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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UPDATED: Jan 14, 2021
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|Pennsylvania Statistics Summary||Details|
|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
|Most Popular Vehicle||Honda CR-V|
State Rank: 43rd
|Total Driving Fatalities||2008-2017
Drunk Driving: 314
|Annual Average Premiums||Liability: $499/yr
Average Full Coverage Rates: $970/yr
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!
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.
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
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.
Average Car Insurance Rates in PA (Liability, Collision, Comprehensive)
|Coverage Type||Annual Costs in 2015|
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.
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.
|Medical Payments (MedPay)||252%||37%||9%|
|Uninsured/Underinsured Motorist Coverage (UUM)||66%||67%||64%|
|Personal Injury Protection (PIP) Payments||74%||71%||71%|
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.
|Company||Married 35-year old female Annual Rate||Married 35-year old male Annual Rate||Married 60-year old female Annual Rate||Married 60-year old male Annual Rate||Single 17-year old female Annual Rate||Single 17-year old male Annual Rate||Single 25-year old female Annual Rate||Single 25-year old male Annual Rate|
|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|
|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|
These are the most expensive demographic rates in Pennsylvania.
|Company||Demographic||Average Annual Rate|
|Travelers Home & Marine Ins Co||Single 17-year old female||$25,635.88|
|Travelers Home & Marine Ins Co||Single 17-year old male||$25,635.88|
|First Liberty Ins Corp||Single 17-year old female||$11,576.65|
|First Liberty Ins Corp||Single 17-year old male||$11,576.65|
|Progressive Specialty||Single 17-year old female||$8,952.27|
|Progressive Specialty||Single 17-year old male||$8,952.27|
|Allstate F&C||Single 17-year old female||$8,377.10|
|Allstate F&C||Single 17-year old male||$8,377.10|
|State Farm Mutual Auto||Single 17-year old female||$5,944.71|
|State Farm Mutual Auto||Single 17-year old male||$5,944.71|
|Nationwide P&C||Single 17-year old female||$5,346.15|
|Nationwide P&C||Single 17-year old male||$5,346.15|
|Geico Cas||Single 17-year old female||$5,122.03|
|First Liberty Ins Corp||Single 25-year old female||$5,037.27|
|First Liberty Ins Corp||Single 25-year old male||$5,037.27|
|Geico Cas||Single 17-year old male||$4,441.41|
|First Liberty Ins Corp||Married 35-year old female||$3,969.70|
|First Liberty Ins Corp||Married 35-year old male||$3,969.70|
|First Liberty Ins Corp||Married 60-year old female||$3,637.16|
|First Liberty Ins Corp||Married 60-year old male||$3,637.16|
|Progressive Specialty||Single 25-year old female||$3,557.57|
|Progressive Specialty||Single 25-year old male||$3,557.57|
|USAA||Single 17-year old female||$3,463.40|
|USAA||Single 17-year old male||$3,463.40|
|Progressive Specialty||Married 35-year old female||$2,795.84|
|Progressive Specialty||Married 35-year old male||$2,795.84|
|Allstate F&C||Single 25-year old female||$2,751.49|
