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.
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.
