Cheap car insurance in Pennsylvania for good drivers
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Affordable Pennsylvania car insurance that puts you first
Root rewards Pennsylvania drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Pennsylvania auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Pennsylvania auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Keystone State
Pennsylvania drivers have their own shorthand for getting around, especially when “the Schuylkill” is part of the conversation. Philadelphia and Pittsburgh may bookend the state, but Harrisburg, Allentown, Erie, and Scranton add plenty of Pennsylvania driving in between.
Philly traffic: I-76, better known locally as the Schuylkill Expressway, carries drivers between Philadelphia and its western suburbs.
Across Pennsylvania: The Pennsylvania Turnpike reaches toward Pittsburgh, while I-81 serves Harrisburg and Scranton and I-78 connects the Lehigh Valley with eastern Pennsylvania.
Keep it hands-free: Pennsylvania’s hands-free law prohibits using a handheld interactive mobile device while driving, including while temporarily stopped in traffic.
From Philly to Pittsburgh and beyond: Explore Pennsylvania car insurance from Root.
Pennsylvania's minimum auto insurance requirements
Pennsylvania drivers are required to carry Medical Benefits, Bodily Injury Liability, and Property Damage Liability coverage. Medical Benefits pays medical bills for you and others covered by your policy, regardless of who’s at fault in an accident. When you purchase a policy, you’ll also choose between limited tort and full tort, which affects your right to seek compensation for pain and suffering after an accident.
We make it easy to customize your coverage in our app and will make sure you have the minimum required car insurance in Pennsylvania.
The minimum required coverage amounts for Pennsylvania drivers are[1]:
Bodily Injury Liability
$15,000 per person
$30,000 per accident
Property Damage Liability
$5,000 per accident
Medical Benefits
$5,000 per person
Tort option
Limited tort or full tort
Types of Pennsylvania auto insurance we offer
Explore our Pennsylvania car insurance coverage options available below. A Rideshare & Delivery Endorsement is also available as optional coverage. You can customize your coverage and update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
First party benefits
Pennsylvania requires at least $5,000 in Medical Benefits to help pay eligible medical expenses after an accident, regardless of fault. You may also choose optional First Party Benefits for income loss, accidental death, funeral expenses, and extraordinary medical expenses.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Pennsylvania?
The average Pennsylvania driver pays $2,327 per year for full coverage car insurance [2].
Root customers looking to purchase Pennsylvania car insurance could save up to $1,300 a year.
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Pennsylvania Auto Insurance FAQs
What is the minimum car insurance required in Pennsylvania?
To legally operate a vehicle in Pennsylvania, you must carry liability insurance and Medical Benefits coverage. You must also select a tort option, either limited tort or full tort, which affects your right to seek compensation for pain and suffering after an accident.
To avoid serious expenses in the event of a major accident, you should consider additional coverage that protects:
You and others covered by your policy through optional First Party Benefits
Your vehicle with collision and comprehensive coverage
Liability insurance and Medical Benefits are required coverages in Pennsylvania, and drivers must also select a tort option when purchasing auto insurance.
Is it legal to drive without insurance in Pennsylvania?
No, you cannot legally drive without auto insurance in Pennsylvania. State law requires every driver and vehicle owner to maintain continuous liability insurance and first-party medical benefits and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Pennsylvania?
Yes. Pennsylvania requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Pennsylvania?
The easiest ways to save on your Pennsylvania car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, your driving behavior is the number one factor in determining your rate, so better driving could help you pay less for car insurance in the Keystone State.
Is Pennsylvania a no-fault car insurance state?
Pennsylvania is a choice no-fault state. Your required first-party medical benefits pay for your own medical bills after a crash, regardless of who caused it. Pennsylvania drivers may also choose Optional First Party Benefits for additional financial protection after an accident. These include Income Loss, Accidental Death, Funeral, and Extraordinary Medical Benefits.
Is auto collision insurance required in Pennsylvania?
Pennsylvania law does not require drivers to carry collision coverage. The state only requires minimum liability insurance and first-party medical benefits. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Pennsylvania?
No, Pennsylvania drivers are not required to carry uninsured/underinsured motorist coverage. Root offers optional UM / UIM coverage in Pennsylvania to help pay for eligible injuries when the at-fault driver has no insurance or not enough insurance. Insurers in Pennsylvania must offer this coverage, but you may reject it in writing. We make it easy to choose your coverage in our app.
Does Root offer full coverage car insurance in Pennsylvania?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Pennsylvania?
Pennsylvania generally does not use SR-22 filings the way many other states do. If your license is suspended for a serious violation, such as a DUI or driving without insurance, you may still need to show proof of insurance to get your driving privileges back.
What is the difference between limited tort and full tort in Pennsylvania?
When you buy auto insurance in Pennsylvania, you'll choose between limited tort and full tort. Limited tort lowers your premium, but it restricts your right to sue for pain and suffering unless you're seriously injured. Full tort costs more, but it keeps your full right to sue the at-fault driver.
Is medical coverage required on Pennsylvania auto policies?
Yes, medical coverage is required. Pennsylvania requires every auto policy to include at least $5,000 in first-party medical benefits. This coverage helps pay your medical bills after an accident, no matter who caused it.
What is Lacey's Law for teen drivers in Pennsylvania?
Lacey's Law strengthened Pennsylvania's graduated licensing rules for teen drivers. Drivers under 18 with a learner's permit must complete at least 65 hours of supervised driving, including at least 10 hours at night and 5 hours in bad weather, before taking the road test. It also limits how many young passengers junior drivers can carry.
Helpful resources for Pennsylvania drivers
Pennsylvania Insurance Department
The Pennsylvania Insurance Department regulates insurance in the state and helps consumers with insurance questions and complaints.
Pennsylvania Department of Transportation
PennDOT builds and maintains Pennsylvania's highways and bridges.
PennDOT Driver and Vehicle Services
PennDOT Driver and Vehicle Services issues driver's licenses and ID cards and handles vehicle titles and registrations.
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References
Pennsylvania Insurance Department. Auto Insurance.
Insure.com. Annual average rates were compiled in 2026.