The Ultimate Pennsylvania Car Insurance Guide (Costs + Coverage)

Pennsylvania Statistics SummaryDetails
Road Miles in PennsylvaniaVehicle Miles: 99,882 millions
Miles of Roadway: 120,039
VehiclesRegistered Vehicles: 10,108,442
Motor Vehicle Thefts: 13,040
Population12,807,060
Most Popular Vehicle in PennsylvaniaHonda CR-V
Uninsured%/Underinsured%7.60%
Total Driving Related DeathsSpeeding Fatalities: 468
DUI Fatalities: 314
Full Coverage Average PremiumsLiability: $495.02
Collision: $307.31
Comprehensive: $132.01
Full Coverage: $934.34
Cheapest ProviderUSAA

Whether you are driving through many scenic byways in the Keystone state or commuting to the office in the Steel City, you need car insurance to drive in the state.

But we understand that researching about insurance coverage in your state is often confusing and painful. You will have to spend hours looking for the best resources, collect data, etc.

In the market for Pennsylvania automobile insurance? Sometimes searching for a provider can be difficult.

Whether you live in a big city like Philadelphia, Pittsburgh, or Allentown, or a lesser populated area such as Erie or Reading, AutoInsuranceEZ.com makes getting quotes easy. Just enter your zip code to get started.

Table of Contents

Car Insurance Coverage and Rates in Pennsylvania

We know that the best auto insurance policy is the one that we need.

But what how to figure what feature of the policy is applicable or relevant for me?

After all, a policy not only needs to provide adequate coverage but also should be economical. You should know what feature to drop and what to purchase in a plan.

In the guide, we will help you answer these and more.

– Pennsylvania’s Car Culture

Pennsylvania has a rich automotive history showcased through its various museums. The Keystone State is also home to the iconic Pocono Raceway that hosts IndyCar and NASCAR races.

Unfortunately, the racing heritage is slightly extended to the public roads with drivers sometimes exceeding the speed limit by more than 10 miles per hour.

Slow down and follow the rules! It’s for everyone’s safety.

– Minimum Insurance Coverage Required in Pennsylvania

Before you figure out what is the best insurance coverage, you should know about the insurance laws applicable in the State of Independence.

Pennsylvania is among the few states that provide a ‘choice‘ insurance model to its residents. You can either opt for a ‘full tort’ and ‘limited tort’ coverage, which will change the coverage in case of injury in a car accident.

Under a full tort coverage, you are responsible for the damage caused to others and reserves the right to sue if someone else has injured you in an accident.

In limited tort, you are the under the no-fault system. In case of an accident that resulted in injury, you will be compensated by your insurer for medical costs regardless of fault.

However, under limited tort, you are restricted for your right to sue the other driver for an injury.

You can step out of the no-fault system in case you suffer a severe injury such as serious impairment of a body function, or severe and permanent disfigurement.

All vehicles registered in Pennsylvania must have minimum liability insurance coverage.

The law in Pennsylvania requires you to purchase the following minimum liability insurance regardless of the choice of coverage you want to get:

  • $15,000 for injury or death of one person in an accident or $30,000 per accident that results in injury or death of more than one person
  • $5,000 property damage protection when you’re at fault

In case you choose a no-fault plan, you also have to purchase the medical payments coverage:

While buying the minimum liability coverage will keep you compliant with the law, it may not be financially prudent to drive with minimum coverage.

If you do not have enough liability coverage, and you are at-fault in an accident, you will have to bear all the expenses that your insurance does not cover.

Let us now review why the minimum liability protection is required:

Liability coverage will kick in if you cause damage to other vehicle or property. E.g., if you rear-end a car and are held at fault, your insurer will compensate the third-party up to your policy limit.

However, $5,000 may not be enough if you hit an expensive car or accidentally cause substantial property damage. If the damage claim exceeds the amount covered under your policy, you will have to pay out of pocket.

This video will help you understand the concept of liability insurance:

To protect yourself against financial injury, you should purchase additional liability insurance than the minimum mandated by the state law.

– Forms of Financial Responsibility Required in Pennsylvania

It is mandatory to maintain vehicle liability insurance in Pennsylvania.

Any lapse in vehicle insurance may result in registration suspension.

Also, do not drive without insurance. Not only it’s financially risky, but also, you can attract fine and license suspension. DMV can also revoke your license plate and registration.

You would have to pay a $500 fine to avoid registration suspension along with registration restoration fee.

Do not make the mistake of driving without insurance.

In place of motor insurance, you can also apply for self-insurance with PennDOT.

To get approved for self-insurance, you would submit the following to PennDOT:

  • Financial statements that show your latest financial condition
  • Minimum collateral of $50,000 for one vehicle

– Premiums as a Percentage of Income in Pennsylvania

How to save on premiums?

To answer this question, we need to understand what are you paying compared to your other drivers in the state.

The benchmark premium rate will help you analyze an insurance quote that you may receive from an insurer.

Percentage of Income201420132012
Pennsylvania2.24%2.28%2.23%
National Average2.40%2.43%2.34%

On average, premiums amount to a lower share of income compared to the national percentage.

However, the numbers we shared above are average numbers. These may not necessarily be relevant in your case. Please use our FREE calculator to what percentage of your income is spent on car insurance.

 

CalculatorPro

– Core Car Insurance Coverage in Pennsylvania

The lower share of income is due to a higher disposable income, coupled with a lower average premium than the national average.

Percentage of IncomeDisposable Income (Average)Full Coverage Premium (Average)
Pennsylvania$42,414$950.42
National Average$40,859$981.77

As per the data from the National Association Of Insurance Commissioners, the average premium for full coverage is $950, which is more than $30 less than the national average.

Pennsylvania Average Annual Cost of Coverage

Auto insurance premium in Pennsylvania is at par with the national average.

However, you can further save by using the following methods:

  • Optimize your deductible
  • Have all your cars in a single policy
  • Complete a certified defensive driving course
  • Equip your cars with safety equipment such as anti-theft alarm
  • Reduce your annual mileage

– Additional Liability Coverage in Pennsylvania

Loss Ratio (%)2014 2013 2012 
PAUSPAUSPAUS
PIP69.9569.4173.4774.6973.9982.31
Med Pay11.9774.05236.4376.8598.0278.49
Uninsured/Underinsured58.1267.3360.7467.2261.5567.55

If you opt for no-fault insurance, you are required to purchase the medical benefits rider. However, Pennsylvania law does not require you to purchase PIP or uninsured motorists coverage.

It is however prudent that you consider the add-ons as they provide additional financial protection in case of an accident.

Medical Payments

Medical Payment coverage is expected to cover your medical expenses in case of an accident up to the limits of your policy. The ‘MedPay’ coverage pays you regardless of who was at fault in an accident.

Personal Injury Protection (PIP)

You can opt for PIP that includes several benefits, including medical payment, lost wages, funeral expenses, etc.

However, please remember that MedPay and PIP both are primary benefits that provide medical coverage in case of an accident.

The difference is that PIP also provides additional coverages such as lost wages and funeral expenses.

Uninsured/Underinsured Motorist Coverage

Pennsylvania has more than 7 percent of drivers that carry no insurance or less than required insurance on the road.

If a driver who is not carrying liability coverage hits you, he or she will not be able to call an insurance company for a claim. If the person does not have enough assets to pay out of pocket for damages, he or she may declare bankruptcy.

Who is going to pay for damages in such a case?

This is why you should consider purchasing uninsured/underinsured coverage.

But it is also essential that the insurer can settle the claim.

Loss Ratio is an excellent measure to figure out if your insurer can pay a claim.

It is the ratio of total premiums earned by an insurer against total claims settled.

A high ratio may indicate that although the insurer is likely to settle your claim, your premium might increase in the near future.

Conversely, a low loss ratio might indicate that the insurer will not settle your claim.

The loss ratio is at par with the national average, which indicates that on average, you are expected to receive claim settlements for all legitimate claims.

