Pennsylvania is a mandatory car insurance state with minimum coverage requirements, and drivers caught driving without valid policies may face fines of $300 and registration suspension of at least three months for their vehicle and driver’s license registration – plus restoration fees to reinstate both. Pennsylvanian drivers who go without coverage face penalties including fines of $300 as well as suspension of registration of both their vehicle and license registration – so being insured isn’t only the lawful thing to do but smart too – compare quotes from various providers in order to find the most economical rates – use car calculators or visit top rated insurers like MoneyGeek who offer quick online quote tools so drivers can quickly estimate coverage costs quickly!
MoneyGeek’s calculator helps drivers assess how much their premium will cost based on various factors that influence Pennsylvania car insurance rates, including age, gender, driving record, credit score and coverage levels. Furthermore, vehicle ownership also has an effect; certain models require more expensive repairs. Furthermore, adding teenage drivers can dramatically increase costs; insurers view them as high-risk due to their inexperience behind the wheel.
Pennsylvania car insurance rates depend heavily on how often drivers spend on the road. If you commute daily to and from work, increasing your coverage levels might help provide protection against an accident while in motion. Pennsylvania’s average full coverage car policy costs just $1981 annually or $165 monthly compared to $2,008 nationwide (Source).
Drivers can save considerable money by selecting higher liability limits, lower deductibles and other options that increase protection. Drivers looking for additional savings can also compare policies from different providers as some providers may offer discounts specifically to certain drivers – like USAA’s discount auto and home insurance provider serving military families with some of Pennsylvania’s lowest rates.
State minimum coverage provides drivers with up to $15,000 of bodily injury liability per person and $30,000 per accident, along with $5,000 each in property damage liability and personal injury protection (PIP). Drivers seeking additional coverage should consider purchasing collision and comprehensive policies; though these will typically increase rates.