|Allstate F&C||Single 25-year old male||$2,751.49|
|Allstate F&C||Married 35-year old female||$2,500.83|
|Allstate F&C||Married 35-year old male||$2,500.83|
|Progressive Specialty||Married 60-year old female||$2,498.30|
|Progressive Specialty||Married 60-year old male||$2,498.30|
|Allstate F&C||Married 60-year old female||$2,307.05|
|Allstate F&C||Married 60-year old male||$2,307.05|
|Nationwide P&C||Single 25-year old female||$2,138.83|
|Nationwide P&C||Single 25-year old male||$2,138.83|
|Travelers Home & Marine Ins Co||Single 25-year old female||$2,104.67|
|Travelers Home & Marine Ins Co||Single 25-year old male||$2,104.67|
|Geico Cas||Single 25-year old female||$2,063.97|
|Geico Cas||Married 35-year old female||$2,050.13|
|Geico Cas||Married 60-year old female||$1,932.09|
|Nationwide P&C||Married 35-year old female||$1,909.07|
|Nationwide P&C||Married 35-year old male||$1,909.07|
|Travelers Home & Marine Ins Co||Married 60-year old female||$1,882.23|
|Travelers Home & Marine Ins Co||Married 60-year old male||$1,882.23|
|State Farm Mutual Auto||Single 25-year old female||$1,859.05|
|State Farm Mutual Auto||Single 25-year old male||$1,859.05|
|Nationwide P&C||Married 60-year old female||$1,807.43|
|Nationwide P&C||Married 60-year old male||$1,807.43|
|Geico Cas||Single 25-year old male||$1,785.69|
|Geico Cas||Married 35-year old male||$1,773.78|
|Travelers Home & Marine Ins Co||Married 35-year old female||$1,747.11|
|Travelers Home & Marine Ins Co||Married 35-year old male||$1,747.11|
|State Farm Mutual Auto||Married 35-year old female||$1,685.65|
|State Farm Mutual Auto||Married 35-year old male||$1,685.65|
|Geico Cas||Married 60-year old male||$1,672.62|
|USAA||Single 25-year old female||$1,524.42|
|USAA||Single 25-year old male||$1,524.42|
|State Farm Mutual Auto||Married 60-year old female||$1,487.48|
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:
|25 Most Expensive Zip Codes in Pennsylvania||City||Average Annual Rate by Zip Code||Most Expensive Company||Most Expensive Annual Rate||2nd Most Expensive Company||2nd Most Expensive Annual Rate||Cheapest Company||Cheapest Annual Rate||2nd Cheapest Company||2nd Cheapest Annual Rate|
|19132||PHILADELPHIA||$8,485.99||Travelers||$16,434.31||Liberty Mutual||$14,953.09||USAA||$2,979.83||State Farm||$5,345.97|
|19112||PHILADELPHIA||$8,120.94||Travelers||$15,996.78||Liberty Mutual||$14,953.09||USAA||$3,040.28||State Farm||$4,159.60|
|19141||PHILADELPHIA||$7,951.26||Travelers||$15,628.00||Liberty Mutual||$11,848.69||USAA||$3,168.09||State Farm||$5,393.39|
|19126||PHILADELPHIA||$7,875.75||Travelers||$15,023.64||Liberty Mutual||$11,848.69||USAA||$3,132.85||State Farm||$4,926.72|
|19145||PHILADELPHIA||$7,875.23||Travelers||$15,797.70||Liberty Mutual||$13,185.12||USAA||$3,040.28||State Farm||$4,614.78|
|19138||PHILADELPHIA||$7,813.73||Travelers||$15,422.93||Liberty Mutual||$11,848.69||USAA||$3,018.01||State Farm||$4,962.95|
|19134||PHILADELPHIA||$7,792.20||Travelers||$15,369.32||Liberty Mutual||$13,185.12||USAA||$3,130.55||State Farm||$5,003.80|
|19131||PHILADELPHIA||$7,711.11||Travelers||$15,520.29||Liberty Mutual||$11,848.69||USAA||$2,979.83||State Farm||$5,173.58|
The 25 most expensive ZIP codes all belong to Philadelphia.
