To legally drive in Pennsylvania, you need to carry at least the minimum required car insurance coverages. It’s also important to know the rules of the road and stay up to date on your annual requirements as a driver. Here’s what you need to know:
Pennsylvania requires all drivers to:
Pennsylvania requires you to carry bodily injury liability, property damage liability, and medical payments coverage. Pennsylvania's legal minimum car insurance coverage amounts are:
For certain coverages, your coverage limits must be identical for each vehicle on your policy.
Uninsured motorist and underinsured motorist coverages are automatically added to car insurance policies in Pennsylvania, but you're not legally required to carry these coverages. You can decline them in writing when you purchase your policy. UM and UIM are distinct coverages and you can reject one or both options.
Yes. While these coverages aren’t required, they can help expand your protection against a range of potentially expensive situations on the road.
Accidental death coverage pays a death benefit to your personal representative if you sustain injuries in a car accident that lead to your death within two years of the accident.
Comprehensive coverage can help cover damages if your vehicle is damaged by something other than a collision—for example, theft, vandalism, hitting an animal, or natural disasters like hailstorms. This type of coverage can help pay for losses or damage to permanently installed equipment, parts, and accessories installed by the original vehicle manufacturer.
True to its name, collision insurance can help cover damages when your vehicle is damaged in a collision with another vehicle or a stationary object.
This coverage helps protect certain customizations you’ve made to your vehicle. Special equipment coverage offers a maximum of $3,000 coverage, including $1,000 for stereo systems.
If you’re in an accident and your vehicle needs to spend some time in the shop, rental reimbursement coverage can help you pay for a temporary rental vehicle.
Roadside assistance provides 24-hour emergency towing and roadside service if your car is disabled due to mechanical or electrical breakdowns—such as battery failure, flat tire, or low fuel, oil, or other fluids—and lockouts.
We’re committed to helping you get the most bang for your buck on your car insurance. That’s why we offer several car insurance discounts in Pennsylvania, including:
Securing an auto insurance policy not only helps you stay legal as you drive in Pennsylvania, it also can help you save serious money if you’re involved in an accident. To get a free car insurance quote, enter your ZIP code in the box below, or give us a call at 888-344-4357.
There’s more to owning a vehicle than car insurance. Here's how to contact these important state agencies:
Contact PennDOT and explore their website for weather and road closure updates, maps, and more.
*Special equipment and rental reimbursement are only available if you purchase comprehensive and collision coverages.