– Add-ons, Endorsements, and Riders

When selecting your coverage, you can also consider the following add-ons and riders that caters to your specific requirements:

– Insurance Premium Rates by Gender – Male vs. Female Rates

Now that you have reviewed the different insurance options, it’s time we examine what factors impact your premium rate.

A better standing on the important factors might help you get more discounts on your insurance rates.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$2,500.83$2,500.83$2,307.05$2,307.05$8,377.10$8,377.10$2,751.49$2,751.49
Geico Cas$2,050.13$1,773.78$1,932.09$1,672.62$5,122.03$4,441.41$2,063.97$1,785.69
First Liberty Ins Corp$3,969.70$3,969.70$3,637.16$3,637.16$11,576.65$11,576.65$5,037.27$5,037.27
Nationwide P&C$1,909.07$1,909.07$1,807.43$1,807.43$5,346.15$5,346.15$2,138.83$2,138.83
Progressive Specialty$2,795.84$2,795.84$2,498.30$2,498.30$8,952.27$8,952.27$3,557.57$3,557.57
State Farm Mutual Auto$1,685.65$1,685.65$1,487.48$1,487.48$5,944.71$5,944.71$1,859.05$1,859.05
Travelers Home & Marine Ins Co$1,747.11$1,747.11$1,882.23$1,882.23$25,635.88$25,635.88$2,104.67$2,104.67
USAA$1,148.03$1,148.03$1,037.62$1,037.62$3,463.40$3,463.40$1,524.42$1,524.42

Insurers in Pennsylvania do not differentiate based on gender but do consider your age when calculating your premium rate.

Teen drivers generally have to pay the highest premium. However, they can shop around to find the insurer that provides the most economical premium rate.

– Insurance Rates by Zip Code in Pennsylvania

Insurance premium also differs by zip code as insurers consider local data points while calculating rates. E.g., if there have been a lot of car thefts in your zip code, insurers might see this as an additional risk and increase your premium rates.

25 Most Expensive Zip Codes in PennsylvaniaCityAverage by Zip CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
19133PHILADELPHIA$8,527.54Travelers$16,347.78Liberty Mutual$14,953.09USAA$3,130.55Nationwide$5,516.08
19132PHILADELPHIA$8,485.99Travelers$16,434.31Liberty Mutual$14,953.09USAA$2,979.83State Farm$5,345.97
19140PHILADELPHIA$8,482.06Travelers$15,656.34Liberty Mutual$14,953.09USAA$3,130.55Nationwide$5,531.40
19142PHILADELPHIA$8,438.04Travelers$16,063.64Liberty Mutual$14,953.09USAA$3,118.87GEICO$5,402.37
19139PHILADELPHIA$8,431.95Travelers$15,900.83Liberty Mutual$14,953.09USAA$3,067.37GEICO$5,332.66
19121PHILADELPHIA$8,402.97Travelers$15,667.55Liberty Mutual$14,953.09USAA$2,979.83Nationwide$5,103.03
19143PHILADELPHIA$8,335.24Travelers$15,329.68Liberty Mutual$14,953.09USAA$3,040.28GEICO$5,332.66
19122PHILADELPHIA$8,251.79Travelers$15,965.31Liberty Mutual$14,953.09USAA$2,977.25GEICO$5,059.59
19112PHILADELPHIA$8,120.94Travelers$15,996.78Liberty Mutual$14,953.09USAA$3,040.28State Farm$4,159.60
19141PHILADELPHIA$7,951.26Travelers$15,628.00Liberty Mutual$11,848.69USAA$3,168.09State Farm$5,393.39
19120PHILADELPHIA$7,934.92Travelers$15,270.43Liberty Mutual$11,848.69USAA$3,130.55GEICO$5,059.59
19126PHILADELPHIA$7,875.75Travelers$15,023.64Liberty Mutual$11,848.69USAA$3,132.85State Farm$4,926.72
19145PHILADELPHIA$7,875.23Travelers$15,797.70Liberty Mutual$13,185.12USAA$3,040.28State Farm$4,614.78
19125PHILADELPHIA$7,867.88Travelers$15,280.25Liberty Mutual$13,185.12USAA$2,977.25GEICO$5,059.59
19124PHILADELPHIA$7,839.78Travelers$15,192.97Liberty Mutual$11,848.69USAA$3,170.44GEICO$5,059.59
19138PHILADELPHIA$7,813.73Travelers$15,422.93Liberty Mutual$11,848.69USAA$3,018.01State Farm$4,962.95
19153PHILADELPHIA$7,809.79Travelers$15,950.73Liberty Mutual$13,185.12USAA$3,040.28Nationwide$4,431.54
19134PHILADELPHIA$7,792.20Travelers$15,369.32Liberty Mutual$13,185.12USAA$3,130.55State Farm$5,003.80
19104PHILADELPHIA$7,718.61Travelers$15,015.69Liberty Mutual$14,953.09USAA$2,979.83GEICO$3,727.54
19131PHILADELPHIA$7,711.11Travelers$15,520.29Liberty Mutual$11,848.69USAA$2,979.83State Farm$5,173.58
19190PHILADELPHIA$7,619.01Travelers$15,996.78Liberty Mutual$14,953.09USAA$2,684.13GEICO$3,727.54
19109PHILADELPHIA$7,590.79Liberty Mutual$14,953.09Travelers$14,644.96USAA$2,802.84GEICO$3,727.54
19148PHILADELPHIA$7,551.17Travelers$16,231.94Liberty Mutual$13,185.12USAA$3,040.28GEICO$3,727.54
19144PHILADELPHIA$7,532.62Travelers$15,516.37Liberty Mutual$11,848.69USAA$2,864.58GEICO$4,546.01
19147PHILADELPHIA$7,504.11Travelers$15,857.48Liberty Mutual$13,185.12USAA$3,040.28GEICO$3,727.54

The 25 most expensive zip codes are all in Philadelphia.

25 Least Expensive Zip Codes in PennsylvaniaCityAverage by Zip CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
16823BELLEFONTE$3,116.01Travelers$5,623.33Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
16801STATE COLLEGE$3,156.82Travelers$6,027.64Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
16803STATE COLLEGE$3,205.35Travelers$6,206.11Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
17844MIFFLINBURG$3,205.40Travelers$5,668.37Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
16828CENTRE HALL$3,207.80Travelers$5,600.96Liberty Mutual$4,826.44USAA$1,384.72State Farm$1,979.70
16802UNIVERSITY PARK$3,211.08Travelers$6,155.13Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
16870PORT MATILDA$3,212.75Travelers$5,804.33Liberty Mutual$5,301.56USAA$1,385.22GEICO$1,816.07
17013CARLISLE$3,217.12Travelers$6,210.08Liberty Mutual$4,364.46USAA$1,561.10GEICO$1,897.92
17015CARLISLE$3,217.18Travelers$6,210.08Liberty Mutual$4,364.46USAA$1,561.10GEICO$1,897.92
17837LEWISBURG$3,223.56Travelers$5,861.05Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
17065MOUNT HOLLY SPRINGS$3,237.78Travelers$6,004.88Liberty Mutual$4,801.54USAA$1,561.08GEICO$1,897.92
16826BLANCHARD$3,242.81Travelers$5,623.33Liberty Mutual$5,301.56USAA$1,385.22State Farm$2,062.44
17842MIDDLEBURG$3,243.72Travelers$5,719.63Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
17887WHITE DEER$3,263.23Travelers$6,414.92Liberty Mutual$4,835.16USAA$1,467.86State Farm$2,038.07
17266WALNUT BOTTOM$3,264.01Travelers$6,163.01Liberty Mutual$4,801.54USAA$1,561.11GEICO$1,897.92
17324GARDNERS$3,275.34Travelers$5,874.51Liberty Mutual$4,801.54USAA$1,561.11GEICO$2,153.91
17343MC KNIGHTSTOWN$3,275.41Travelers$5,709.54Liberty Mutual$4,835.16USAA$1,540.87GEICO$2,153.91
17007BOILING SPRINGS$3,282.20Travelers$6,303.42Liberty Mutual$4,801.54USAA$1,561.08GEICO$1,897.92
17241NEWVILLE$3,288.08Travelers$6,018.29Liberty Mutual$4,801.54USAA$1,561.11GEICO$1,897.92
16827BOALSBURG$3,288.82Travelers$6,427.94Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
17050MECHANICSBURG$3,290.99Travelers$6,645.72Liberty Mutual$4,364.46USAA$1,561.19GEICO$1,897.92
17055MECHANICSBURG$3,291.15Travelers$6,761.33Liberty Mutual$4,364.46USAA$1,561.19GEICO$1,897.92
16875SPRING MILLS$3,298.88Travelers$5,708.01Liberty Mutual$5,301.56USAA$1,384.72State Farm$2,096.21
17889WINFIELD$3,300.90Travelers$6,327.37Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
17870SELINSGROVE$3,301.85Travelers$6,493.74Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84

Bellefonte and State College have the cheapest zip codes in Pennsylvania.

