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Better rates for better drivers in Pennsylvania

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Affordable car insurance in Pennsylvania

From Philadelphia to Pittsburgh and Erie to York, car insurance in Pennsylvania is more affordable with Root. Download the Root app today and start the test drive to get your car insurance quote. If you’re a good driver, you could get quality insurance and save hundreds.

How it works

Traditional auto insurance companies base your rate on your demographic data, like your age, marital status, and ZIP code. At Root, we don’t believe that’s a fair way to offer car insurance. That’s why we base your auto insurance rate primarily on how you drive.

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Visit the App Store or Google Play. Sign up in less than a minute.

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We use your smartphone to measure your driving behavior. Better driving = more savings.

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You can customize and purchase your policy, all in the Root app.

State requirements in Pennsylvania

What are the minimum auto insurance requirements in Pennsylvania?

Pennsylvania drivers are required to carry both no-fault (also called medical) and Liability insurance. PA is a no-fault state, which means your car insurance carrier will help pay for any medical bills that result from a car accident for you and your passengers, regardless of who’s at fault. We make it easy to customize your coverage in our app, and will let you know what coverage is required for Pennsylvania.

Medical coverage

The point of no-fault insurance is to limit civil suits, so you have two options when purchasing medical benefits:

  • Limited right to sue—allows you to sue only for all medical costs (not pain and suffering, unless the injury is severe) that result from a car accident. This option is cheaper for car insurance in PA.

  • Full tort right to sue—allows you to sue for both medical costs and pain and suffering, with unrestricted rights. This option raises your insurance premium and will be more expensive than the first option.

Liability coverage

Liability coverage helps to pay for Property Damage or Bodily Injuries that occur from a car accident you cause.

Minimum liability insurance in PA:

  • $15,000 (per person, per accident for Bodily Injury)

  • $30,000 total (per accident for Bodily Injury)

  • $5,000 Property Damage

What other coverages does Root offer in Pennsylvania?

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Collision

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Rental Car coverage

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Personal Injury Protection

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Medical Payments

(MedPay)

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Comprehensive

(including glass coverage)

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Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Pennsylvania?

On average, people in Pennsylvania pay $1,270[1] per year for their auto insurance, but many people are paying much more. With Root good drivers could save up to $900 a year. Download the app to get started.

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Get an auto insurance quote based primarily on how you drive. You could save hundreds.

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  1. Insure.com. Annual average rates were compiled in April 2020.

Additional Resources

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Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit joinroot.com/califaq for more information.