|25 Least Expensive Zip Codes in Pennsylvania||City||Average Annual Rate by Zip Codes||Most Expensive Company||Most Expensive Annual Rate||2nd Most Expensive Company||2nd Most Expensive Annual Rate||Cheapest Company||Cheapest Annual Rate||2nd Cheapest Company||2nd Cheapest Annual Rate|
|16801||STATE COLLEGE||$3,156.82||Travelers||$6,027.64||Liberty Mutual||$4,826.44||USAA||$1,384.72||GEICO||$1,816.07|
|16803||STATE COLLEGE||$3,205.35||Travelers||$6,206.11||Liberty Mutual||$4,826.44||USAA||$1,384.72||GEICO||$1,816.07|
|16828||CENTRE HALL||$3,207.80||Travelers||$5,600.96||Liberty Mutual||$4,826.44||USAA||$1,384.72||State Farm||$1,979.70|
|16802||UNIVERSITY PARK||$3,211.08||Travelers||$6,155.13||Liberty Mutual||$4,826.44||USAA||$1,384.72||GEICO||$1,816.07|
|16870||PORT MATILDA||$3,212.75||Travelers||$5,804.33||Liberty Mutual||$5,301.56||USAA||$1,385.22||GEICO||$1,816.07|
|17065||MOUNT HOLLY SPRINGS||$3,237.78||Travelers||$6,004.88||Liberty Mutual||$4,801.54||USAA||$1,561.08||GEICO||$1,897.92|
|16826||BLANCHARD||$3,242.81||Travelers||$5,623.33||Liberty Mutual||$5,301.56||USAA||$1,385.22||State Farm||$2,062.44|
|17887||WHITE DEER||$3,263.23||Travelers||$6,414.92||Liberty Mutual||$4,835.16||USAA||$1,467.86||State Farm||$2,038.07|
|17266||WALNUT BOTTOM||$3,264.01||Travelers||$6,163.01||Liberty Mutual||$4,801.54||USAA||$1,561.11||GEICO||$1,897.92|
|17343||MC KNIGHTSTOWN||$3,275.41||Travelers||$5,709.54||Liberty Mutual||$4,835.16||USAA||$1,540.87||GEICO||$2,153.91|
|17007||BOILING SPRINGS||$3,282.20||Travelers||$6,303.42||Liberty Mutual||$4,801.54||USAA||$1,561.08||GEICO||$1,897.92|
|16875||SPRING MILLS||$3,298.88||Travelers||$5,708.01||Liberty Mutual||$5,301.56||USAA||$1,384.72||State Farm||$2,096.21|
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 Pennsylvania||Average Annual Rate by City||Most Expensive Company||Most Expensive Annual Rate||2nd Most Expensive Company||2nd Most Expensive Annual Rate||Cheapest Company||Cheapest Annual Rate||2nd Cheapest Company||2nd Cheapest Annual Rate|
|Sharon Hill||$6,392.50||Travelers||$13,460.15||Liberty Mutual||$8,630.14||USAA||$2,363.32||Nationwide||$4,102.98|
|East Lansdowne||$6,347.36||Travelers||$12,468.46||Liberty Mutual||$8,630.14||USAA||$2,511.37||Nationwide||$4,210.51|
|Elkins Park||$5,727.39||Travelers||$12,174.44||Liberty Mutual||$7,629.84||USAA||$2,154.94||Nationwide||$3,745.21|
|Glenolden||$5,720.42||Travelers||$12,887.96||Liberty Mutual||$8,630.14||USAA||$2,395.86||State Farm||$3,491.05|
Philadelphia claims the title of the most expensive city in Pennsylvania for car insurance.
|10 Least Expensive Cities in Pennsylvania||Average Annual Rate by City||Most Expensive Company||Most Expensive Annual Rate||2nd Most Expensive Company||2nd Most Expensive Annual Rate||Cheapest Company||Cheapest Annual Rate||2nd Cheapest Company||2nd Cheapest Annual Rate|
|Park Forest Village||$3,205.35||Travelers||$6,206.11||Liberty Mutual||$4,826.44||USAA||$1,384.72||GEICO||$1,816.07|
|Centre Hall||$3,207.80||Travelers||$5,600.96||Liberty Mutual||$4,826.44||USAA||$1,384.72||State Farm||$1,979.70|
|University Park||$3,211.08||Travelers||$6,155.13||Liberty Mutual||$4,826.44||USAA||$1,384.72||GEICO||$1,816.07|
|Port Matilda||$3,212.75||Travelers||$5,804.33||Liberty Mutual||$5,301.56||USAA||$1,385.22||GEICO||$1,816.07|
|Mount Holly Springs||$3,237.78||Travelers||$6,004.88||Liberty Mutual||$4,801.54||USAA||$1,561.08||GEICO||$1,897.92|
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.