– Car Insurance Rates by City in Pennsylvania

Take a look at the tables below to see if your city has expensive or cheap insurance rates.

10 Most Expensive Cities in PennsylvaniaAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Philadelphia$7,482.34Travelers$15,126.36Liberty Mutual$12,538.89USAA$2,954.06GEICO$4,621.12
Sharon Hill$6,392.50Travelers$13,460.15Liberty Mutual$8,630.14USAA$2,363.32Nationwide$4,102.98
East Lansdowne$6,347.36Travelers$12,468.46Liberty Mutual$8,630.14USAA$2,511.37Nationwide$4,210.51
Collingdale$6,270.41Travelers$12,886.09Liberty Mutual$8,630.14USAA$2,511.37Nationwide$4,212.45
Millbourne$6,231.76Travelers$12,160.58Liberty Mutual$8,630.14USAA$2,207.63Nationwide$4,241.54
Bensalem$5,764.41Travelers$12,296.07Liberty Mutual$8,344.78USAA$1,908.22GEICO$3,568.65
Cheltenham$5,733.79Travelers$12,436.54Liberty Mutual$7,629.84USAA$2,456.44Nationwide$3,835.72
Elkins Park$5,727.39Travelers$12,174.44Liberty Mutual$7,629.84USAA$2,154.94Nationwide$3,745.21
Chester$5,723.20Travelers$12,415.25Liberty Mutual$8,630.14USAA$2,363.32GEICO$3,596.36
Glenolden$5,720.42Travelers$12,887.96Liberty Mutual$8,630.14USAA$2,395.86State Farm$3,491.05

Unsurprisingly, Philadelphia is the most expensive city.

10 Least Expensive Cities in PennsylvaniaAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Bellefonte$3,116.01Travelers$5,623.33Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
Houserville$3,156.81Travelers$6,027.64Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
Park Forest Village$3,205.35Travelers$6,206.11Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
Mifflinburg$3,205.40Travelers$5,668.37Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
Centre Hall$3,207.80Travelers$5,600.96Liberty Mutual$4,826.44USAA$1,384.72State Farm$1,979.70
University Park$3,211.08Travelers$6,155.13Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
Port Matilda$3,212.75Travelers$5,804.33Liberty Mutual$5,301.56USAA$1,385.22GEICO$1,816.07
Carlisle$3,217.14Travelers$6,210.08Liberty Mutual$4,364.46USAA$1,561.10GEICO$1,897.92
Lewisburg$3,223.56Travelers$5,861.05Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
Mount Holly Springs$3,237.78Travelers$6,004.88Liberty Mutual$4,801.54USAA$1,561.08GEICO$1,897.92

Bellefonte, which has the cheapest zip code, is also the cheapest city.

Best Car Insurance Companies in Pennsylvania

You might be wondering, how do you choose among the many insurers in the market?

It will feel great if you get the cheapest car insurance. Right?

But, you should consider many different factors, including customer reviews and financial strength of the company.

– Financial Ratings of the Leading Insurance Companies in Pennsylvania

We don’t always have the time or the skills to analyze the financial strength of a prospective insurance company.

Therefore, we are using A.M. Credit Rating to understand the financial health of the leading insurance companies in Pennsylvania.

A.M. Credit is one of the most reputed insurance credit rating agency.

CompaniesA.M. Rating
State Farm GroupA++
Erie Insurance GroupA+
Allstate Insurance GroupA+
Progressive GroupA+
Nationwide Corp GroupA+
GeicoA++
Liberty Mutual GroupA
Travelers GroupA+
USAA GroupA++
Farmers Insurance GroupA

– Customer Satisfaction Rating of Leading Car Insurance Companies in Pennsylvania

It will take long to browse through various forums, opinion polls, customer reviews to find which car insurance companies are best in customer satisfaction.

Instead, we are leveraging the J.D. Power Customer Satisfaction Ratings.

JD Power Customer Satisfaction Mid Atlantic

All most all insurers have a respectable rating, but Erie and Geico stand out as the best in customer satisfaction ratings in the region.

– Car Insurance Companies with MOST customer complaints in Pennsylvania

Another critical metric to review would be the number of complaints received.

We need to keep in mind that all companies receive complaints; however, it is more important how companies deal with these complaints.

CompaniesNational Median
Complaint Ratio
Company Complaint
Ratio 2017
Total Complaints
2017
State Farm Group10.441482
Erie Insurance Group10.722
Allstate Insurance Group10.5163
Progressive Group10.75120
Nationwide Corp Group10.2825
Geico10.68333
Liberty Mutual Group15.95222
Travelers Group10.092
USAA Group10.74296
Farmers Insurance Group100

– Cheapest Car Insurance Companies in Pennsylvania

CompanyAverage Annual RateCompared to State Average ($4,034.49)
Allstate F&C$3,984.12-$50.37
Geico Cas$2,605.22-$1,429.28
First Liberty Ins Corp$6,055.19$2,020.70
Nationwide P&C$2,800.37-$1,234.13
Progressive Specialty$4,451.00$416.50
State Farm Mutual Auto$2,744.22-$1,290.27
Travelers Home & Marine Ins Co$7,842.47$3,807.98
USAA$1,793.37-$2,241.13

On average, USAA and Geico are the cheapest car insurance companies in Pennsylvania. However, these are average numbers, and your premium rate might be different.

Remember, any slight difference in factors can significantly change the premium rate.

– Car Insurance Premium Rates by Annual Commute in Pennsylvania

Company10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.
Allstate$3,904.16$4,064.08
Geico$2,562.81$2,647.62
Liberty Mutual$5,900.24$6,210.14
Nationwide$2,800.37$2,800.37
Progressive$4,451.00$4,451.00
State Farm$2,661.82$2,826.63
Travelers$7,842.47$7,842.47
USAA$1,742.14$1,844.59

Many insurers provide discounts if your annual commute is around 6,000 miles.

– Car Insurance Premium Rates by Coverage Level in Pennsylvania

CompanyHighMediumLow
Allstate$4,148.08$4,010.08$3,794.20
Geico$2,810.85$2,629.30$2,375.50
Liberty Mutual$6,306.41$6,098.96$5,760.21
Nationwide$2,751.91$2,835.74$2,813.46
Progressive$4,809.93$4,484.26$4,058.80
State Farm$2,885.58$2,780.67$2,566.42
Travelers$7,782.26$7,848.30$7,896.86
USAA$1,907.44$1,810.30$1,662.36

On average, USAA provides the cheapest rates for both high and low coverage levels.

– Car Insurance Premium Rates by Credit History in Pennsylvania

CompanyGoodFairPoor
Allstate$3,060.28$3,798.36$5,093.72
Geico$1,701.51$2,202.65$3,911.48
Liberty Mutual$4,895.54$5,542.86$7,727.18
Nationwide$2,411.94$2,701.68$3,287.49
Progressive$3,319.35$4,136.56$5,897.08
State Farm$1,909.14$2,418.55$3,904.98
Travelers$7,282.50$7,710.22$8,534.70
USAA$1,473.98$1,664.45$2,241.67

Car insurers consider your credit score while calculating the premium rate.

