Pennsylvania Car Insurance [Rates + Cheap Coverage Guide]

Pennsylvania's average car insurance rates are $970/yr or $80.83/mo. Pennsylvania car insurance requirements are 15/30/5 for bodily injury and property damage coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses...

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Reviewed byJoel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: May 31, 2020

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Pennsylvania Statistics SummaryDetails
Annual Road Miles

Total in State: 120,039
Vehicle Miles Driven: 99.9 billion
Vehicles
Registered in State: 10.1 million
Total Stolen: 13,040
State Population12,807,060
Most Popular Vehicle
Honda CR-V
Uninsured Motorists8%
State Rank: 43rd
Total Driving Fatalities2008-2017
Speeding: 468
Drunk Driving: 314
Annual Average PremiumsLiability: $499/yr
Collision: $327/yr
Comprehensive: $144/yr
Average Full Coverage Rates: $970/yr
Cheapest ProviderUSAA
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Pennsylvania is a state of many nicknames. It’s officially been known as the Keystone State since 1802, for its central location among the original 13 colonies, its importance in the signing of the Declaration of Independence and other early U.S. documents, and its manufacturing might.

More recently, “The State of Independence” appears on many road signs at the entrance of the commonwealth. Freedom and self-determination drove the founding of the state and of America, and they remain part of Pennsylvania today.

Some of us may want to break free from the chore of researching car insurance. With all of the options available, how do you make the right choice?

You’ve come to the right place. This is your shortcut to everything you need to know about insurance: the best coverage, information on insurers, and state laws. You’ll find all that and more here. So, let’s get started.

To search for the best car insurance rates in Pennsylvania, enter your ZIP code now!

Table of Contents

Pennsylvania Insurance Coverage and Rates

Pennsylvania requires all drivers to be insured, and looking through the many options available can make you feel overwhelmed. For the money that you must pay, you want to understand the coverage you get.

Our guide will help you get to know what you’re paying for; we’ll explain the major coverage types, insurers, average rates in Pennsylvania and other states, and much more.

So, buckle up and keep reading to learn more!

Pennsylvania Minimum Insurance Coverage

Most states require minimum coverage to ensure the financial responsibility of drivers on the road. Pennsylvania is no different, but minimum costs vary from state to state, as we can see below.

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Pennsylvania is a “no-fault” accident state, which means that you submit your claim to your insurance company. Your basic personal injury protection (PIP) or medical benefits coverage will pay for your medical bills and certain other out-of-pocket losses regardless of who caused the crash.

Unlike other “no-fault” states, Pennsylvania lets vehicle owners “opt out” of the no-fault system when they buy a car insurance policy. Insurance companies must inform customers of these coverage options: full tort or limited tort coverage.

Limited tort coverage: you can seek recovery for all medical and other out-of-pocket losses from an accident, and limited pain and suffering or other non-monetary losses unless your injuries qualify as “serious.” Recent Pennsylvania court decisions show that a “serious” injury often requires critical impairment of a bodily function or permanent and severe disfigurement.

Pennsylvania Statutes Title 75, Section 1705 features more details.

Full tort coverage: it costs more, but gives you unlimited rights to sue for medical treatment, pain and suffering, and other out-of-pocket losses when another driver causes a car crash, even if the law doesn’t define your injuries as “serious.”

Note that Pennsylvania’s no-fault car insurance system doesn’t apply to vehicle damage claims. Someone injured in an accident can file a claim for vehicle damage against the at-fault driver without limits.

All Pennsylvania drivers must have car insurance. State minimum car insurance requirements are:

  • $5,000 of Medical Benefits coverage (also known as First-Party Benefits), a form of personal injury protection, to cover medical expenses for yourself or others, regardless of fault
  • $15,000 in liability insurance to cover medical costs for injuries to one person, capped at $30,000 per accident
  • $5,000 to cover property damage if you’re at fault
  • Limited or full tort coverage

Liability insurance pays everyone owed money for property damage and/or injuries from a car accident that you or anyone under your policy has caused – drivers, passengers, pedestrians, bicyclists, etc.

The Keystone State also recognizes certain all-purpose car insurance policies as long as there is a minimum of $35,000 in total coverage.

In this video, Pennsylvania lawyer Jeff Lowenthal informs consumers about the coverage they should buy:

Remember that if you’re found at fault for a car accident and the injured drivers’ and/or passengers’ losses exceed the limits of your car insurance policy – even if you’ve met the state minimum coverage requirements – you could be responsible for the difference.

So, to protect yourself in case this happens, it makes sense to buy more than the minimum coverage required.

Forms of Financial Responsibility

Liability insurance or self-insurance, or other reliable monetary arrangements, deposits, resources, or commitments filed with PennDOT can provide proof of financial responsibility. If a law enforcement offer pulls you over, you’ll need to provide this proof.

According to PennDOT, drivers must provide proof of insurance in one of the following ways:

  • An insurance identification card from an insurer or self-insurance
  • A copy of the insurance declaration page listing the claim holder and insured cars and drivers
  • An insurance binder a licensed broker has signed
  • A copy of an application for the Pennsylvania Assigned Risk Plan
  • A signed letter from the insurance provider on company letterhead

Self-Insurance

According to the PennDOT, Pennsylvania drivers may apply to insure themselves, rather than go through an insurance company. To do this, the group or individual must get approval from the Department.

Requirements for a self-insurance proposal include:

  • A self-insurance application
  • Self-insurance security agreement
  • An income statement and completed balance sheet that demonstrates the financial standing of the person or group as of the previous year
  • A minimum of $50,000 collateral for one vehicle, and $10,000 for each additional vehicle in the form of U.S. currency, U.S. Treasury bills or notes, loans, escrow deposits, or bonds

Next, we’ll look at how much the average Pennsylvanian spends on car insurance to help you determine how much you can afford.

Premiums as a Percentage of Income

In 2014, the annual per capita disposable personal income (DPI) in Pennsylvania, after taxes were paid, was $42,414.

The average annual cost of car insurance in Pennsylvania is $950, which is two percent of the average DPI and about the same as nearby states; this number remained steady from 2012 to 2014.

The average Pennsylvanian has $3,535 each month to buy food, pay bills, etc. Car insurance will take about $79 out of that, and possibly more if your driving record isn’t entirely spotless.

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Average Car Insurance Rates in PA (Liability, Collision, Comprehensive)

Coverage TypeAnnual Costs in 2015
Liability$499.06
Collision$327.24
Comprehensive$144.21
Combined$970.51
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The above data is from the National Association of Insurance Commissioners. You can expect car insurance rates in Pennsylvania to be significantly higher for 2019 and on.

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Remember: though having the required insurance is essential, you should also buy additional coverage to protect yourself and others in case you’re in an accident.

Ready for more? Now, let’s see some stats about loss ratios in Pennsylvania.

Additional Liability Coverage

A loss ratio compares how much a company spends on claims to how much money they take in on premiums. A loss ratio of 60 percent indicates the company paid $60 on claims out of every $100 earned in premiums.

Loss Ratio201320142015
Medical Payments (MedPay)252%37%9%
Uninsured/Underinsured Motorist Coverage (UUM)66%67%64%
Personal Injury Protection (PIP) Payments74%71%71%
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Pennsylvania drivers can buy uninsured/underinsured motorist coverage to protect themselves, especially if the driver responsible for an accident doesn’t have the required minimum liability insurance.

Uninsured/underinsured motorist coverage is optional in Pennsylvania, however, as we explained earlier, a minimum of $5,000 of Medical Benefits or First-Party Benefits coverage is required.

Pennsylvania ranked 43rd in the nation in 2015 for uninsured or underinsured drivers.

How much risk you’re willing to take when you drive is up to you, whether you want to get the minimum or buy more coverage to protect yourself and your loved ones from extra costs and potential lawsuits from damaging accidents.

The experts at the Wall Street Journal advise drivers who buy liability insurance make sure that they increase the limits to 100/300/50.

In 2015, 13 percent of drivers in the U.S. and eight percent of Pennsylvania motorists were uninsured despite the potential penalties.

Add-ons, Endorsements, Riders

We know getting the complete coverage you need for an affordable price is your goal.

Some Pennsylvania drivers want to add certain types of coverage to their insurance policies to further protect themselves. These types of coverage are not required.

DriveSense is a form of usage-based insurance available in Pennsylvania via a mobile app through Esurance (an Allstate company), as is IntelliDrive by Travelers. Metromile, with mileage tracking through a free wireless device, is another option. These programs, especially if you drive fewer than 15,000 miles per year, can provide decent car insurance discounts.

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You can add many more powerful but cheap extras to your policy.

Optional coverage includes:

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)
  • Rental Reimbursement
  • Emergency Roadside Assistance
  • Mechanical Breakdown Insurance
  • Non-Owner Car Insurance
  • Modified Car Insurance Coverage
  • Classic Car Insurance

Average Car Insurance Rates by Age & Gender in PA

We partnered with Quadrant to collect the data below. As you’ll see, your gender can affect your car insurance rates in Pennsylvania.

