Pennsylvania
- ~$45–$60
- ~$140–$170
- $15K/$30K/$5K
Pennsylvania has moderate to high car insurance costs influenced by urban traffic, weather conditions, and a no-fault insurance system with options for tort claims. Dense metropolitan areas like Philadelphia and Pittsburgh contribute to accident frequency.
Find a local Auto Insurance agents in your town:
Pennsylvania Auto Insurance Facts *
Drivers
- ~8.6–8.8 million licensed drivers as of 2023.
- ~89% household vehicle ownership.
- Popular vehicles include sedans and SUVs.
- Uninsured motorist rate around 11%.
- Public transportation heavily used in major cities.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~75,000 | ~21,000 | 1,050 |
| 2019 | ~77,000 | ~21,500 | 1,080 |
| 2020 | ~68,000 | ~18,900 | 970 |
| 2021 | ~70,500 | ~19,500 | 1,000 |
| 2022 | ~72,000 | ~20,000 | 1,020 |
Laws & Regulations
- No-fault insurance system with optional tort claims.
- Proof of insurance required at registration.
