Is car insurance in Pennsylvania expensive?

How much is car insurance in Pennsylvania per month?

Car insurance in Pennsylvania costs $42 per month, on average, or $501 per year. The average cost of car insurance in Pennsylvania is 30% lower than the national average auto insurance premium, and Pennsylvania ranks 17 out of 50 for the most affordable car insurance rates in the U.S.

Is insurance cheaper in Pennsylvania?

Based on our analysis of Pennsylvania auto insurance quotes, we identified Erie as the cheapest insurer. A minimum coverage policy from Erie costs $328 annually and $27 monthly.

Find Cheap Auto Insurance Quotes in Pennsylvania.

Rank Company Average annual rate
1 Erie $328
2 State Farm $452
3 Geico $651
4 Nationwide $660

How much car insurance do I need in PA?

Learn More About Pennsylvania Required Auto Coverage

The minimum limits for Pennsylvania auto insurance are: Bodily injury liability coverage: $15,000 per person, $30,000 per accident. Property damage liability coverage: $5,000. Uninsured motorist coverage: $15,000 per person, $30,000 per accident*

Is car insurance high in Pennsylvania?

Car insurance is moderately expensive in Pennsylvania. The typical auto insurance rate in Pennsylvania is $1,433 per year — just 0.4% more than the national average. … Car insurance rates take into account an array of factors, including a motorist’s marital status, driving history, credit rating, gender, and age.

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How much is car insurance in PA for a 20 year old?

Average car insurance cost for 20-year-olds by state

State Average annual full coverage premium for 20-year-old male Average annual full coverage premium for 20-year-old female
Pennsylvania* $3,798 $3,813
Rhode Island $4,737 $3,834
South Carolina $4,121 $3,329
South Dakota $3,506 $2,941

Can I buy a car without insurance in PA?

There is no law that prevents any resident of Pennsylvania from purchasing, registering, and insuring a car with just a valid PA Photo ID. Even if your driver’s license is suspended or revoked you can still legally purchase a car and maintain insurance.

Is PA a no-fault state?

Pennsylvania is one of a dozen or so states that follow some form of a “no-fault” car insurance system. … In order to step outside of the no-fault system and file a third-party insurance claim or lawsuit against the at-fault driver, your injuries must meet certain thresholds set by state law.

Does insurance follow the car or driver in Pennsylvania?

In most situations, the driver’s insurance plays a role regardless of whose car they are driving and who caused the accident. That is true regardless of whether a state has at-fault or no-fault laws because no-fault insurance only applies to medical payments.

Is driving without insurance illegal in PA?

Insurance Lapse

If you have a lapse in car insurance, the rates tend to be higher than an uninterrupted coverage plan. … Driving without insurance in Pennsylvania is dangerous and illegal. It’s important to stay up-to-date with your current insurance and pay all bills on time to avoid driving without insurance.

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Why is car insurance so expensive in Pennsylvania?

Car insurance in Pennsylvania is expensive because it’s a no-fault state with a high population density. In Pennsylvania, you can expect to pay approximately $1,276 per year for full coverage car insurance or $413 per year for minimum coverage. … All insured drivers share the increasing cost of insurance.

Why are cars cheaper in Pennsylvania?

Here’s the thing: if you are considering buying in Pennsylvania because of a perceived difference in price on a new car, it’s most likely just your mind playing tricks on you. … Used cars on the other hand, tend to be slightly cheaper in Pennsylvania, due to an increased supply.

Do insurance rates go up after no-fault accident?

Generally, a no-fault accident won’t cause your car insurance rates to rise. This is because the at-fault party’s insurance provider will be responsible for your medical expenses and vehicle repairs. If your insurer doesn’t need to fork out money, your premiums won’t go up.