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CompanyMarried 35-year old female Annual RateMarried 35-year old male Annual RateMarried 60-year old female Annual RateMarried 60-year old male Annual RateSingle 17-year old female Annual RateSingle 17-year old male Annual RateSingle 25-year old female Annual RateSingle 25-year old male Annual Rate
Allstate F&C$2,500.83$2,500.83$2,307.05$2,307.05$8,377.10$8,377.10$2,751.49$2,751.49
Geico Cas$2,050.13$1,773.78$1,932.09$1,672.62$5,122.03$4,441.41$2,063.97$1,785.69
First Liberty Ins Corp$3,969.70$3,969.70$3,637.16$3,637.16$11,576.65$11,576.65$5,037.27$5,037.27
Nationwide P&C$1,909.07$1,909.07$1,807.43$1,807.43$5,346.15$5,346.15$2,138.83$2,138.83
Progressive Specialty$2,795.84$2,795.84$2,498.30$2,498.30$8,952.27$8,952.27$3,557.57$3,557.57
State Farm Mutual Auto$1,685.65$1,685.65$1,487.48$1,487.48$5,944.71$5,944.71$1,859.05$1,859.05
Travelers Home & Marine Ins Co$1,747.11$1,747.11$1,882.23$1,882.23$25,635.88$25,635.88$2,104.67$2,104.67
USAA$1,148.03$1,148.03$1,037.62$1,037.62$3,463.40$3,463.40$1,524.42$1,524.42
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These are the most expensive demographic rates in Pennsylvania.

CompanyDemographicAverage Annual Rate
Travelers Home & Marine Ins CoSingle 17-year old female$25,635.88
Travelers Home & Marine Ins CoSingle 17-year old male$25,635.88
First Liberty Ins CorpSingle 17-year old female$11,576.65
First Liberty Ins CorpSingle 17-year old male$11,576.65
Progressive SpecialtySingle 17-year old female$8,952.27
Progressive SpecialtySingle 17-year old male$8,952.27
Allstate F&CSingle 17-year old female$8,377.10
Allstate F&CSingle 17-year old male$8,377.10
State Farm Mutual AutoSingle 17-year old female$5,944.71
State Farm Mutual AutoSingle 17-year old male$5,944.71
Nationwide P&CSingle 17-year old female$5,346.15
Nationwide P&CSingle 17-year old male$5,346.15
Geico CasSingle 17-year old female$5,122.03
First Liberty Ins CorpSingle 25-year old female$5,037.27
First Liberty Ins CorpSingle 25-year old male$5,037.27
Geico CasSingle 17-year old male$4,441.41
First Liberty Ins CorpMarried 35-year old female$3,969.70
First Liberty Ins CorpMarried 35-year old male$3,969.70
First Liberty Ins CorpMarried 60-year old female$3,637.16
First Liberty Ins CorpMarried 60-year old male$3,637.16
Progressive SpecialtySingle 25-year old female$3,557.57
Progressive SpecialtySingle 25-year old male$3,557.57
USAASingle 17-year old female$3,463.40
USAASingle 17-year old male$3,463.40
Progressive SpecialtyMarried 35-year old female$2,795.84
Progressive SpecialtyMarried 35-year old male$2,795.84
Allstate F&CSingle 25-year old female$2,751.49
Allstate F&CSingle 25-year old male$2,751.49
Allstate F&CMarried 35-year old female$2,500.83
Allstate F&CMarried 35-year old male$2,500.83
Progressive SpecialtyMarried 60-year old female$2,498.30
Progressive SpecialtyMarried 60-year old male$2,498.30
Allstate F&CMarried 60-year old female$2,307.05
Allstate F&CMarried 60-year old male$2,307.05
Nationwide P&CSingle 25-year old female$2,138.83
Nationwide P&CSingle 25-year old male$2,138.83
Travelers Home & Marine Ins CoSingle 25-year old female$2,104.67
Travelers Home & Marine Ins CoSingle 25-year old male$2,104.67
Geico CasSingle 25-year old female$2,063.97
Geico CasMarried 35-year old female$2,050.13
Geico CasMarried 60-year old female$1,932.09
Nationwide P&CMarried 35-year old female$1,909.07
Nationwide P&CMarried 35-year old male$1,909.07
Travelers Home & Marine Ins CoMarried 60-year old female$1,882.23
Travelers Home & Marine Ins CoMarried 60-year old male$1,882.23
State Farm Mutual AutoSingle 25-year old female$1,859.05
State Farm Mutual AutoSingle 25-year old male$1,859.05
Nationwide P&CMarried 60-year old female$1,807.43
Nationwide P&CMarried 60-year old male$1,807.43
Geico CasSingle 25-year old male$1,785.69
Geico CasMarried 35-year old male$1,773.78
Travelers Home & Marine Ins CoMarried 35-year old female$1,747.11
Travelers Home & Marine Ins CoMarried 35-year old male$1,747.11
State Farm Mutual AutoMarried 35-year old female$1,685.65
State Farm Mutual AutoMarried 35-year old male$1,685.65
Geico CasMarried 60-year old male$1,672.62
USAASingle 25-year old female$1,524.42
USAASingle 25-year old male$1,524.42
State Farm Mutual AutoMarried 60-year old female$1,487.48
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As shown, Travelers’ rates for single 17-year-old male and female drivers are more than double that of the next closest insurer, First Liberty Insurance. Regardless of your age, gender, or marital status, it pays to find the best rates.

Pennsylvania Insurance Rates by ZIP Code

Let’s check out the most and least expensive ZIP codes in Pennsylvania, together with the average annual premiums for each insurance carrier by city and ZIP code:

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25 Most Expensive Zip Codes in PennsylvaniaCityAverage Annual Rate by Zip CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
19133PHILADELPHIA$8,527.54Travelers$16,347.78Liberty Mutual$14,953.09USAA$3,130.55Nationwide$5,516.08
19132PHILADELPHIA$8,485.99Travelers$16,434.31Liberty Mutual$14,953.09USAA$2,979.83State Farm$5,345.97
19140PHILADELPHIA$8,482.06Travelers$15,656.34Liberty Mutual$14,953.09USAA$3,130.55Nationwide$5,531.40
19142PHILADELPHIA$8,438.04Travelers$16,063.64Liberty Mutual$14,953.09USAA$3,118.87GEICO$5,402.37
19139PHILADELPHIA$8,431.95Travelers$15,900.83Liberty Mutual$14,953.09USAA$3,067.37GEICO$5,332.66
19121PHILADELPHIA$8,402.97Travelers$15,667.55Liberty Mutual$14,953.09USAA$2,979.83Nationwide$5,103.03
19143PHILADELPHIA$8,335.24Travelers$15,329.68Liberty Mutual$14,953.09USAA$3,040.28GEICO$5,332.66
19122PHILADELPHIA$8,251.79Travelers$15,965.31Liberty Mutual$14,953.09USAA$2,977.25GEICO$5,059.59
19112PHILADELPHIA$8,120.94Travelers$15,996.78Liberty Mutual$14,953.09USAA$3,040.28State Farm$4,159.60
19141PHILADELPHIA$7,951.26Travelers$15,628.00Liberty Mutual$11,848.69USAA$3,168.09State Farm$5,393.39
19120PHILADELPHIA$7,934.92Travelers$15,270.43Liberty Mutual$11,848.69USAA$3,130.55GEICO$5,059.59
19126PHILADELPHIA$7,875.75Travelers$15,023.64Liberty Mutual$11,848.69USAA$3,132.85State Farm$4,926.72
19145PHILADELPHIA$7,875.23Travelers$15,797.70Liberty Mutual$13,185.12USAA$3,040.28State Farm$4,614.78
19125PHILADELPHIA$7,867.88Travelers$15,280.25Liberty Mutual$13,185.12USAA$2,977.25GEICO$5,059.59
19124PHILADELPHIA$7,839.78Travelers$15,192.97Liberty Mutual$11,848.69USAA$3,170.44GEICO$5,059.59
19138PHILADELPHIA$7,813.73Travelers$15,422.93Liberty Mutual$11,848.69USAA$3,018.01State Farm$4,962.95
19153PHILADELPHIA$7,809.79Travelers$15,950.73Liberty Mutual$13,185.12USAA$3,040.28Nationwide$4,431.54
19134PHILADELPHIA$7,792.20Travelers$15,369.32Liberty Mutual$13,185.12USAA$3,130.55State Farm$5,003.80
19104PHILADELPHIA$7,718.61Travelers$15,015.69Liberty Mutual$14,953.09USAA$2,979.83GEICO$3,727.54
19131PHILADELPHIA$7,711.11Travelers$15,520.29Liberty Mutual$11,848.69USAA$2,979.83State Farm$5,173.58
19190PHILADELPHIA$7,619.01Travelers$15,996.78Liberty Mutual$14,953.09USAA$2,684.13GEICO$3,727.54
19109PHILADELPHIA$7,590.79Liberty Mutual$14,953.09Travelers$14,644.96USAA$2,802.84GEICO$3,727.54
19148PHILADELPHIA$7,551.17Travelers$16,231.94Liberty Mutual$13,185.12USAA$3,040.28GEICO$3,727.54
19144PHILADELPHIA$7,532.62Travelers$15,516.37Liberty Mutual$11,848.69USAA$2,864.58GEICO$4,546.01
19147PHILADELPHIA$7,504.11Travelers$15,857.48Liberty Mutual$13,185.12USAA$3,040.28GEICO$3,727.54
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The 25 most expensive ZIP codes all belong to Philadelphia.

