Pennsylvania Auto Insurance – How Much Does It Cost?

When compared with auto insurance costs by state, Pennsylvania has precise guidelines when it comes purchasing Pennsylvania auto insurance. First, Pennsylvania auto insurance is mandatory, not optional. The amount of Pennsylvania auto insurance required for every registered vehicle on Pennsylvania roads has been calculated and established by the Pennsylvania Department of Insurance, and the Pennsylvania Department of Transportation.

Although the mandatory minimums protect motorists from citations, license suspension, and fines, it doesn’t do very much to protect the motorist against the exorbitant costs associated with a serious collision. Because bare minimum auto insurance is rarely enough to cover you in the event of an accident, state insurance departments and auto insurance agents suggest carrying Pennsylvania auto insurance in coverage amounts which may be at least $100,000 for bodily injury and $300,000 per accident. Some even suggest carrying uninsured/underinsured motorist (UM/UIM) protection in the amount of $50,000 for Pennsylvania auto insurance.

So how much will all of this cost you? There is no way to establish a set amount for auto insurance costs by state. State averages have been published by various information institutes, but “average” does not apply to everyone. In addition, other factors determine how much you will pay including age, geographic location, employment, driving record, and credit history. For more information read our article, Affordable Car Insurance Quote.

When researching Pennsylvania car insurance rates you must first get quotes. By filling in a simple quote form, you can get free, no-obligation quotes.

For information on other states, read our page about auto insurance by state.