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.
|Company||Direct Premiums Written||AM Best Rating|
|State Farm Group||$1,779,915||A++|
|Erie Insurance Group||$1,153,856||A+|
|Allstate Insurance Group||$998,919||A+|
|Nationwide Corp. Group||$786,109||A+|
|Liberty Mutual Group||$424,106||A|
|Farmers Insurance Group||$192,162||A|
Customer Satisfaction 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 Complaints||Complaint Index|
|Penn National Insurance Company||48||1.46|
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
|Company||Average Annual Rate||Compared to State Average|
|First Liberty Ins Corp||$6,055.19||$2,020.70||33.37%|
|State Farm Mutual Auto||$2,744.22||-$1,290.27||-47.02%|
|Travelers Home & Marine Ins Co||$7,842.47||$3,807.98||48.56%|
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
|Group||Commute and Annual Mileage||Annual Average|
|Travelers||10 miles commute. 6000 annual mileage.||$7,842.47|
|Travelers||25 miles commute. 12000 annual mileage.||$7,842.47|
|Liberty Mutual||25 miles commute. 12000 annual mileage.||$6,210.14|
|Liberty Mutual||10 miles commute. 6000 annual mileage.||$5,900.24|
|Progressive||10 miles commute. 6000 annual mileage.||$4,451.00|
|Progressive||25 miles commute. 12000 annual mileage.||$4,451.00|
|Allstate||25 miles commute. 12000 annual mileage.||$4,064.08|
|Allstate||10 miles commute. 6000 annual mileage.||$3,904.16|
|State Farm||25 miles commute. 12000 annual mileage.||$2,826.63|
|Nationwide||10 miles commute. 6000 annual mileage.||$2,800.37|
|Nationwide||25 miles commute. 12000 annual mileage.||$2,800.37|
|State Farm||10 miles commute. 6000 annual mileage.||$2,661.82|
|Geico||25 miles commute. 12000 annual mileage.||$2,647.62|
|Geico||10 miles commute. 6000 annual mileage.||$2,562.81|
|USAA||25 miles commute. 12000 annual mileage.||$1,844.59|
|USAA||10 miles commute. 6000 annual mileage.||$1,742.14|
Pennsylvania Rates by Carrier and Coverage Level
|Group||Coverage Type||Annual Average|
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.
|Group||Credit History||Annual Average|
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:
|Group||Driving Record||Annual Average|
|Travelers||With 1 DUI||$9,974.88|
|Travelers||With 1 accident||$7,914.42|
|Travelers||With 1 speeding violation||$7,914.42|
|Liberty Mutual||With 1 accident||$6,328.15|
|Liberty Mutual||With 1 DUI||$6,183.64|
|Liberty Mutual||With 1 speeding violation||$6,183.64|
|Progressive||With 1 accident||$5,570.34|
|Liberty Mutual||Clean record||$5,525.34|
|Allstate||With 1 accident||$4,497.16|
|Progressive||With 1 DUI||$4,153.94|
|Progressive||With 1 speeding violation||$4,045.00|
|Allstate||With 1 DUI||$3,813.11|
|Allstate||With 1 speeding violation||$3,813.11|
|Nationwide||With 1 DUI||$3,769.26|
|Geico||With 1 accident||$3,282.78|
|State Farm||With 1 accident||$2,976.14|
|State Farm||With 1 DUI||$2,744.22|
|State Farm||With 1 speeding violation||$2,744.22|
|Nationwide||With 1 speeding violation||$2,707.29|
|Nationwide||With 1 accident||$2,703.02|
|Geico||With 1 speeding violation||$2,653.35|
|Geico||With 1 DUI||$2,568.60|
|State Farm||Clean record||$2,512.31|
|USAA||With 1 DUI||$2,126.01|
|USAA||With 1 accident||$1,992.43|
|USAA||With 1 speeding violation||$1,612.21|
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.
|Company Group/Group/Code Company Name||Direct Premiums Written||Loss Ratio||Market Share|
|State Farm Group||$1,779,915||63.70%||20.35%|
|Erie Insurance Group||$1,153,856||64.93%||13.19%|
|Allstate Insurance Group||$998,919||55.64%||11.42%|
|Nationwide Corp Group||$786,109||59.96%||8.99%|
|Liberty Mutual Group||$424,106||61.06%||4.85%|
|Farmers Insurance Group||$192,162||74.14%||2.20%|
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.