25 Least Expensive Zip Codes in PennsylvaniaCityAverage Annual Rate by Zip CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
16823BELLEFONTE$3,116.01Travelers$5,623.33Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
16801STATE COLLEGE$3,156.82Travelers$6,027.64Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
16803STATE COLLEGE$3,205.35Travelers$6,206.11Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
17844MIFFLINBURG$3,205.40Travelers$5,668.37Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
16828CENTRE HALL$3,207.80Travelers$5,600.96Liberty Mutual$4,826.44USAA$1,384.72State Farm$1,979.70
16802UNIVERSITY PARK$3,211.08Travelers$6,155.13Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
16870PORT MATILDA$3,212.75Travelers$5,804.33Liberty Mutual$5,301.56USAA$1,385.22GEICO$1,816.07
17013CARLISLE$3,217.12Travelers$6,210.08Liberty Mutual$4,364.46USAA$1,561.10GEICO$1,897.92
17015CARLISLE$3,217.18Travelers$6,210.08Liberty Mutual$4,364.46USAA$1,561.10GEICO$1,897.92
17837LEWISBURG$3,223.56Travelers$5,861.05Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
17065MOUNT HOLLY SPRINGS$3,237.78Travelers$6,004.88Liberty Mutual$4,801.54USAA$1,561.08GEICO$1,897.92
16826BLANCHARD$3,242.81Travelers$5,623.33Liberty Mutual$5,301.56USAA$1,385.22State Farm$2,062.44
17842MIDDLEBURG$3,243.72Travelers$5,719.63Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
17887WHITE DEER$3,263.23Travelers$6,414.92Liberty Mutual$4,835.16USAA$1,467.86State Farm$2,038.07
17266WALNUT BOTTOM$3,264.01Travelers$6,163.01Liberty Mutual$4,801.54USAA$1,561.11GEICO$1,897.92
17324GARDNERS$3,275.34Travelers$5,874.51Liberty Mutual$4,801.54USAA$1,561.11GEICO$2,153.91
17343MC KNIGHTSTOWN$3,275.41Travelers$5,709.54Liberty Mutual$4,835.16USAA$1,540.87GEICO$2,153.91
17007BOILING SPRINGS$3,282.20Travelers$6,303.42Liberty Mutual$4,801.54USAA$1,561.08GEICO$1,897.92
17241NEWVILLE$3,288.08Travelers$6,018.29Liberty Mutual$4,801.54USAA$1,561.11GEICO$1,897.92
16827BOALSBURG$3,288.82Travelers$6,427.94Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
17050MECHANICSBURG$3,290.99Travelers$6,645.72Liberty Mutual$4,364.46USAA$1,561.19GEICO$1,897.92
17055MECHANICSBURG$3,291.15Travelers$6,761.33Liberty Mutual$4,364.46USAA$1,561.19GEICO$1,897.92
16875SPRING MILLS$3,298.88Travelers$5,708.01Liberty Mutual$5,301.56USAA$1,384.72State Farm$2,096.21
17889WINFIELD$3,300.90Travelers$6,327.37Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
17870SELINSGROVE$3,301.85Travelers$6,493.74Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
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Bellefonte has the cheapest ZIP code in Pennsylvania.

Pennsylvania Insurance Rates by City

Let’s see which cities have the most expensive insurance rates.

10 Most Expensive Cities in PennsylvaniaAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Philadelphia$7,482.34Travelers$15,126.36Liberty Mutual$12,538.89USAA$2,954.06GEICO$4,621.12
Sharon Hill$6,392.50Travelers$13,460.15Liberty Mutual$8,630.14USAA$2,363.32Nationwide$4,102.98
East Lansdowne$6,347.36Travelers$12,468.46Liberty Mutual$8,630.14USAA$2,511.37Nationwide$4,210.51
Collingdale$6,270.41Travelers$12,886.09Liberty Mutual$8,630.14USAA$2,511.37Nationwide$4,212.45
Millbourne$6,231.76Travelers$12,160.58Liberty Mutual$8,630.14USAA$2,207.63Nationwide$4,241.54
Bensalem$5,764.41Travelers$12,296.07Liberty Mutual$8,344.78USAA$1,908.22GEICO$3,568.65
Cheltenham$5,733.79Travelers$12,436.54Liberty Mutual$7,629.84USAA$2,456.44Nationwide$3,835.72
Elkins Park$5,727.39Travelers$12,174.44Liberty Mutual$7,629.84USAA$2,154.94Nationwide$3,745.21
Chester$5,723.20Travelers$12,415.25Liberty Mutual$8,630.14USAA$2,363.32GEICO$3,596.36
Glenolden$5,720.42Travelers$12,887.96Liberty Mutual$8,630.14USAA$2,395.86State Farm$3,491.05
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Philadelphia claims the title of the most expensive city in Pennsylvania for car insurance.

10 Least Expensive Cities in PennsylvaniaAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Bellefonte$3,116.01Travelers$5,623.33Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
Houserville$3,156.81Travelers$6,027.64Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
Park Forest Village$3,205.35Travelers$6,206.11Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
Mifflinburg$3,205.40Travelers$5,668.37Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
Centre Hall$3,207.80Travelers$5,600.96Liberty Mutual$4,826.44USAA$1,384.72State Farm$1,979.70
University Park$3,211.08Travelers$6,155.13Liberty Mutual$4,826.44USAA$1,384.72GEICO$1,816.07
Port Matilda$3,212.75Travelers$5,804.33Liberty Mutual$5,301.56USAA$1,385.22GEICO$1,816.07
Carlisle$3,217.14Travelers$6,210.08Liberty Mutual$4,364.46USAA$1,561.10GEICO$1,897.92
Lewisburg$3,223.56Travelers$5,861.05Liberty Mutual$4,835.16USAA$1,467.86GEICO$2,051.84
Mount Holly Springs$3,237.78Travelers$6,004.88Liberty Mutual$4,801.54USAA$1,561.08GEICO$1,897.92
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If you live in Bellefonte, you’ll have the cheapest area rates in the state.

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Pennsylvania Insurance Companies

With more than 10 million registered drivers in the commonwealth, there are a lot of car insurance options available, and it can be hard to settle on just one. It usually comes down to who offers the most coverage at the best price.

You’ll see lots of promises about rates and coverage, but it’s vital that insurers truly deliver on them. You’re lucky that you’re here because we’ve saved you time and done the homework for you.

It gets better: below, you’ll find company ratings, credit histories, and much more to help you narrow down the right insurance coverage for you.

Financial Ratings

AM Best assigns financial ratings to insurance companies. A good score means they’re likely to stay solvent and be able to pay customers’ claims.

CompanyDirect Premiums WrittenAM Best Rating
State Farm Group$1,779,915A++
Erie Insurance Group$1,153,856A+
Allstate Insurance Group$998,919A+
Progressive Group$875,579A+
Nationwide Corp. Group$786,109A+
Geico$706,897A++
Liberty Mutual Group$424,106A
Travelers Group$335,963A++
USAA Group$299,488A++
Farmers Insurance Group$192,162A
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Customer Satisfaction Ratings

J.D. Power Insurance Co. Ratings

Pennsylvania Companies with the Most and Least Complaints

When a consumer is unhappy with an insurer, they can file a complaint. This feedback is part of a company’s complaint ratio, which is the number of complaints a company receives per one million dollars of business.

Company# of ComplaintsComplaint Index
Liberty Mutual340.42
USAA440.68
Travelers650.84
State Farm4310.86
Erie Insurance3660.94
Nationwide2740.99
Progressive1561.04
Allstate3261.13
Penn National Insurance Company481.46
Geico2581.93
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If you’re unhappy with an insurer in Pennsylvania, you can file a complaint.

Pennsylvania Car Insurance Rates by Company

Next, let’s see the best rates on average for top Pennsylvania car insurance companies.

Cheapest Companies in Pennsylvania

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CompanyAverage Annual RateCompared to State Average
Allstate F&C$3,984.12-$50.37-1.26%
Geico Cas$2,605.22-$1,429.28-54.86%
First Liberty Ins Corp$6,055.19$2,020.7033.37%
Nationwide P&C$2,800.37-$1,234.13-44.07%
Progressive Specialty$4,451.00$416.509.36%
State Farm Mutual Auto$2,744.22-$1,290.27-47.02%
Travelers Home & Marine Ins Co$7,842.47$3,807.9848.56%
USAA$1,793.37-$2,241.13-124.97%
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Travelers tops the list and USAA is on the lowest side, but a number of other options are available in-between.

