Finding cheap car insurance in Pennsylvania requires understanding the Keystone State's unique insurance options. Pennsylvania offers a choice between "full tort" and "limited tort" coverage, which significantly affects both your rates and your rights after an accident.
Pennsylvania's diverse market from urban Philadelphia to rural areas creates varied pricing. Understanding Pennsylvania car insurance options helps you find the best coverage.
Pennsylvania Car Insurance Requirements
Pennsylvania requires minimum liability coverage of 15/30/5—$15,000 for bodily injury per person, $30,000 per accident, and $5,000 for property damage. First-party medical benefits of $5,000 are also required.
The choice between full tort and limited tort significantly impacts your premium. Limited tort costs less but restricts your ability to sue for pain and suffering unless injuries meet certain thresholds.
What Affects Pennsylvania Car Insurance Rates
Your location within Pennsylvania dramatically impacts your car insurance rates. Philadelphia has the highest premiums due to traffic, accidents, and fraud. Pittsburgh has moderate rates, while rural Pennsylvania enjoys the lowest premiums.
Your tort election choice is a major factor in Pennsylvania auto insurance pricing. Limited tort can reduce premiums by 15-20% but limits your legal rights.
How to Save on Pennsylvania Auto Insurance
Comparing quotes from multiple insurers is essential for finding cheap car insurance in Pennsylvania. Consider quotes under both tort options to understand the price difference.
Take advantage of Pennsylvania's discount opportunities including safe driver, multi-policy, good student, and anti-theft device discounts. Defensive driving courses can also reduce premiums.