In Pennsylvania, USAA and Nationwide might provide the best rate if you have a poor credit record.

However, in case your credit score is good, you can also consider Geico and State Farm for a better rate.

– Car Insurance Premium Rates by Driving Record in Pennsylvania

Row LabelsClean recordWith 1 speeding violationWith 1 DUIWith 1 accident
Allstate$3,813.11$3,813.11$3,813.11$4,497.16
Geico$1,916.13$2,653.35$2,568.60$3,282.78
Liberty Mutual$5,525.34$6,183.64$6,183.64$6,328.15
Nationwide$2,021.90$2,707.29$3,769.26$2,703.02
Progressive$4,034.71$4,045.00$4,153.94$5,570.34
State Farm$2,512.31$2,744.22$2,744.22$2,976.14
Travelers$5,566.16$7,914.42$9,974.88$7,914.42
USAA$1,442.82$1,612.21$2,126.01$1,992.43

Driving record is an important risk indicator for an insurer. A DUI or an at-fault accident might lead to an increase in your premium rates.

– Largest Car Insurance Companies in Pennsylvania

CompaniesMarket Share
State Farm Group20.35%
Erie Insurance Group13.19%
Allstate Insurance Group11.42%
Progressive Group10.01%
Nationwide Corp Group8.99%
Geico8.08%
Liberty Mutual Group4.85%
Travelers Group3.84%
USAA Group3.42%
Farmers Insurance Group2.20%

– Number of Insurers in Pennsylvania

Type of InsurerCount
Domestic166
Foreign929

Pennsylvania State Laws

You get discounts on your premium rates if you keep a clean driving record.

However, to keep a clean driving record, it is imperative that you have updated knowledge about the various automotive laws applicable in the state of Pennsylvania.

We will help quickly recap the most relevant driving and non-driving automotive laws in the state so that not only you get the best rates but remain safe on the road.

– Car Insurance Laws in Pennsylvania

According to the National Association of Insurance Commissioners, State laws determines the tort rule, minimum liability insurance requirement, and approval system used by insurers.

In Pennsylvania, insurers have to seek prior approval with the state insurance department before using insurance rates and forms.

Let us further review specific laws governing car insurance in the State of Independence.

– Windshield Coverage Laws in Pennsylvania

In Pennsylvania, there is no specific law governing the insurers to provide windshield coverage as part of the policy. However, insurance providers may provide windshield protection as part of the comprehensive coverage.

– High-Risk Insurance in Pennsylvania

Insurers could deny you auto insurance coverage if you were involved in multiple DUI convictions or at-fault accidents.

With a poor driving record, you will be considered a risk by the insurance companies and therefore will not offer you a policy in the voluntary market.

How do you find coverage in such a scenario?

Well, you can opt for Pennsylvania’s Assigned Risk Plan (ARP) that assigns high-risk drivers to insurance companies based on a quota.

The premium rate under ARP is almost always more expensive than the voluntary market; however, the policy coverage remains identical.

The quota is calculated based on the amount of business each insurance company writes in the state.

To be eligible to apply for insurance under ARP, you must prove that you searched for auto insurance in the voluntary market for a minimum of 60 days without success.

Within ARP, you may also qualify for the Clean Risk Rate (CRR). Eligibility criteria for CRR are:

  • No more than $1,150 paid by the insurance on your behalf
  • No more than three traffic violations
  • No suspension or revocation of driver’s license
  • You must have held the license for three years

You should aim to keep a clean driving record and access the voluntary market for a cheaper premium rate.

– Low-Cost Insurance in Pennsylvania

Pennsylvania does not have a provision for a low-cost insurance plan for its residents. The state recommends that you shop around for the cheapest insurance rate.

– Auto Insurance Fraud in Pennsylvania

Auto insurance fraud is a severe crime in Pennsylvania. And, rightly so!

It increases premium rates for the rest of us as insurance companies take steps to cover for its losses.

Pennsylvania considers insurance fraud as a felony. It carries a punishment of up to seven years in prison along with $15,000 in fines.

Typical auto insurance fraud includes staging auto accidents, inflating claims bill, false reporting of vehicle theft, misrepresenting details in an insurance application, and many more.

Here are the broad types of insurance fraud:

Types of Auto Insurance Fraud

We need to be vigilant against insurance fraud. If you witness a scam or were a victim of one, please report the crime here:

 – Statute of Limitations in Pennsylvania

In Pennsylvania, the statute of limitation is two years for personal injury and property damage.

But what is a statute of limitation?

It is the time until which you can sue a third party for damages after an accident.

In the case of Pennsylvania, you have two years after an accident to step out of the no-fault system and sue the third party for personal injury or property damage.

Don’t wait until its too late.

– Vehicle Licensing Laws in Pennsylvania

You cannot drive or purchase auto insurance without a valid driver’s license.

If your driver’s license is due for renewal soon, consider opting for REAL ID compliant driver’s license.

In the following section of the guide, we will explain the license renewal procedure in Pennsylvania.

– REAL ID implementation in Pennsylvania

Have you heard about REAL ID?

It is a federal law that will require a federally acceptable identification to enter federal buildings or to board domestic flights after October 2020.

Pennsylvanians can opt for a REAL ID-compliant driver’s license that will be acceptable at federal buildings or for boarding domestic flights.

If you received your driver’s license after September 2003, then PennDOT might already have you the required documents on file.

You can apply for REAL ID online! Apply for pre-verification online, and if your PennDOT has your documents on file, you can apply for your REAL ID-compliant driver’s license online.

If you do not have the updated documents with PennDOT, you will need to visit a REAL ID Center near you.

The other federally acceptable IDs are:

  • US Passport
  • Foreign Passport
  • U.S. Military ID
  • Permanent Resident Card (Green Card)

– Penalties for Driving Without Insurance in Pennsylvania

It is mandatory to maintain liability insurance for all registered vehicles. If you are found operating a motor vehicle without the minimum liability insurance, you can face several penalties.

Let us review the penalties and challenges you may face if you are caught driving without insurance:

Financial Penalty: If you are found operating a car without liability insurance, you would have to pay a fine of anywhere between $100 to $500.

For repeat occurrences, the penalty can increase to as high as $1,000. You will also have to pay license and registration restoration fee.

License Suspension: You can face three months of license suspension that can potentially increase to six months. However, it can also include registration suspension and impounding of the vehicle.

Jail: If you are a repeat offender or caused an accident without insurance, you can be jailed for a period of time.

Financial Repercussion: Regardless of the penalty, you are putting yourself at substantial financial risk by driving without insurance.

If you cause a serious accident, you will have to pay for the damages out of pocket that can potentially consume your financial assets.

Impact on Insurance Policy: If you were ever caught driving without insurance, you might find that insurers are not too keen to write you a policy or your premium rate may increase substantially.

– Teen Driving Laws in Pennsylvania

Approximately 100,000 teens aged between 16 and 17 are licensed annually in Pennsylvania.

Teen Driving Stages in Pennsylvania

The licensing laws in Pennsylvania allow for a three-stage method for teen drivers. It will enable teens to learn driving in a step-by-step process.

A teen can apply for a learner’s permit at the age of 16. The learner’s permit essentially allows teen drivers to learn under the supervision of experienced drivers.

To qualify for the Junior Driver’s license, a teen has to undertake 65 hours of supervised learning. Of the 65, 10 of those hours must be in nighttime and five hours in inclement weather.

For a Junior License, you also need to pass a road test along with completing a driving education course.  The Junior License restricts the nighttime driving hours along with passenger age and number.

To get an unrestricted driver’s license, the teen must be 18 or have held the Junior License for a minimum of 12 months. The teen also has to make sure the record is clean, and there are no penalties or suspension on the Junior License.

If you are applying for a driver’s license before October 2020, it will make sense to get a REAL ID compliant driver’s license.

– License Renewal Procedure in Pennsylvania

The unrestricted driver’s license has a four-year validity in Pennsylvania. If you are older than 65, you can choose for a two or four-year renewal cycle.

