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.
State requirements for car insurance 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 make sure you have the minimum required car insurance in Pennsylvania.
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 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?
Rental Car coverage
Personal Injury Protection
(including glass coverage)
(included with every Root policy)
What is the average cost of car insurance in Pennsylvania?
On average, people in Pennsylvania pay $1,270 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.