Pennsylvania Rates by Carrier and Commute

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GroupCommute and Annual MileageAnnual Average
Travelers10 miles commute. 6000 annual mileage.$7,842.47
Travelers25 miles commute. 12000 annual mileage.$7,842.47
Liberty Mutual25 miles commute. 12000 annual mileage.$6,210.14
Liberty Mutual10 miles commute. 6000 annual mileage.$5,900.24
Progressive10 miles commute. 6000 annual mileage.$4,451.00
Progressive25 miles commute. 12000 annual mileage.$4,451.00
Allstate25 miles commute. 12000 annual mileage.$4,064.08
Allstate10 miles commute. 6000 annual mileage.$3,904.16
State Farm25 miles commute. 12000 annual mileage.$2,826.63
Nationwide10 miles commute. 6000 annual mileage.$2,800.37
Nationwide25 miles commute. 12000 annual mileage.$2,800.37
State Farm10 miles commute. 6000 annual mileage.$2,661.82
Geico25 miles commute. 12000 annual mileage.$2,647.62
Geico10 miles commute. 6000 annual mileage.$2,562.81
USAA25 miles commute. 12000 annual mileage.$1,844.59
USAA10 miles commute. 6000 annual mileage.$1,742.14
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Pennsylvania Rates by Carrier and Coverage Level

GroupCoverage TypeAnnual Average
TravelersLow$7,896.86
TravelersMedium$7,848.30
TravelersHigh$7,782.26
Liberty MutualHigh$6,306.41
Liberty MutualMedium$6,098.96
Liberty MutualLow$5,760.21
ProgressiveHigh$4,809.93
ProgressiveMedium$4,484.26
AllstateHigh$4,148.08
ProgressiveLow$4,058.80
AllstateMedium$4,010.08
AllstateLow$3,794.20
State FarmHigh$2,885.58
NationwideMedium$2,835.74
NationwideLow$2,813.46
GeicoHigh$2,810.85
State FarmMedium$2,780.67
NationwideHigh$2,751.91
GeicoMedium$2,629.30
State FarmLow$2,566.42
GeicoLow$2,375.50
USAAHigh$1,907.44
USAAMedium$1,810.30
USAALow$1,662.36
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Pennsylvania Credit History Rates

Car insurance companies will usually examine your credit score to determine the rates they will offer you. Drivers who have good credit will often get better rates.

GroupCredit HistoryAnnual Average
TravelersPoor$8,534.70
Liberty MutualPoor$7,727.18
TravelersFair$7,710.22
TravelersGood$7,282.50
ProgressivePoor$5,897.08
Liberty MutualFair$5,542.86
AllstatePoor$5,093.72
Liberty MutualGood$4,895.54
ProgressiveFair$4,136.56
GeicoPoor$3,911.48
State FarmPoor$3,904.98
AllstateFair$3,798.36
ProgressiveGood$3,319.35
NationwidePoor$3,287.49
AllstateGood$3,060.28
NationwideFair$2,701.68
State FarmFair$2,418.55
NationwideGood$2,411.94
USAAPoor$2,241.67
GeicoFair$2,202.65
State FarmGood$1,909.14
GeicoGood$1,701.51
USAAFair$1,664.45
USAAGood$1,473.98
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The average Pennsylvanian has a credit score of 687, they have around three credit cards in their name, and a balance of $6,146. This score is slightly above the 2017 national credit score of 675.

Your credit score is crucial in determining your car insurance rates.

Now, let’s look at the rules of the road.

Pennsylvania Rates by Carrier and Driving Record

Here you’ll find the top carriers’ rates in Pennsylvania for certain driving penalties:

GroupDriving RecordAnnual Average
TravelersWith 1 DUI$9,974.88
TravelersWith 1 accident$7,914.42
TravelersWith 1 speeding violation$7,914.42
Liberty MutualWith 1 accident$6,328.15
Liberty MutualWith 1 DUI$6,183.64
Liberty MutualWith 1 speeding violation$6,183.64
ProgressiveWith 1 accident$5,570.34
TravelersClean record$5,566.16
Liberty MutualClean record$5,525.34
AllstateWith 1 accident$4,497.16
ProgressiveWith 1 DUI$4,153.94
ProgressiveWith 1 speeding violation$4,045.00
ProgressiveClean record$4,034.71
AllstateClean record$3,813.11
AllstateWith 1 DUI$3,813.11
AllstateWith 1 speeding violation$3,813.11
NationwideWith 1 DUI$3,769.26
GeicoWith 1 accident$3,282.78
State FarmWith 1 accident$2,976.14
State FarmWith 1 DUI$2,744.22
State FarmWith 1 speeding violation$2,744.22
NationwideWith 1 speeding violation$2,707.29
NationwideWith 1 accident$2,703.02
GeicoWith 1 speeding violation$2,653.35
GeicoWith 1 DUI$2,568.60
State FarmClean record$2,512.31
USAAWith 1 DUI$2,126.01
NationwideClean record$2,021.90
USAAWith 1 accident$1,992.43
GeicoClean record$1,916.13
USAAWith 1 speeding violation$1,612.21
USAAClean record$1,442.82
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It’s clear that even one DUI or accident can skyrocket your rates, so it’s best to drive safely and take care behind the wheel to keep them low.

Largest Car Insurance Companies in Pennsylvania

This chart shows which car insurance companies have the largest market share in the state.

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Company Group/Group/Code Company NameDirect Premiums WrittenLoss RatioMarket Share
State Farm Group$1,779,91563.70%20.35%
Erie Insurance Group$1,153,85664.93%13.19%
Allstate Insurance Group$998,91955.64%11.42%
Progressive Group$875,57958.55%10.01%
Nationwide Corp Group$786,10959.96%8.99%
Geico$706,89774.24%8.08%
Liberty Mutual Group$424,10661.06%4.85%
Travelers Group$335,96362.41%3.84%
USAA Group$299,48872.05%3.42%
Farmers Insurance Group$192,16274.14%2.20%
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Number of Insurers in Pennsylvania

Pennsylvania has a total of 166 domestic property and casualty insurers and 929 “foreign” insurers. Domestic insurance is formed under Pennsylvania law, but foreign insurance is created under the laws of any state.

Pennsylvania Laws

Every state has different laws, and some make more sense than others. It’s easy to get confused.

You’ll find everything you need to know to avoid penalties here.

Some laws, like seat belt and DUI requirements, are common knowledge, but we’ll cover distracted driving and some obscure regulations, such as drugged driving, automation, and so on to keep you safe on the road.

Car Insurance Laws

As we stated before, Pennsylvania requires every driver to have car insurance. Below you’ll find out about some of the aspects of insurance coverage, such as windshield repairs, high-risk insurance, and fraud.

Keep reading to learn how the state forms its car insurance laws.

How State Laws for Car Insurance Are Determined

State insurance commissioners administer laws and regulations, and they have considerable influence on car insurance. Each state determines the type of tort law and threshold that applies, the type and amount of liability insurance required, and how they approve insurer rates and forms.

Each state has also enacted different car seat belt requirements, drunk driving laws, and maximum speed limits.

Insurance companies in Pennsylvania are subject to the regulations the state insurance commissioner sets, which must meet the fair competition standards of the National Association of Insurance Commissioners (NAIC).

Windshield Coverage

In the Keystone State, the consumer can choose the repair vendor. It’s good to be aware, however, that no Pennsylvania law prohibits the use of aftermarket or used glass in windshield repair. Also, many auto insurance policies for Pennsylvania drivers provide a high deductible for glass replacement or don’t offer coverage.

Generally, a comprehensive insurance policy includes benefits for repair work or even a full vehicle replacement if someone steals your car or if collisions, fire, weather, and other incidents damage your vehicle. This type of insurance often has full glass replacement benefits, but not all comprehensive policies do.

With a zero-deductible full glass coverage option on your policy, your insurance company pays for the cost of the repair or replacement work up to the limits of your coverage, and you won’t need to pay a deductible. However, if the coverage limit is less than the replacement cost, you will have to fund the difference.

Pennsylvania doesn’t legally require auto insurance companies to offer zero-deductible car insurance, so you’ll need to check your coverage to see if you have it.

If you have a deductible for full glass coverage, you should compare your deductible amount against the quotes that you receive for glass repair or replacement. You also should analyze your coverage limits.

The bottom line? These details can help you determine if it’s worth filing a claim.

High-Risk Insurance

If you have several tickets, accidents, or DUI convictions on your driving records, insurance companies may see you as a “high-risk” for coverage.

So, if you struggle to get insured in the traditional marketplace, and have been denied coverage for a minimum of 60 days, you may be able to find coverage under the Pennsylvania Assigned Risk Plan (ARP). This organization will assign your policy to a carrier, however, it may cost more than a standard policy.

The Keystone State doesn’t require the filing of an SR-22 or certificate of financial responsibility for high-risk policies, however, you may need to file one to meet other states’ guidelines.

Low-Cost Insurance

Pennsylvania doesn’t currently offer a government-sponsored insurance program for low-income drivers. The best way to lower your rates is to keep a clean driving record. But, there are still many other ways to cut costs.

Ask your provider about the following potential discounts:

  • Good driver discount
  • Good student discount
  • Anti-theft device discount
  • Multi-car discount
  • Homeowner’s discount
  • Usage-based driving discount

Looking to save even more? Be sure to shop around for the most cost-effective rates.

Automobile Insurance Fraud in Pennsylvania

Insurance fraud is the second largest economic crime in America. To combat fraud, insurance companies raise premium rates dramatically and pass them on to consumers.

There are two classifications of fraud: hard and soft.

  • Hard Fraud – A purposefully fabricated claim or accident
  • Soft Fraud – A misrepresentation of information to the insurance company

Soft fraud is more common than hard fraud. Twenty to 40 percent of consumers admitted to lying to their insurer about one of the following:

  • Number of annual miles driven
  • Number of drivers in the household
  • How the vehicle would be used

In Pennsylvania, a person is guilty of insurance fraud if he or she acts in one of several ways specified in the statute “with the intent to defraud” another party, whether it’s an agency, insurer, or self-insured individual. Offenders face prison time‚ fines‚ legal fees, and more.

