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.
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:
Root is disrupting the broken insurance system by bringing fairness, ease, and technology to customers across the state.
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.
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.
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:
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).
Some insurance carriers offer a single limit option of $35,000 to cover the entire liability requirement.
PA drivers must carry proof of insurance while driving and must present it during traffic stops and when registering a car. Acceptable forms include:
Learn all about Root’s coverage options here:Our Coverages
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 $1,142 per year, on average—all while enjoying simple, fair car insurance.