The good thing is that you can choose to renew the license online. No need to go to the DMV office.

– New Resident Licensing Procedure on Pennsylvania

If you have just moved to Pennsylvania, you must obtain the PA driver’s license within 60 days of establishing residency in the state.

You have to visit the nearest DMV to exchange the out-of-state driver’s license for a PA driver’s license. However, you do not have to write the knowledge test if you have a valid out-of-state driver’s license.

– Rules of the Road in Pennsylvania

Following rules and regulations on the road are critical for everyone’s safety on the road.

That’s not all, following road rules keeps the driving record clean and thus keeps premium rates from rising!

Let us do a quick recap of the road rules in Pennsylvania.

– Fault vs. No-Fault

Pennsylvania is a choice state where you can opt for full tort or limited tort system of insurance. With limited tort, you can save on premium but let go your right to sue the third party for small damages.

You can also opt for full tort where you keep the right to sue for damages.

– Seat belt and car seat laws in Pennsylvania

Seat Belts, coupled with airbags, are vital to passenger safety in a car.

Which is why it is mandatory for driver and front seat passenger to wear seat belts. If you are not wearing seatbelts may attract a $10 fine for the first offense.

Children younger than two years must be rear-facing child restraint seats whereas children between the ages of two and four must be in forward-facing child restraint seats.

Children eight years or older can use adult seatbelts. However, it is the driver’s responsibility for child restraint, and failure to use seatbelts can attract a $75 penalty.

– Keep Right and Move Over Laws

You are required to keep right unless you are passing a vehicle turning right or driving slow.

You are also required to vacate the closest lane or slow down if you see an emergency vehicle stopped with flashing lights.

– Speed Limits in Pennsylvania

Type of RoadSpeed Limit (mph)
Rural Interstates70
Urban Interstates70
Other limited access road70
Other roads55

– Ridesharing Laws in Pennsylvania

If you drive for Uber, Lyft, or any other ridesharing company, you should be aware of the different types of coverage you need to drive in Pennsylvania.

Ridesharing insurance optionsIn insurance parlance, there are four scenarios when you are operating a vehicle for a ridesharing company.

First, when you are offline. In this case, you are expected to maintain your private auto insurance policy. However, you should also let your insurance provider know that you also drive for a ridesharing company.

Next, are the cases when you are either picking a passenger or dropping a passenger. In that case, Uber/Lyft should provide you the $1,000,000 liability and collision coverage. Please note that there is generally a $1,000 to $2,000 deductible for the collision coverage.

The last bit is the scenario in which you are logged in to the application but are yet to accept a ride. In such a case, you should purchase ‘gap insurance.’ In Pennsylvania,  Erie, Geico, Liberty Mutual, and Progressive offer gap insurance for drivers.

– Automation on the Road in Pennsylvania

Pennsylvania recently approved its first automated car road tests in October 2018. Uber and Aurora are using this opportunity to test their cars in the state.

Safety Laws

A reckless or impaired driver is a danger on the road to everybody.

Pennsylvania has strict laws to prevent this behavior from drivers.

– DUI Laws in Pennsylvania

In 2017, there were 314 alcohol-impaired driving fatalities on the road in Pennsylvania. Thirty-one of these fatalities were for drivers below the age of 21.

Pennsylvania Alcohol-impaired fatalities

With alcohol-related fatalities at par with the national average, we see strict penalties to deter people from drunk driving in Pennsylvania.

OFFENSEDRIVING PRIVILEGESIMPRISONMENTFINEOTHER
FIRSTNo minimumUp to six months probation$300Alcohol highway safety school
SECONDOne year license revocationfive days to six months$300-$2,500Alcohol highway safety school; one year of IID
THIRDOne-year license revocationten days to two years$500-$5,000Alcohol highway safety school; one year of IID; treatment when ordered

The lookback period in Pennsylvania is ten years.

The lookback period is the time frame in which any offense is counted as subsequent offense and attracts a harsher penalty.

– Marijuana-Impaired Driving Laws in Pennsylvania

In Pennsylvania, law enforcement can book a person if his or her marijuana residue is THC per se (1 nanogram) or more.

Remember: If you ingest Marijuana, you can have residue for days, weeks or even month. This may result in a DUI charge.

– Distracted Driving Laws in Pennsylvania

The laws in Pennsylvania doesn’t prohibit drivers from using handheld devices or cellphones. However, you are not allowed to use text messaging while driving. You can be stopped and fined as distracted driving is a primary offense in Pennsylvania.

Driving in Pennsylvania

There are certain factors that you can control to get a better premium rate; however, you can’t control everything.

For instance, car theft, fatality rate, or traffic congestion are few factors that also impact your rates because of the direct correlation with the probability of a claim.

You can look at these data points in the next few sections.

– Vehicle Theft in Pennsylvania

Make & ModelYear of VehicleThefts
Honda Accord1997544
Honda Civic1998539
Ford Pickup (Full Size)2006303
Toyota Camry2014269
Nissan Altima2015261
Chevrolet Impala2006224
Toyota Corolla2014210
Chevrolet Pickup (Full Size)2003203
Jeep Cherokee/Grand Cherokee1999188
Chevrolet Malibu2015159

Honda Accord was the most stolen vehicle in Pennsylvania.

To search for city data for motor vehicle theft, you can refer to the table below.