Any way you slice it, insurance fraud is a crime. Any willful misrepresentation of facts is known as “rate evasion” and is a $16 billion annual expense to car insurers.

If you suspect insurance fraud or have been a victim of it, contact the Pennsylvania Insurance Department to report it.

Statute of Limitations

The statute of limitations is the time you have left to file and resolve an insurance claim or bring a lawsuit. In Pennsylvania, drivers have two years to file a personal injury or a property damage insurance claim or lawsuit.

It’s easy to lose track of time. And, the closer you get to the deadline, the harder it may be to collect crucial evidence for your case. If you miss the filing deadline, you could lose the chance to seek payment for your losses.

Vehicle Licensing Laws

All Pennsylvania drivers must have a license or permit to operate a motor vehicle. The licensing process involves a series of tests to ensure each driver can operate a car safely without endangering others.

Residents can renew their registrations and drivers’ licenses, update their addresses, and even take practice driving tests through PennDOT Driver & Vehicle Services.

Penalties for Driving Without Insurance

Drivers in Pennsylvania must have valid car insurance to operate a motor vehicle legally. As we mentioned above, all residents must also be financially responsible and provide proof of insurance. If a driver is found to have had a lapse in insurance coverage, the following penalties for driving without insurance may apply:

  • A $300 fine
  • Three-month vehicle registration suspension with a restoration fee
  • Three-month license suspension with an $88 restoration fee, unless the insurance coverage lapse was less than 32 days
  • Vehicle impoundment

PennDOT might also want to prove that the vehicle in question wasn’t used during the time it wasn’t insured. If a license or registration is suspended, the driver must turn in their driver’s license, and the car’s license plate and registration sticker to PennDOT.

After their suspension period ends, drivers typically must pay fees and submit proof of a current insurance policy to restore their license and driving privileges.

Teen Driver Laws

Teens in Pennsylvania can start driving with a learner’s permit at age 16.

Young Driver Licensing LawsMinimum AgePassenger RestrictionsTime Restrictions
Learner's Permit16Must have a licensed driver of at least 21 years of age, or a parent, guardian or spouse over the age of 18 in the front seat with at all times65 hours, ten of which must be at night and five of which must be in inclement weather
Provisional License16 years old and six monthsfirst six months: no more than one passenger younger than 18; thereafter, no more than three passengers (family members excepted)Between 11 p.m. and 5 a.m.
Full License12 months and age 17 if completed driver education or age 18 (min. age: 17)restrictions lifted after 12 months and age 17 if completed driver education or age 18 (min. age: 17)restrictions lifted after 12 months and age 17 if completed driver education or age 18 (min. age: 17)
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Older Driver License Renewal

  • Drivers age 65 and older can choose to get their licenses renewed every two or every four years
  • proof of adequate vision isn’t required at every renewal
  • PennDOT allows all license holders to renew online or through the mail.

New Resident Licensing

All new residents with out-of-state non-commercial driver’s licenses must get a Pennsylvania driver’s license within 60 days of moving to the commonwealth. They must apply in person at a Driver License Center and meet these requirements:

All documents must show the same name and date of birth or an association between the information on that paperwork. Additional documentation may be required if a connection between documents cannot be established (e.g., marriage certificate, court order of name change, divorce decree, etc.)

Out-of-state learner’s permits cannot be transferred to Pennsylvania. Also, if your out-of-state driver’s license has been expired for more than six months, it can’t be transferred for a Pennsylvania license. To get a license, you must apply for a Pennsylvania learner’s permit (PDF) and complete all applicable knowledge and skills tests.

License Renewal Procedures

Pennsylvania drivers must renew their licenses every four years. Proof of adequate vision isn’t required. Drivers age 65 and older can choose to get their licenses renewed every two or every four years. PennDOT allows all license holders to renew online or through the mail.

Negligent Driving

Reckless driving, the disregard for the safety of people or property that causes injury or harm, is a form of negligence. Victims have a right to file a civil claim and seek compensation from the at-fault party. It’s based on the concept that everyone has a responsibility not to harm others.

Pennsylvania comparative negligence laws state that someone injured in a crash can hold a level of fault for the accident and still recover damages. Under this law, each party in a negligence claim is assigned a percentage of fault. This percentage reflects how much their action (or inaction) contributed to the accident and injuries.

It’s important to understand these percentages in a personal injury case. Pennsylvania follows a 51 percent comparative negligence rule, which means you can recover damages if you were found to be less than 51 percent at fault. If you’re considered more than 50 percent at fault, you can’t seek compensation for damages.

The laws provide that your degree of responsibility is directly related to the amount of compensation due to you. For example, if you’re considered to hold 20 percent of the fault, you will be entitled to only 80 percent of the settlement.

Pennsylvania attorney Tim Rayne explains the comparative negligence law:

The Pennsylvania comparative negligence laws go hand-in-hand with the Fair Share Act of Pennsylvania, which dictates that defendants can be held liable only for their share of fault.

This usually occurs when there is more than one defendant, such as a multi-car collision with an injured accident victim who files a suit against two other drivers, one who is 55 percent at fault and the other who is 45 percent at fault.

Under the Act, rather than being accountable for the whole settlement regardless of the percentage of fault, defendants are only responsible for their exact share of fault. Therefore, the driver who was 45 percent at fault would be liable only for 45 percent of the damages, and the driver 55 percent at fault would be responsible for 55 percent.

However, if a defendant is found to be 60 percent or more at fault for a crash, the Fair Share Act mandates that he or she will be accountable for the entire amount of the damages.

At this ceremony for signing the Act into law, Governor Tom Corbett explained how it would affect legal proceedings:

Rules of the Road

All Pennsylvania drivers must know and follow the state traffic laws to safely and responsibly operate a motor vehicle. When drivers violate those laws, they can receive a ticket, fine, or a suspension, depending on the severity of the violation. These penalties can affect your ability to get the best car insurance rates in Pennsylvania.

To stay safe, keep reading to learn more about Pennsylvania’s rules of the road.

Fault vs. No-Fault

As we explained earlier, Pennsylvania is a “no-fault” accident state. And, as we also mentioned, the comparative negligence laws of the Keystone State determine who is at fault for a crash. It’s important to keep this information in mind in case of an accident.

Seat Belt and Car Seat Laws

All children younger than two years must be in a rear-facing child restraint until the child outgrows the manufacturer’s top height or weight recommendations; children ages two to three years must be in a forward-facing child safety seat, and ages four through seven years in a booster seat.

Pennsylvania law doesn’t state a preference for rear-facing car seats for children.

Children ages 8-17 in all seats can wear adult safety belts.

Everyone 18 years and older who sits in the front seat must wear a seat belt. The fine for not wearing one while seated there is $10, and it’s considered a secondary offense, which means that another violation, such as running a red light, is required to enforce the law.

The maximum base fine for failing to seat children properly is $75, and an officer can pull a driver over for this offense.

Cargo areas in pick up trucks: Pennsylvania restricts sitting in cargo areas to people 18 and older if the vehicle is traveling at less than 35 mph; the law doesn’t apply to occupants 17 and younger if the cargo area is enclosed. Otherwise, the law allows people to occupy cargo areas for parades, hunting, and farming.

Keep Right and Move Over Laws

Pennsylvania state law requires drivers approaching an emergency response area, including areas where a tow truck is offering assistance, to pass in a non-adjacent lane if it’s safe and possible to do so or slow down to a safe speed. The law also applies to utility vehicles in the first 72 hours after a declared emergency or until a declared emergency expires, whichever occurs later.

Speed Limits

No one wants to get a speeding ticket. Get familiar with Pennsylvania speed limits to avoid potential fines.

Type of RoadwaySpeed Limit
Rural Interstates70 mph
Urban Interstates70 mph
Other Limited Access Roads70 mph
Other Roads55 mph
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Please note that these are only the maximum speed limits for each road type – they can vary from roadway to roadway, so pay attention to signs.

Ridesharing

Rideshare services like Uber and Lyft mandate that all their drivers carry personal car insurance policies that align or exceed the minimum coverages state law requires.

If you’re thinking of ridesharing, make sure to ask your provider if they offer ridesharing insurance. In Pennsylvania, those companies include Erie, Geico, Liberty Mutual, and Progressive.

Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS),

Automation is the use of a machine or technology to do a task or function a human once performed. In driving, automation involves using radar, camera, and other sensors to get information about a vehicle’s surroundings, which computer programs use to do all or part of the driving.

Pennsylvania law allows for automation on the road, depending on the vehicle. The Pennsylvania Department of Transportation (PennDOT) voluntary guidance authorizes testing of “highly automated vehicles.” Pennsylvania law authorizes the deployment of “highly automated work zone vehicles” effective April 22, 2019.

PennDOT voluntary guidance requires a licensed operator to test “highly automated vehicles,” but Pennsylvania law doesn’t address operator licensing for “highly automated work zone vehicles.” The law requires an operator to occupy the vehicle to test “highly automated vehicles,” but “highly automated work zone vehicles” don’t require an operator.

