Pennsylvania
Pennsylvania

Find out how much you can save on Pennsylvania car insurance.

Download the app. Take a test drive around the Keystone State. Get a free quote.

Why choose Root for your Pennsylvania car insurance policy?

Fair car insurance has arrived in the Keystone State. First came the signing of the Declaration of Independence and now comes the new frontier of car insurance—Root. (Ring the Liberty Bell!) Founded on the principle of fairness, good drivers can finally save up to 52% with Root.

What makes Root different from traditional insurers in PA?

We base rates primarily on how you actually drive, not just your demographics like age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download a free app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy—all within the app. And because we don’t insure high-risk drivers, good driving Pennsylvanians save up to 52%.

Root is disrupting the broken insurance system by bringing fairness, ease, and technology to customers across the state.

The worst 30% of drivers
cause 50% of accidents1
Bad drivers cause 50% of accidents

It’s a good time to be a good driver in Pennsylvania.

Since PA is now an electronic proof of insurance state, you’ll always have legal proof of coverage on hand. (Root policyholders can find their electronic proof of insurance right in the Root app.) Root’s competitive quotes and simple app prove that car insurance can be affordable and easy for the best drivers of PA—from Pittsburgh to Philadelphia, Harrisburg to Allentown, and in every corner of the Keystone State.

What are the minimum car insurance requirements in PA?

Pennsylvania drivers are required to carry both no-fault (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.

Minimum medical coverage

You must carry at least $5,000 in medical benefits on your insurance policy. The point of no-fault insurance is to limit civil suits, so you have two options when purchasing medical benefits:

  • Option 1: 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.
  • Option 2: Full tort right to sue — allows you to sue for both medical costs and pain and suffering, with unrestricted rights. This option raises your premium.

Liability coverage helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what medical coverage is for) or your vehicle (but Collision and Comprehensive coverages do).

Minimum liability coverage PA drivers must carry:

  • $15,000 per person, per accident for bodily injury
  • $30,000 total per accident for bodily injury

Some insurance carriers offer a single limit option of $35,000 to cover the entire liability requirement.

Proof of insurance:

PA drivers must carry proof of insurance while driving and must present it during traffic stops and when registering a car. Acceptable forms include:

  • An insurance ID card issued by your insurance carrier (electronic versions like the one in the Root app work, too)
  • A copy of the declaration page from your insurance policy
  • An insurance binder
  • A signed letter from your insurance carrier on official letterhead
  • A copy of your Pennsylvania Assigned Risk Plan application

Fines and penalties when you’re caught without insurance:

  • A minimum fine of $300
  • Driver’s license and registration suspension for 3 months
  • $91 reinstatement fee for vehicle registration
  • Impoundment of your car

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Personal Injury Protection
  • Uninsured/Underinsured Motorist Bodily Injury (UM/UIM)
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What is the average cost of car insurance in Pennsylvania?

The average Pennsylvanian pays $1,313 2 per year for their auto policy, but many people are paying much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers are saving up to $1,187 per year, on average—all while enjoying simple, fair car insurance.

What our customers tell us

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Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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