CityMotor
vehicle
theft
Abington Township, Montgomery County28
Adamstown0
Adams Township, Butler County0
Akron0
Albion0
Aldan1
Aleppo Township0
Allegheny Township, Blair County4
Allegheny Township, Westmoreland County0
Allentown282
Altoona33
Ambler3
Ambridge7
Amity Township1
Annville Township2
Apollo0
Archbald0
Armagh Township1
Ashley2
Aspinwall1
Aston Township9
Athens1
Athens Township1
Avalon6
Avis0
Avoca1
Avonmore Boro0
Baden0
Baldwin Borough15
Bally0
Bangor5
Beaver4
Beaver Falls18
Bedford1
Bedminster Township1
Bell Acres0
Bellevue11
Bellwood1
Ben Avon0
Ben Avon Heights0
Bensalem Township68
Berlin0
Bern Township3
Berwick6
Bethel Park3
Bethel Township, Berks County3
Bethlehem348
Bethlehem Township10
Biglerville0
Birdsboro1
Birmingham Township1
Blairsville1
Blair Township1
Blakely1
Blawnox0
Blossburg0
Boyertown4
Brackenridge2
Braddock0
Braddock Hills0
Bradford7
Bradford Township0
Brecknock Township, Berks County1
Brentwood8
Briar Creek Township0
Bridgeville1
Bridgewater0
Brighton Township0
Bristol12
Bristol Township76
Brockway1
Brookhaven1
Brookville1
Brownsville4
Bryn Athyn0
Buckingham Township5
Buffalo Township3
Buffalo Valley Regional0
Burgettstown2
Bushkill Township1
Butler Township, Butler County6
Butler Township, Luzerne County1
Butler Township, Schuylkill County0
Caernarvon Township, Berks County4
California1
Callery0
Caln Township10
Cambria Township3
Cambridge Springs0
Camp Hill1
Canonsburg0
Canton0
Carbondale5
Carlisle11
Carnegie15
Carrolltown0
Carroll Township, Washington County5
Carroll Township, York County0
Carroll Valley0
Cass Township2
Castle Shannon4
Catasauqua5
Catawissa0
Cecil Township2
Center Township6
Central Berks Regional15
Central Bucks Regional9
Chambersburg20
Charleroi Regional3
Chartiers Township3
Cheltenham Township34
Cherry Tree0
Chester100
Chester Township15
Cheswick1
Chippewa Township4
Christiana1
Churchill2
Clarion2
Clarks Summit0
Clearfield3
Cleona1
Clifton Heights7
Coaldale0
Coal Township3
Coatesville26
Cochranton0
Colebrookdale District4
Collegeville1
Collier Township1
Collingdale24
Colonial Regional7
Columbia12
Conemaugh Township, Cambria County1
Conemaugh Township, Somerset County0
Conewago Township, Adams County0
Conewango Township1
Conneaut Lake Regional1
Connellsville7
Conoy Township0
Conshohocken13
Conway2
Conyngham0
Coopersburg4
Coplay1
Coraopolis7
Cornwall0
Corry4
Coudersport0
Courtdale0
Covington Township1
Crafton5
Cranberry Township5
Crescent Township2
Cresson0
Cresson Township0
Croyle Township1
Cumberland Township, Adams County0
Cumru Township10
Curwensville1
Dallas0
Dalton1
Danville1
Darby40
Darby Township7
Darlington Township0
Delano Township0
Delaware Water Gap0
Delmont0
Denver1
Derry Township, Dauphin County7
Dickson City2
Dormont8
Douglass Township, Berks County3
Douglass Township, Montgomery County3
Downingtown10
Doylestown Township8
Dublin Borough0
Du Bois2
Duboistown0
Dunbar0
Duncansville0
Dunmore9
Dunnstable Township0
Dupont0
Duquesne22
Duryea4
Earl Township2
East Bangor0
East Bethlehem Township1
East Brandywine Township1
East Cocalico Township6
East Conemaugh0
East Coventry Township1
East Earl Township1
Eastern Adams Regional0
Eastern Pike Regional4
East Fallowfield Township0
East Franklin Township0
East Hempfield Township2
East Lampeter Township12
East Lansdowne4
East Marlborough Township0
East Norriton Township13
Easton32
East Pennsboro Township2
East Petersburg0
East Pikeland Township1
East Rochester0
East Taylor Township1
Easttown Township5
East Union Township0
East Vincent Township0
East Washington0
East Whiteland Township2
Ebensburg2
Economy1
Eddystone2
Edgewood1
Edinboro2
Edwardsville0
Elderton0
Elizabethtown0
Elizabeth Township2
Elkland0
Elk Lick Township0
Ellwood City7
Emlenton Borough0
Emmaus5
Emporium0
Emsworth0
Ephrata5
Ephrata Township2
Erie104
Etna3
Everett4
Exeter Township, Berks County4
Fairfield1
Fairview Township, Luzerne County2
Fairview Township, York County6
Falls Township, Bucks County41
Fawn Township4
Ferguson Township2
Findlay Township2
Fleetwood4
Ford City1
Forest City1
Forks Township2
Forty Fort2
Foster Township, McKean County0
Foster Township, Schuykill County0
Fountain Hill4
Fox Chapel2
Frackville3
Franconia Township1
Franklin5
Franklin Park1
Franklin Township, Beaver County0
Franklin Township, Carbon County2
Franklin Township, Columbia County0
Frazer Township1
Freedom1
Freedom Township1
Freemansburg1
Freeport0
Gaines Township0
Galeton0
Gallitzin0
Gallitzin Township0
Garrett0
Geistown0
Gettysburg2
Girard1
Girardville0
Glassport9
Glenolden4
Granville Township2
Great Bend0
Greencastle0
Greenfield Township, Blair County0
Greensburg8
Green Tree0
Greenville5
Grove City2
Halifax1
Hamburg5
Hampden Township3
Hanover4
Hanover Township, Luzerne County3
Harmar Township3
Harrisburg135
Harrisville0
Hartleton0
Harveys Lake0
Hatfield Township16
Haverford Township29
Hawley0
Hazleton27
Hegins Township1
Heidelberg1
Heidelberg Township, Berks County0
Hellam Township3
Hellertown3
Hemlock Township1
Hempfield Township, Mercer County3
Hermitage13
Highspire0
Hilltown Township7
Hollidaysburg1
Homestead18
Honesdale1
Honey Brook0
Hopewell Township3
Horsham Township21
Houston1
Hughestown0
Hughesville0
Hulmeville1
Hummelstown6
Huntingdon1
Independence Township, Beaver County0
Independence Township, Washington County0
Indiana Township4
Indian Lake0
Ingram0
Irwin4
Jackson Township, Butler County0
Jackson Township, Cambria County0
Jackson Township, Luzerne County2
Jamestown0
Jeannette0
Jefferson Hills Borough8
Jefferson Township, Lackawanna County0
Jefferson Township, Mercer County0
Jefferson Township, Washington County0
Jenkins Township6
Jennerstown0
Jermyn1
Jessup0
Jim Thorpe2
Johnsonburg0
Johnstown19
Kane1
Kenhorst3
Kennett Square7
Kennett Township1
Kidder Township2
Kilbuck Township0
Kingston6
Kingston Township1
Kiskiminetas Township0
Knox0
Kutztown5
Lake City0
Lancaster81
Lancaster Township, Butler County0
Lancaster Township, Lancaster County11
Lanesboro0
Langhorne Manor0
Lansdale5
Lansdowne16
Lansford2
Latrobe4
Laureldale2
Lawrence Park Township1
Lawrence Township, Clearfield County3
Lawrence Township, Tioga County0
Lebanon49
Leetsdale3
Leet Township0
Lehigh Township, Northampton County2
Lehigh Township, Wayne County0
Lehman Township1
Lewistown5
Liberty1
Ligonier1
Limerick Township9
Linesville0
Lititz1
Little Beaver Township0
Littlestown1
Lock Haven1
Locust Township0
Logan Township6
Loretto0
Lower Allen Township7
Lower Burrell4
Lower Frederick Township3
Lower Gwynedd Township9
Lower Heidelberg Township1
Lower Merion Township50
Lower Moreland Township6
Lower Paxton Township19
Lower Pottsgrove Township8
Lower Providence Township13
Lower Salford Township0
Lower Saucon Township1
Lower Southampton Township6
Lower Swatara Township0
Lower Windsor Township8
Macungie2
Madison Township1
Mahoning Township, Carbon County43
Mahoning Township, Montour County1
Malvern0
Manheim4
Manheim Township18
Manor1
Manor Township, Lancaster County6
Mansfield0
Marcus Hook3
Marietta0
Marion Township, Beaver County0
Marion Township, Berks County0
Marlborough Township0
Marple Township5
Martinsburg0
Marysville0
Masontown1
Mayfield0
McAdoo2
McCandless3
McDonald Borough1
McSherrystown0
Meadville7
Mechanicsburg1
Media1
Mercersburg0
Meshoppen3
Middleburg2
Middlesex Township, Butler County3
Middlesex Township, Cumberland County1
Middletown0