Safety Laws

Traffic laws are designed to keep everyone safe. PennDOT offers some general driving safety tips and more resources at its website.

For more information about state safety laws, read on.

DUI Laws

The Blood-Alcohol Content (BAC) limit in Pennsylvania is 0.08 percent, and the high BAC limit is 0.16 percent.

Percent of Alcohol-Impaired Driving Fatalities Involving high BAC drivers (.15+)PennsylvaniaNational
BAC=.15+69.770.1
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The BAC in the table above is among drivers with a known alcohol test result.

In this video, Pennsylvania State Police Trooper Brent Miller explains recent DUI law changes:

Drug-Impaired Driving Laws

Pennsylvania not only bans driving while under the influence of marijuana, it’s also illegal to drive with any amount over one nanogram per milliliter of THC, the active ingredient in marijuana that causes a “high,” or its metabolites, in the blood.

Under the Per Se law for DUI of marijuana, prosecutors don’t have to show that your driving was impaired. Aspects of Per Se laws to remember:

  • Unlike DWI tests that establish blood-alcohol content (BAC) levels within two hours of driving, cannabinoid levels need only to show in your bloodstream at the time of arrest.
  • Ethanol, the intoxicating compound in alcohol, is water-soluble, meaning it’s quickly expelled from your system.
  • Cannabinoids like THC bind with fatty cells – they remain in your bloodstream long after the intoxicating effects are gone.
  • Drug testing is a two-step process in which the state’s lab first identifies the drug and then runs more complex procedures to confirm that drug’s concentration in your blood.

Anyone can be charged with a drug DUI even if they’re not impaired while driving because the metabolites, or residue from the drug, can stay in the body for days, weeks, and possibly even months later.

Distracted Driving Laws

Since the smartphone became popular, distracted driving has become as dangerous as driving under the influence of substances.

Pennsylvania state law bans texting for all drivers, however, they can use handheld devices. State law supersedes any local distracted driving laws.

And remember: in Pennsylvania, an officer can pull you over just for texting on your phone. So, it’s better to be safe than sorry and save the texting for off the road.

Pennsylvania Can’t-Miss Facts

Let’s check out some Pennsylvania vehicle theft and crash statistics.

Vehicle Theft in Pennsylvania

These are the top stolen vehicles:

Make/ModelMost Popular Vehicle YearThefts
Honda Accord1997544
Honda Civic1998539
Ford Pickup (Full Size)2006303
Toyota Camry2014269
Nissan Altima2015261
Chevrolet Impala2006224
Toyota Corolla2014210
Chevrolet Pickup (Full Size)2003203
Jeep Cherokee/Grand Cherokee1999188
Chevrolet Malibu2015159
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Vehicle Theft by City

The table below shows the numbers of auto theft for each town and city in Pennsylvania.

