way to cut down your average car insurance cost.
- Keep your vehicle in good working order by taking it for its roadworthy services on time.
- Make sure your driver’s license and registration are up to date.
- Improve your credit rating.
- Check if you may be eligible for multi-car discounts if you have more than one car.
- Make sure you research and compare different service providers with as many car insurance quotes as possible.
Our Top Tip: Bodily Injury Coverage
Bodily injury coverage gets cheaper the more coverage you buy. The state minimum coverage policy in Pennsylvania is $15,000 per person and $30,000 per accident, which costs $532 on average. However, buying bodily injury coverage of up to $100,000 or $200,000 increases the cost by only 18% to $627 per year. This is definitely something to look into when getting your insurance. Be sure to speak with a licensed insurance representative to find out about your options.
Driving School Discounts on Insurance
Driven2Drive offers a variety of courses that fulfill the requirements to receive driving lesson insurance discounts in PA. Students will be eligible for a driving lesson insurance discount if they complete Driven2Drive’s driver’s education course or a defensive driving course at any of the six Driven2Drive locations. This can lower your insurance costs by up to 20%.
Driving insurance for learner drivers is also possible. We’ve also put together some advice about what to do if you have a car accident as a learner driver.
Drivers’ education is not mandatory in Pennsylvania. However, most new drivers in Pennsylvania take driver’s education classes to learn the rules of the road before they get behind the wheel. And with the average car insurance cost being quite expensive, it’s a convenient way to save money while preparing you for the road test and ensuring your safety.
Insurance for a Driver’s Ed Car
Driver’s ed car insurance is a policy that you can take out under your parents’ insurance or as an individual to cover the driver’s ed vehicle in the event of an accident during a driving test. Compare car insurance quotes and you may be able to reduce full coverage car insurance rates by 5% or more. Simply show your insurance company your certificate of completion after you’ve passed the course to get your discount and save on your car insurance.
How to Compare Car Insurance Quotes
It’s important to shop around for car insurance quotes to find the best deals. Make sure to compare the details of different packages offered by each provider and see where you can save. Drivers can save up to an average of $1,762 annually.
You can save significantly with cheap liability-only insurance, which is the most affordable car insurance option in Pennsylvania that still meets the state minimum car insurance requirements.
Related Resources:
- A Guide to Teen Driving Laws in PA
- A Guide to the Total Cost Behind Getting a Driver’s License in PA
- Importance of Adding Your Teen to Your Car Insurance
Driven2Drive is a premier driving school and the leader in Driver’s Education. From our dedicated team of instructors to our innovative state-of-the-art Driving & License Testing Centers, we are committed to instilling safe driving habits for life in a fun and interactive atmosphere.