Middletown Township29
Midway1
Mifflinburg0
Mifflin County Regional7
Milford0
Millbourne0
Millcreek Township, Lebanon County1
Millersburg0
Millersville0
Mill Hall0
Millvale1
Millville0
Minersville3
Mohnton0
Monaca7
Monessen9
Monongahela6
Monroeville21
Montgomery0
Montgomery Township3
Montoursville2
Montour Township1
Moon Township4
Moore Township4
Moosic11
Morrisville10
Morton0
Moscow0
Mount Carmel3
Mount Carmel Township0
Mount Gretna Borough0
Mount Holly Springs1
Mount Joy3
Mount Lebanon9
Mount Oliver2
Mount Pleasant Township1
Mountville0
Muhlenberg Township8
Muncy Township0
Murrysville1
Nanticoke5
Nanty Glo0
Narberth2
Neshannock Township1
Neville Township0
New Beaver0
New Berlin0
Newberry Township10
New Bethlehem0
New Brighton5
New Castle39
New Castle Township0
New Cumberland2
New Garden Township7
New Hanover Township4
New Holland6
New Hope2
New Sewickley Township6
Newtown Township, Bucks County4
Newtown Township, Delaware County4
New Wilmington0
Norristown58
Northampton5
Northampton Township14
North Beaver1
North Belle Vernon3
North Braddock1
North Catasauqua3
North Cornwall Township2
North Coventry Township5
Northeast, Bradford County0
North East, Erie County3
Northeastern Regional2
Northern Berks Regional9
Northern Cambria Borough1
Northern Lancaster County Regional11
Northern Regional2
Northern York Regional37
North Franklin Township1
North Hopewell Township0
North Huntingdon Township27
North Lebanon Township5
North Londonderry Township0
North Middleton Township1
North Sewickley Township4
North Strabane Township7
Northumberland1
North Versailles Township7
North Wales0
Northwest Lancaster County Regional2
Norwood2
Oakdale0
Oakland0
Oakmont3
O'Hara Township4
Ohio Township0
Ohioville0
Oil City1
Old Forge3
Old Lycoming Township1
Oley Township1
Orwigsburg1
Otto Eldred Regional0
Oxford3
Palmerton1
Palmer Township8
Palmyra4
Patterson Township3
Patton0
Patton Township0
Penbrook5
Penn0
Penndel0
Penn Hills76
Pennridge Regional0
Penn Township, Butler County3
Penn Township, Westmoreland County1
Penn Township, York County4
Pequea Township1
Perkasie1
Peters Township0
Philadelphia5,493
Phoenixville8
Pine Creek Township1
Pitcairn2
Pittsburgh818
Pittston Township4
Plains Township5
Pleasant Hills1
Plumstead Township9
Plymouth Township, Montgomery County22
Pocono Mountain Regional22
Pocono Township10
Polk0
Portage0
Port Carbon0
Portersville0
Portland0
Port Vue1
Pottstown55
Pottsville18
Pringle1
Prospect0
Pulaski Township, Lawrence County2
Punxsutawney1
Pymatuning Township1
Quakertown3
Quarryville1
Raccoon Township0
Radnor Township10
Rankin6
Reading190
Redstone Township0
Reserve Township2
Rice Township0
Richland Township, Bucks County12
Richland Township, Cambria County2
Ridgway2
Ridley Park4
Ridley Township17
Ringtown0
Riverside1
Roaring Brook Township3
Roaring Creek Township0
Roaring Spring0
Robinson Township, Allegheny County10
Robinson Township, Washington County0
Rochester5
Rochester Township3
Rockledge0
Roseto2
Ross Township9
Rostraver Township8
Royersford1
Rural Valley0
Rush Township1
Ryan Township1
Salem Township, Luzerne County0
Salisbury Township13
Saltsburg0
Sandy Township4
Saxton0
Sayre1
Schuylkill Haven1
Schuylkill Township, Chester County4
Scottdale2
Scott Township, Allegheny County3
Scott Township, Columbia County0
Scott Township, Lackawanna County0
Scranton108
Selinsgrove1
Seward0
Sewickley Heights0
Shaler Township6
Shamokin7
Shamokin Dam0
Sharon21
Sharon Hill15
Sharpsville1
Shenandoah3
Shenango Township, Lawrence County6
Shenango Township, Mercer County1
Shillington3
Shinglehouse0
Shippensburg2
Shippingport0
Shiremanstown0
Shohola Township0
Silver Spring Township2
Sinking Spring2
Slate Belt Regional3
Slatington2
Slippery Rock0
Smethport0
Solebury Township2
Somerset3
Souderton2
South Abington Township2
South Annville Township0
South Beaver Township0
South Buffalo Township0
South Centre Township0
South Coatesville2
Southern Regional Lancaster County2
Southern Regional York County1
South Fayette Township0
South Fork0
South Greensburg0
South Heights0
South Londonderry Township0
South Pymatuning Township0
South Strabane Township6
Southwestern Regional4
Southwest Regional, Fayette County3
Southwest Regional, Greene County0
South Whitehall Township19
South Williamsport0
Springdale1
Springettsbury Township21
Springfield Township, Delaware County9
Springfield Township, Montgomery County6
Spring Garden Township36
Spring Township, Berks County6
Spring Township, Centre County0
State College9
St. Clair Township1
Steelton26
Stockertown0
Stoneboro0
Stowe Township13
Strasburg1
Stroud Area Regional31
Sugarcreek1
Sugarloaf Township, Luzerne County2
Summerhill Township0
Summit Township0
Sunbury16
Susquehanna0
Susquehanna Regional2
Susquehanna Township, Dauphin County12
Swarthmore0
Swatara Township13
Swissvale14
Swoyersville1
Sykesville0
Tamaqua7
Tarentum5
Tatamy0
Taylor3
Terre Hill0
Throop2
Tiadaghton Valley Regional0
Tidioute0
Tinicum Township, Bucks County0
Tinicum Township, Delaware County14
Tioga0
Titusville0
Towamencin Township0
Towanda0
Trainer0
Tredyffrin Township10
Troy0
Tullytown0
Tulpehocken Township0
Tunkhannock Township, Wyoming County0
Turtle Creek2
Tyrone0
Union City1
Uniontown10
Union Township, Lawrence County0
Upland6
Upper Allen Township2
Upper Burrell Township2
Upper Chichester Township18
Upper Darby Township120
Upper Dublin Township13
Upper Gwynedd Township1
Upper Leacock Township5
Upper Macungie Township12
Upper Makefield Township0
Upper Merion Township20
Upper Moreland Township19
Upper Nazareth Township1
Upper Perkiomen7
Upper Pottsgrove Township1
Upper Providence Township, Delaware County1
Upper Providence Township, Montgomery County9
Upper Saucon Township4
Upper Southampton Township7
Upper St. Clair Township1
Upper Uwchlan Township1
Uwchlan Township3
Valley Township3
Vandergrift0
Vandling2
Vernon Township0
Verona4
Vintondale0
Walker Township0
Wampum0
Warminster Township12
Warren0
Warrington Township6
Warwick Township, Bucks County5
Washington, Washington County18
Washington Township, Fayette County1
Washington Township, Franklin County2
Washington Township, Northampton County0
Washington Township, Westmoreland County2
Watsontown0
Waverly Township0
Waymart0
Waynesboro12
Waynesburg1
Wayne Township, Lawrence County0
Weatherly0
West Brandywine Township7
West Caln Township6
West Carroll Township0
West Chester15
West Cocalico Township0
West Conshohocken3
West Cornwall Township0
West Deer Township2
West Earl Township0
Western Berks Regional1
West Fallowfield Township0
West Goshen Township9
West Hempfield Township4
West Hills Regional4
West Homestead0
West Kittanning0
West Lebanon Township0
West Leechburg0
West Manchester Township10
West Manheim Township3
West Mead Township1
West Mifflin9
West Newton2
West Norriton Township13
West Nottingham Township0
West Penn Township0
West Pittston4
West Pottsgrove Township5
West Reading8
West Sadsbury Township1
West Salem Township3
West Shore Regional5
Westtown-East Goshen Regional10
West View0
West Vincent Township1
Whitaker Borough0
Whitehall1
Whitehall Township29
Whitemarsh Township20
White Oak10
Whitpain Township11
Wilkes-Barre Township1
Wilkinsburg60
Wilkins Township12
Williamsburg1
Williamsport23
Wilson7
Windber1
Womelsdorf1
Worthington0
Wright Township3
Wyoming5
Wyomissing3
Yardley1
Yeadon24
York193
York Area Regional16
Youngsville0