CityMotor
vehicle
theft
Philadelphia5,493
Pittsburgh818
Allentown282
York193
Reading190
Harrisburg135
Upper Darby Township120
Scranton108
Erie104
Chester100
Lancaster81
Bristol Township76
Penn Hills76
Bensalem Township68
Wilkinsburg60
Norristown58
Pottstown55
Lower Merion Township50
Lebanon49
Bethlehem348
Falls Township, Bucks County41
Darby40
New Castle39
Northern York Regional37
Spring Garden Township36
Cheltenham Township34
Altoona33
Easton32
Stroud Area Regional31
Haverford Township29
Middletown Township29
Whitehall Township29
Abington Township, Montgomery County28
Hazleton27
North Huntingdon Township27
Coatesville26
Steelton26
Collingdale24
Yeadon24
Williamsport23
Duquesne22
Plymouth Township, Montgomery County22
Pocono Mountain Regional22
Horsham Township21
Monroeville21
Sharon21
Springettsbury Township21
Chambersburg20
Upper Merion Township20
Whitemarsh Township20
Johnstown19
Lower Paxton Township19
South Whitehall Township19
Upper Moreland Township19
Beaver Falls18
Homestead18
Manheim Township18
Pottsville18
Upper Chichester Township18
Washington, Washington County18
Ridley Township17
Hatfield Township16
Lansdowne16
Sunbury16
York Area Regional16
Baldwin Borough15
Carnegie15
Central Berks Regional15
Chester Township15
Sharon Hill15
West Chester15
Northampton Township14
Swissvale14
Tinicum Township, Delaware County14
Conshohocken13
East Norriton Township13
Hermitage13
Lower Providence Township13
Salisbury Township13
Stowe Township13
Swatara Township13
Upper Dublin Township13
West Norriton Township13
Bristol12
Columbia12
East Lampeter Township12
Richland Township, Bucks County12
Susquehanna Township, Dauphin County12
Upper Macungie Township12
Warminster Township12
Waynesboro12
Wilkins Township12
Bellevue11
Carlisle11
Lancaster Township, Lancaster County11
Moosic11
Northern Lancaster County Regional11
Whitpain Township11
Bethlehem Township10
Caln Township10
Cumru Township10
Downingtown10
Morrisville10
Newberry Township10
Pocono Township10
Radnor Township10
Robinson Township, Allegheny County10
Tredyffrin Township10
Uniontown10
West Manchester Township10
Westtown-East Goshen Regional10
White Oak10
Aston Township9
Central Bucks Regional9
Dunmore9
Glassport9
Limerick Township9
Lower Gwynedd Township9
Monessen9
Mount Lebanon9
Northern Berks Regional9
Plumstead Township9
Ross Township9
Springfield Township, Delaware County9
State College9
Upper Providence Township, Montgomery County9
West Goshen Township9
West Mifflin9
Brentwood8
Dormont8
Doylestown Township8
Greensburg8
Jefferson Hills Borough8
Lower Pottsgrove Township8
Lower Windsor Township8
Muhlenberg Township8
Palmer Township8
Phoenixville8
Rostraver Township8
West Reading8
Ambridge7
Bradford7
Clifton Heights7
Colonial Regional7
Connellsville7
Coraopolis7
Darby Township7
Derry Township, Dauphin County7
Ellwood City7
Hilltown Township7
Kennett Square7
Lower Allen Township7
Meadville7
Mifflin County Regional7
Monaca7
New Garden Township7
North Strabane Township7
North Versailles Township7
Shamokin7
Tamaqua7
Upper Perkiomen7
Upper Southampton Township7
West Brandywine Township7
Wilson7
Avalon6
Berwick6
Butler Township, Butler County6
Center Township6
East Cocalico Township6
Fairview Township, York County6
Hummelstown6
Jenkins Township6
Kingston6
Logan Township6
Lower Moreland Township6
Lower Southampton Township6
Manor Township, Lancaster County6
Monongahela6
New Holland6
New Sewickley Township6
Rankin6
Shaler Township6
Shenango Township, Lawrence County6
South Strabane Township6
Springfield Township, Montgomery County6
Spring Township, Berks County6
Upland6
Warrington Township6
West Caln Township6
Bangor5
Buckingham Township5
Carbondale5
Carroll Township, Washington County5
Catasauqua5
Crafton5
Cranberry Township5
Easttown Township5
Emmaus5
Ephrata5
Franklin5
Greenville5
Hamburg5
Kutztown5
Lansdale5
Lewistown5
Marple Township5
Nanticoke5
New Brighton5
Northampton5
North Coventry Township5
North Lebanon Township5
Penbrook5
Plains Township5
Rochester5
Tarentum5
Upper Leacock Township5
Warwick Township, Bucks County5
West Pottsgrove Township5
West Shore Regional5
Wyoming5
Allegheny Township, Blair County4
Beaver4
Boyertown4
Brownsville4
Caernarvon Township, Berks County4
Castle Shannon4
Chippewa Township4
Colebrookdale District4
Coopersburg4
Corry4
Duryea4
Eastern Pike Regional4
East Lansdowne4
Everett4
Exeter Township, Berks County4
Fawn Township4
Fleetwood4
Fountain Hill4
Glenolden4
Hanover4
Indiana Township4
Irwin4
Latrobe4
Lower Burrell4
Manheim4
Moon Township4
Moore Township4
New Hanover Township4
Newtown Township, Bucks County4
Newtown Township, Delaware County4
North Sewickley Township4
O'Hara Township4
Palmyra4
Penn Township, York County4
Pittston Township4
Ridley Park4
Sandy Township4
Schuylkill Township, Chester County4
Southwestern Regional4
Upper Saucon Township4
Verona4
West Hempfield Township4
West Hills Regional4
West Pittston4
Ambler3
Bern Township3
Bethel Park3
Bethel Township, Berks County3
Buffalo Township3
Cambria Township3
Charleroi Regional3
Chartiers Township3
Clearfield3
Coal Township3
Douglass Township, Berks County3
Douglass Township, Montgomery County3
Etna3
Frackville3
Hampden Township3
Hanover Township, Luzerne County3
Harmar Township3
Hellam Township3
Hellertown3
Hempfield Township, Mercer County3
Hopewell Township3
Kenhorst3
Lawrence Township, Clearfield County3
Leetsdale3
Lower Frederick Township3
Mahoning Township, Carbon County43
Marcus Hook3
McCandless3
Meshoppen3
Middlesex Township, Butler County3
Minersville3
Montgomery Township3
Mount Carmel3
Mount Joy3
North Belle Vernon3
North Catasauqua3
North East, Erie County3
Oakmont3
Old Forge3
Oxford3
Patterson Township3
Penn Township, Butler County3
Quakertown3
Roaring Brook Township3
Rochester Township3
Scott Township, Allegheny County3
Shenandoah3
Shillington3
Slate Belt Regional3
Somerset3
Southwest Regional, Fayette County3
Taylor3
Uwchlan Township3
Valley Township3
West Conshohocken3
West Manheim Township3
West Salem Township3
Wright Township3
Wyomissing3
Annville Township2
Ashley2
Brackenridge2
Burgettstown2
Cass Township2
Cecil Township2
Churchill2
Clarion2
Conway2
Crescent Township2
Dickson City2
Du Bois2
Earl Township2
East Hempfield Township2
East Pennsboro Township2
East Whiteland Township2
Ebensburg2
Eddystone2
Edinboro2
Elizabeth Township2
Ephrata Township2
Fairview Township, Luzerne County2
Ferguson Township2
Findlay Township2
Forks Township2
Forty Fort2
Fox Chapel2
Franklin Township, Carbon County2
Gettysburg2
Granville Township2
Grove City2
Jackson Township, Luzerne County2
Jim Thorpe2
Kidder Township2
Lansford2
Laureldale2
Lehigh Township, Northampton County2
Macungie2
McAdoo2
Middleburg2
Montoursville2
Mount Oliver2
Narberth2
New Cumberland2
New Hope2
North Cornwall Township2
Northeastern Regional2
Northern Regional2
Northwest Lancaster County Regional2
Norwood2
Pitcairn2
Pulaski Township, Lawrence County2
Reserve Township2
Richland Township, Cambria County2
Ridgway2
Roseto2
Scottdale2
Shippensburg2
Silver Spring Township2
Sinking Spring2
Slatington2
Solebury Township2
Souderton2
South Abington Township2
South Coatesville2
Southern Regional Lancaster County2
Sugarloaf Township, Luzerne County2
Susquehanna Regional2
Throop2
Turtle Creek2
Upper Allen Township2
Upper Burrell Township2
Vandling2
Washington Township, Franklin County2
Washington Township, Westmoreland County2
West Deer Township2
West Newton2
Aldan1
Amity Township1
Armagh Township1
Aspinwall1
Athens1
Athens Township1
Avoca1
Bedford1
Bedminster Township1
Bellwood1
Birdsboro1
Birmingham Township1
Blairsville1
Blair Township1
Blakely1
Brecknock Township, Berks County1
Bridgeville1
Brockway1
Brookhaven1
Brookville1
Bushkill Township1
Butler Township, Luzerne County1
California1
Camp Hill1
Cheswick1
Christiana1
Cleona1
Collegeville1
Collier Township1
Conemaugh Township, Cambria County1
Conewango Township1
Conneaut Lake Regional1
Coplay1
Covington Township1
Croyle Township1
Curwensville1
Dalton1
Danville1
Denver1
East Bethlehem Township1
East Brandywine Township1
East Coventry Township1
East Earl Township1
East Pikeland Township1
East Taylor Township1
Economy1
Edgewood1
Fairfield1
Ford City1
Forest City1
Franconia Township1
Franklin Park1
Frazer Township1
Freedom1
Freedom Township1
Freemansburg1
Girard1
Halifax1
Hegins Township1
Heidelberg1
Hemlock Township1
Hollidaysburg1
Honesdale1
Houston1
Hulmeville1
Huntingdon1
Jermyn1
Kane1
Kennett Township1
Kingston Township1
Lawrence Park Township1
Lehman Township1
Liberty1
Ligonier1
Lititz1
Littlestown1
Lock Haven1
Lower Heidelberg Township1
Lower Saucon Township1
Madison Township1
Mahoning Township, Montour County1
Manor1
Masontown1
McDonald Borough1
Mechanicsburg1
Media1
Middlesex Township, Cumberland County1
Midway1
Millcreek Township, Lebanon County1
Millvale1
Montour Township1
Mount Holly Springs1
Mount Pleasant Township1
Murrysville1
Neshannock Township1
North Beaver1
North Braddock1
Northern Cambria Borough1
North Franklin Township1
North Middleton Township1
Northumberland1
Oil City1
Old Lycoming Township1
Oley Township1
Orwigsburg1
Palmerton1
Penn Township, Westmoreland County1
Pequea Township1
Perkasie1
Pine Creek Township1
Pleasant Hills1
Port Vue1
Pringle1
Punxsutawney1
Pymatuning Township1
Quarryville1
Riverside1
Royersford1
Rush Township1
Ryan Township1
Sayre1
Schuylkill Haven1
Selinsgrove1
Sharpsville1
Shenango Township, Mercer County1
Southern Regional York County1
Springdale1
St. Clair Township1
Strasburg1
Sugarcreek1
Swoyersville1
Union City1
Upper Gwynedd Township1
Upper Nazareth Township1
Upper Pottsgrove Township1
Upper Providence Township, Delaware County1
Upper St. Clair Township1
Upper Uwchlan Township1
Washington Township, Fayette County1
Waynesburg1
Western Berks Regional1
West Mead Township1
West Sadsbury Township1
West Vincent Township1
Whitehall1
Wilkes-Barre Township1
Williamsburg1
Windber1
Womelsdorf1
Yardley1
Adamstown0
Adams Township, Butler County0
Akron0
Albion0
Aleppo Township0
Allegheny Township, Westmoreland County0
Apollo0
Archbald0
Avis0
Avonmore Boro0
Baden0
Bally0
Bell Acres0
Ben Avon0
Ben Avon Heights0
Berlin0
Biglerville0
Blawnox0
Blossburg0
Braddock0
Braddock Hills0
Bradford Township0
Briar Creek Township0
Bridgewater0
Brighton Township0
Bryn Athyn0
Buffalo Valley Regional0
Butler Township, Schuylkill County0
Callery0
Cambridge Springs0
Canonsburg0
Canton0
Carrolltown0
Carroll Township, York County0
Carroll Valley0
Catawissa0
Cherry Tree0
Clarks Summit0
Coaldale0
Cochranton0
Conemaugh Township, Somerset County0
Conewago Township, Adams County0
Conoy Township0
Conyngham0
Cornwall0
Coudersport0
Courtdale0
Cresson0
Cresson Township0
Cumberland Township, Adams County0
Dallas0
Darlington Township0
Delano Township0
Delaware Water Gap0
Delmont0
Dublin Borough0
Duboistown0
Dunbar0
Duncansville0
Dunnstable Township0
Dupont0
East Bangor0
East Conemaugh0
Eastern Adams Regional0
East Fallowfield Township0
East Franklin Township0
East Marlborough Township0
East Petersburg0
East Rochester0
East Union Township0
East Vincent Township0
East Washington0
Edwardsville0
Elderton0
Elizabethtown0
Elkland0
Elk Lick Township0
Emlenton Borough0
Emporium0
Emsworth0
Foster Township, McKean County0
Foster Township, Schuykill County0
Franklin Township, Beaver County0
Franklin Township, Columbia County0
Freeport0
Gaines Township0
Galeton0
Gallitzin0
Gallitzin Township0
Garrett0
Geistown0
Girardville0
Great Bend0
Greencastle0
Greenfield Township, Blair County0
Green Tree0
Harrisville0
Hartleton0
Harveys Lake0
Hawley0
Heidelberg Township, Berks County0
Highspire0
Honey Brook0
Hughestown0
Hughesville0
Independence Township, Beaver County0
Independence Township, Washington County0
Indian Lake0
Ingram0
Jackson Township, Butler County0
Jackson Township, Cambria County0
Jamestown0
Jeannette0
Jefferson Township, Lackawanna County0
Jefferson Township, Mercer County0
Jefferson Township, Washington County0
Jennerstown0
Jessup0
Johnsonburg0
Kilbuck Township0
Kiskiminetas Township0
Knox0
Lake City0
Lancaster Township, Butler County0
Lanesboro0
Langhorne Manor0
Lawrence Township, Tioga County0
Leet Township0
Lehigh Township, Wayne County0
Linesville0
Little Beaver Township0
Locust Township0
Loretto0
Lower Salford Township0
Lower Swatara Township0
Malvern0
Mansfield0
Marietta0
Marion Township, Beaver County0
Marion Township, Berks County0
Marlborough Township0
Martinsburg0
Marysville0
Mayfield0
McSherrystown0
Mercersburg0
Middletown0
Mifflinburg0
Milford0
Millbourne0
Millersburg0
Millersville0
Mill Hall0
Millville0
Mohnton0
Montgomery0
Morton0
Moscow0
Mount Carmel Township0
Mount Gretna Borough0
Mountville0
Muncy Township0
Nanty Glo0
Neville Township0
New Beaver0
New Berlin0
New Bethlehem0
New Castle Township0
New Wilmington0
Northeast, Bradford County0
North Hopewell Township0
North Londonderry Township0
North Wales0
Oakdale0
Oakland0
Ohio Township0
Ohioville0
Otto Eldred Regional0
Patton0
Patton Township0
Penn0
Penndel0
Pennridge Regional0
Peters Township0
Polk0
Portage0
Port Carbon0
Portersville0
Portland0
Prospect0
Raccoon Township0
Redstone Township0
Rice Township0
Ringtown0
Roaring Creek Township0
Roaring Spring0
Robinson Township, Washington County0
Rockledge0
Rural Valley0
Salem Township, Luzerne County0
Saltsburg0
Saxton0
Scott Township, Columbia County0
Scott Township, Lackawanna County0
Seward0
Sewickley Heights0
Shamokin Dam0
Shinglehouse0
Shippingport0
Shiremanstown0
Shohola Township0
Slippery Rock0
Smethport0
South Annville Township0
South Beaver Township0
South Buffalo Township0
South Centre Township0
South Fayette Township0
South Fork0
South Greensburg0
South Heights0
South Londonderry Township0
South Pymatuning Township0
Southwest Regional, Greene County0
South Williamsport0
Spring Township, Centre County0
Stockertown0
Stoneboro0
Summerhill Township0
Summit Township0
Susquehanna0
Swarthmore0
Sykesville0
Tatamy0
Terre Hill0
Tiadaghton Valley Regional0
Tidioute0
Tinicum Township, Bucks County0
Tioga0
Titusville0
Towamencin Township0
Towanda0
Trainer0
Troy0
Tullytown0
Tulpehocken Township0
Tunkhannock Township, Wyoming County0
Tyrone0
Union Township, Lawrence County0
Upper Makefield Township0
Vandergrift0
Vernon Township0
Vintondale0
Walker Township0
Wampum0
Warren0
Washington Township, Northampton County0
Watsontown0
Waverly Township0
Waymart0
Wayne Township, Lawrence County0
Weatherly0
West Carroll Township0
West Cocalico Township0
West Cornwall Township0
West Earl Township0
West Fallowfield Township0
West Homestead0
West Kittanning0
West Lebanon Township0
West Leechburg0
West Nottingham Township0
West Penn Township0
West View0
Whitaker Borough0
Worthington0
Youngsville0
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Dangers on the Road in Pennsylvania