– Road Fatalities in Pennsylvania

A lot of reasons lead to fatal crashes on the road; some are human errors, while others are out of our control.

– Fatal Crashes by Weather Condition and Light Condition in Pennsylvania

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1684097100315
Rain4916234092
Snow/Sleet15172025
Other54125026
Unknown332109158242625
Total5691702974521,083

– Fatalities (All Crashes) by County in Pennsylvania

County Name20132014201520162017
Adams County5614155
Allegheny County6559547267
Armstrong County6141468
Beaver County131012517
Bedford County121371112
Berks County4133393548
Blair County241323229
Bradford County15816109
Bucks County4444565251
Butler County1825163017
Cambria County111391212
Cameron County21200
Carbon County161011129
Centre County1212152016
Chester County3334352435
Clarion County125447
Clearfield County151420916
Clinton County991069
Columbia County6111476
Crawford County291481210
Cumberland County1525132826
Dauphin County2517193036
Delaware County2726212925
Elk County874113
Erie County3430312727
Fayette County1718282223
Forest County50042
Franklin County2026252020
Fulton County19527
Greene County812659
Huntingdon County1411745
Indiana County15917217
Jefferson County857113
Juniata County651262
Lackawanna County2317192020
Lancaster County4562484442
Lawrence County81011109
Lebanon County188192122
Lehigh County3037372828
Luzerne County3938393227
Lycoming County101823159
Mc Kean County158773
Mercer County2814131510
Mifflin County95437
Monroe County2523342918
Montgomery County4038343243
Montour County12535
Northampton County1829282926
Northumberland County1569169
Perry County9711118
Philadelphia County89979410194
Pike County89764
Potter County30422
Schuylkill County2329151423
Snyder County47944
Somerset County111612811
Sullivan County01214
Susquehanna County81010159
Tioga County111051311
Union County57324
Venango County582116
Warren County43647
Washington County2929232227
Wayne County6118126
Westmoreland County3035413336
Wyoming County58427
York County4445403938

– Fatalities by Road Type in Pennsylvania

Road Type2008200920102011201220132014201520162017
Rural828649693640697629610616647607
Urban640607631646613581585581541528

– Fatalities by Person Type in Pennsylvania

Person Type20132014201520162017
Passenger Car516514478494463
Light Truck - Pickup97841128790
Light Truck - Utility140130144136136
Light Truck - Van4740483727
Light Truck - Other10220
Large Truck3128302632
Bus80312
Other/Unknown Occupants2026322021
Total Occupants860822849803771
Total Motorcyclists182185178191187
Pedestrian147161151170147
Bicyclist and Other Cyclist1119161622
Other/Unknown Nonoccupants1086810
Total Nonoccupants168188173194179
Total1,2101,1951,2001,1881,137

– Fatalities by Crash Type in Pennsylvania

Crash Type20132014201520162017
Total Fatalities (All Crashes)1,2101,1951,2001,1881,137
Single Vehicle680671678662620
Involving a Large Truck155162161165167
Involving Speeding552509540504468
Involving a Rollover272246250266213
Involving a Roadway Departure746711772669642
Involving an Intersection (or Intersection Related)224257241272252

– Five-Year Fatality Trend for the Top 10 Counties in Pennsylvania

Pennsylvania Counties by 2017 Ranking20132014201520162017
Philadelphia County89979410194
Allegheny County6559547267
Bucks County4444565251
Berks County4133393548
Montgomery County4038343243
Lancaster County4562484442
York County4445403938
Dauphin County2517193036
Westmoreland County3035413336
Chester County3334352435
Top Ten Counties474489483470490
All Other Counties735706717718647
All Counties1,2091,1951,2001,1881,137

– Fatalities Involving Speeding by County in Pennsylvania

County Name20132014201520162017
Adams County23764
Allegheny County1421172917
Armstrong County310414
Beaver County34437
Bedford County83258
Berks County2112152024
Blair County1441293
Bradford County651043
Bucks County1414222215
Butler County51071211
Cambria County87543
Cameron County20000
Carbon County68652
Centre County85568
Chester County1916211313
Clarion County83134
Clearfield County777511
Clinton County33725
Columbia County37833
Crawford County1610053
Cumberland County71481011
Dauphin County117101419
Delaware County181010911
Elk County24192
Erie County1514161012
Fayette County1111161515
Forest County50001
Franklin County8107711
Fulton County17014
Greene County47456
Huntingdon County76642
Indiana County339133
Jefferson County42322
Juniata County34251
Lackawanna County878117
Lancaster County2122241913
Lawrence County32754
Lebanon County120887
Lehigh County161018810
Luzerne County1817181012
Lycoming County691055
Mc Kean County35543
Mercer County166344
Mifflin County30102
Monroe County181717137
Montgomery County1815131115
Montour County10122
Northampton County7127126
Northumberland County41383
Perry County23823
Philadelphia County2134322229
Pike County24740
Potter County20201
Schuylkill County1010778
Snyder County23613
Somerset County74876
Sullivan County00101
Susquehanna County67636
Tioga County74074
Union County21113
Venango County40061
Warren County11233
Washington County1316141214
Wayne County463111
Westmoreland County2215191821
Wyoming County35215
York County2122271811

– Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC=.08+) by County in Pennsylvania

County Name20132014201520162017
Adams County32423
Allegheny County2122162323
Armstrong County56713
Beaver County33024
Bedford County32222
Berks County136131311
Blair County93773
Bradford County34613
Bucks County1112141716
Butler County18467
Cambria County57425
Cameron County11000
Carbon County44422
Centre County32541
Chester County141114717
Clarion County52201
Clearfield County24714
Clinton County13302
Columbia County23510
Crawford County125263
Cumberland County37387
Dauphin County636118
Delaware County66678
Elk County44052
Erie County108769
Fayette County75767
Forest County10011
Franklin County24432
Fulton County03202
Greene County05311
Huntingdon County33221
Indiana County336131
Jefferson County02320
Juniata County00321
Lackawanna County67595
Lancaster County181615147
Lawrence County22332
Lebanon County71147
Lehigh County7713115
Luzerne County11201888
Lycoming County49644
Mc Kean County54321
Mercer County55344
Mifflin County10003
Monroe County1188114
Montgomery County11134715
Montour County01201
Northampton County768145
Northumberland County10342
Perry County71314
Philadelphia County2126312322
Pike County08411
Potter County10002
Schuylkill County25425
Snyder County20501
Somerset County64425
Sullivan County00200
Susquehanna County35373
Tioga County23142
Union County12001
Venango County21031
Warren County10002
Washington County811997
Wayne County31271
Westmoreland County178161211
Wyoming County23202
York County1510161212

– Teen Drinking and Driving in Pennsylvania

Mixing drinking with driving isn’t a very safe idea, especially for teenagers, as their inexperience can result in fatal crashes.

In 2016, 365 arrests for underage DUI were registered in Pennsylvania making the state 12th highest in America for DUI arrests under 18.

Though the DUI arrest rates are high in Pennsylvania, the rate of under 21 alcohol-impaired driving fatality per 100,000 people was 0.8, much lower than the national average of 1.2.

– EMS Response Time in Pennsylvania

Road TypeTime of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Total Fatal Crashes
Rural4.7911.0839.5551.38574
Urban3.196.7028.3536.32507

– Transportation in Pennsylvania

Your average commute to work is affected by a number of factors in your city, such as the number of cars owned by households and the preferred mode of transportation.

– Car Ownership in Pennsylvania

Car Ownership in Pennsylvania

A large majority of the households in Pennsylvania own two cars, just like the average car ownership in America (illustrated in grey).

– Commute Time in Pennsylvania

Commute time in Pennsylvania

On average, workers in the US spend around 25.5 minutes on commute to work, whereas, the commute time in Pennsylvania is slightly higher at 25.7 minutes.

Moreover, around 2.86 percent of the motorists have super commutes and spend more than 90 minutes on the road to reach work.

– Commuter Transportation in Pennsylvania

Commuter transportation in Pennsylvania

Most workers in Pennsylvania prefer to drive alone to work, with only 8.51 percent choosing carpooling as their mode of transportation.

– Traffic Congestion in Pennsylvania

Philadelphia and Pittsburgh can test the patience of anyone during the traffic congestion in peak hours.

As per traffic analytics firm Inrix, Pittsburgh and Philadelphia are the 7th and 9th most congested cities in America, respectively.

In Pittsburgh, commuters lose around 127 hours in congestion while in Philadelphia, commuters lose 112 hours. As with everything else, when you lose time stranded somewhere, there’s a monetary cost attached to the lost hours.

The cost of congestion in Pittsburgh is a whopping $1,776 per driver, and in Philadelphia, the price comes to $1,568.

Now that you know how to find the best insurance coverage for your needs, you can start comparison shopping today by entering your zip code below in our FREE online tool.

References:

  1. https://www.dmv.pa.gov
  2. https://www.insurance.pa.gov
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