Below you’ll find data on how weather and light conditions factored in car crash deaths.

Fatal Crashes by Weather Condition and Light Condition

Fewer crashes occurred in adverse conditions (rain, snow, and sleet) compared to normal road conditions.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1684097100315
Rain4916234092
Snow/Sleet15172025
Other54125026
Unknown332109158242625
TOTAL5691702974521,083
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Risky and Harmful Behavior

Here are some sobering facts to keep in mind about driving-related fatalities in Pennsylvania.

Fatality Rates Rural vs. Urban

Roadway Type2008200920102011201220132014201520162017
Rural828649693640697629610616647607
Urban640607631646613581585581541528
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Fatalities by Person Type

Person Type20132014201520162017
Passenger Vehicle Occupants860822849803771
Motorcyclists182185178191187
Pedestrian147161151170147
Bicyclist and Other Cyclist1119161622
Other/Unknown Nonoccupants1086810
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Fatalities by Crash Type

Crash Type20132014201520162017
Involving a Single Vehicle680671678662620
Involving a Large Truck155162161165167
Involving Speeding552509540504468
Involving a Rollover272246250266213
Involving a Roadway Departure746711772669642
Involving an Intersection (or Intersection Related)224257241272252
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Five-Year Trend for the Top 10 Counties

County20132014201520162017
Philadelphia County89979410194
Allegheny County6559547267
Bucks County4444565251
Berks County4133393548
Montgomery County4038343243
Lancaster County4562484442
York County4445403938
Dauphin County2517193036
Westmoreland County3035413336
Chester County3334352435
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Fatalities Involving Speeding by County

County20132014201520162017
Philadelphia2134322229
Berks2112152024
Westmoreland2215191821
Dauphin117101419
Allegheny1421172917
Bucks1414222215
Fayette1111161515
Montgomery1815131115
Washington1316141214
Chester1916211313
Lancaster2122241913
Erie1514161012
Luzerne1817181012
Butler51071211
Clearfield777511
Cumberland71481011
Delaware181010911
Franklin8107711
York2122271811
Lehigh161018810
Bedford83258
Centre85568
Schuylkill1010778
Beaver34437
Lackawanna878117
Lebanon120887
Monroe181717137
Greene47456
Northampton7127126
Somerset74876
Susquehanna67636
Clinton33725
Lycoming691055
Wyoming35215
Adams23764
Armstrong310414
Clarion83134
Fulton17014
Lawrence32754
Mercer166344
Tioga74074
Blair1441293
Bradford651043
Cambria87543
Columbia37833
Crawford1610053
Indiana339133
McKean35543
Northumberland41383
Perry23823
Snyder23613
Union21113
Warren11233
Carbon68652
Elk24192
Huntingdon76642
Jefferson42322
Mifflin30102
Montour10122
Forest50001
Juniata34251
Potter20201
Sullivan00101
Venango40061
Wayne463111
Cameron20000
Pike24740
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Fatalities in Crashes Involving an Alcohol

County20132014201520162017
Allegheny2122162323
Philadelphia2126312322
Chester141114717
Bucks1112141716
Montgomery11134715
York1510161212
Berks136131311
Westmoreland178161211
Erie108769
Dauphin636118
Delaware66678
Luzerne11201888
Butler18467
Cumberland37387
Fayette75767
Lancaster181615147
Lebanon71147
Washington811997
Cambria57425
Lackawanna67595
Lehigh7713115
Northampton768145
Schuylkill25425
Somerset64425
Beaver33024
Clearfield24714
Lycoming49644
Mercer55344
Monroe1188114
Perry71314
Adams32423
Armstrong56713
Blair93773
Bradford34613
Crawford125263
Mifflin10003
Susquehanna35373
Bedford32222
Carbon44422
Clinton13302
Elk44052
Franklin24432
Fulton03202
Lawrence22332
Northumberland10342
Potter10002
Tioga23142
Warren10002
Wyoming23202
Centre32541
Clarion52201
Forest10011
Greene05311
Huntingdon33221
Indiana336131
Juniata00321
McKean54321
Montour01201
Pike08411
Snyder20501
Union12001
Venango21031
Wayne31271
Cameron11000
Columbia23510
Jefferson02320
Sullivan00200
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Teen Drinking and Driving

In Pennsylvania, in 2016 there were 365 arrests of teens under age 18 for drinking and driving. That amounted to roughly 136 arrests per million people. The state ranks 12th overall for the number of underage DUI arrests.

The percentage of alcohol-impaired driving fatalities per 100,000 of the population in 2016 for those under 21 in Pennsylvania was 0.8, which was lower than the national average of 1.2.

EMS Response Times

LocationTime of Crash to EMS NotificationNotification to ArrivalArrival at Scene to Hospital ArrivalTime of Crash to Time of Hospital Arrival
Rural5.7210.8641.5551.94
Urban2.696.8528.5536.28
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Transportation

These are some interesting details about car ownership and commute time in Pennsylvania.

Car Ownership

As the chart above shows, Pennsylvanians own an average of two cars.

Commute Time

At 25.6 minutes, Pennsylvania drivers have a slightly longer commute time than the national average of 25.3 minutes. Only three percent of Pennsylvanians have a “super commute” of 90 minutes or more.

Commuter Transportation

Seventy-six percent of drivers drove alone in their commutes, more than carpooling or taking public transportation.

According to the TomTom Traffic Index, three Pennsylvania cities are among the most traffic-congested: Philadelphia, Pittsburgh, and Allentown.

  • Philadelphia: it’s the state’s most congested city. Worldwide, it ranks 125th on the list of most traffic-congested cities, at 23 percent overall. In the daytime, congestion reaches 37 percent, and in the evening, it rises to 49 percent.
  • Pittsburgh: Pennsylvania’s second most congested city ranked 146th worldwide. Overall congestion is 19 percent. In the mornings, commute time reaches 30 percent, and in the evening it increases to 39 percent.
  • Allentown: ranked 163rd worldwide, it has an overall congestion level of 17 percent; in the daytime, it reaches 21 percent, and in the evening, 32 percent.

We hope you’ve found this comprehensive guide useful and that you’ve learned something about Pennsylvania car insurance and laws.

Ready to roll? Compare car insurance today — enter your ZIP code to start saving!

References:

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  45. https://www.iihs.org/iihs/topics/laws/safetybeltuse?topicName=safety-belts
  46. https://drivinglaws.aaa.com/tag/move-over-law/
  47. https://www.nolo.com/legal-encyclopedia/i-was-hit-by-an-uber-or-lyft-driver-what-now.html
  48. https://www.iihs.org/iihs/topics/laws/driving-automation
  49. https://www.legis.state.pa.us//cfdocs/Legis/CSM/showMemoPublic.cfm?chamber=H&SPick=20170&cosponId=24841
  50. https://www.penndot.gov/TravelInPA/Safety/TrafficSafetyAndDriverTopics/Pages/General-Driving-Safety.aspx
  51. https://www.tibbottrichardson.com/dui-defense/marijuana-dui/
  52. https://www.mystatecollegelawyer.com/2018/07/pennsylvania-medical-marijuana-drug-dui-laws/
  53. https://www.iihs.org/iihs/topics/laws/cellphonelaws
  54. https://www.tomtom.com/en_gb/trafficindex/list?citySize=ALL&continent=NA&country=US

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