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).
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.
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.
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 Laws||Minimum Age||Passenger Restrictions||Time Restrictions|
|Learner's Permit||16||Must 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 times||65 hours, ten of which must be at night and five of which must be in inclement weather|
|Provisional License||16 years old and six months||first 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 License||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)||restrictions lifted after 12 months and age 17 if completed driver education or age 18 (min. age: 17)|
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:
- surrender their out-of-state driver’s license (valid or expired in six months or less)
- present acceptable proof of identification and residency and a Social Security card
- complete an application for a driver’s license
- pass a vision exam
- pay applicable fees
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.
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.
No one wants to get a speeding ticket. Get familiar with Pennsylvania speed limits to avoid potential fines.
|Type of Roadway||Speed Limit|
|Rural Interstates||70 mph|
|Urban Interstates||70 mph|
|Other Limited Access Roads||70 mph|
|Other Roads||55 mph|
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.
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.
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.
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+)||Pennsylvania||National|
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/Model||Most Popular Vehicle Year||Thefts|
|Ford Pickup (Full Size)||2006||303|
|Chevrolet Pickup (Full Size)||2003||203|
|Jeep Cherokee/Grand Cherokee||1999||188|
Vehicle Theft by City
The table below shows the numbers of auto theft for each town and city in Pennsylvania.
|Upper Darby Township||120|
|Lower Merion Township||50|
|Falls Township, Bucks County||41|
|Northern York Regional||37|
|Spring Garden Township||36|
|Stroud Area Regional||31|
|Abington Township, Montgomery County||28|
|North Huntingdon Township||27|
|Plymouth Township, Montgomery County||22|
|Pocono Mountain Regional||22|
|Upper Merion Township||20|
|Lower Paxton Township||19|
|South Whitehall Township||19|
|Upper Moreland Township||19|
|Upper Chichester Township||18|
|Washington, Washington County||18|
|York Area Regional||16|
|Central Berks Regional||15|
|Tinicum Township, Delaware County||14|
|East Norriton Township||13|
|Lower Providence Township||13|
|Upper Dublin Township||13|
|West Norriton Township||13|
|East Lampeter Township||12|
|Richland Township, Bucks County||12|
|Susquehanna Township, Dauphin County||12|
|Upper Macungie Township||12|
|Lancaster Township, Lancaster County||11|
|Northern Lancaster County Regional||11|
|Robinson Township, Allegheny County||10|
|West Manchester Township||10|
|Westtown-East Goshen Regional||10|
|Central Bucks Regional||9|
|Lower Gwynedd Township||9|
|Northern Berks Regional||9|
|Springfield Township, Delaware County||9|
|Upper Providence Township, Montgomery County||9|
|West Goshen Township||9|
|Jefferson Hills Borough||8|
|Lower Pottsgrove Township||8|
|Lower Windsor Township||8|
|Derry Township, Dauphin County||7|
|Lower Allen Township||7|
|Mifflin County Regional||7|
|New Garden Township||7|
|North Strabane Township||7|
|North Versailles Township||7|
|Upper Southampton Township||7|
|West Brandywine Township||7|
|Butler Township, Butler County||6|
|East Cocalico Township||6|
|Fairview Township, York County||6|
|Lower Moreland Township||6|
|Lower Southampton Township||6|
|Manor Township, Lancaster County||6|
|New Sewickley Township||6|
|Shenango Township, Lawrence County||6|
|South Strabane Township||6|
|Springfield Township, Montgomery County||6|
|Spring Township, Berks County||6|
|West Caln Township||6|
|Carroll Township, Washington County||5|
|North Coventry Township||5|
|North Lebanon Township||5|
|Upper Leacock Township||5|
|Warwick Township, Bucks County||5|
|West Pottsgrove Township||5|
|West Shore Regional||5|
|Allegheny Township, Blair County||4|
|Caernarvon Township, Berks County||4|
|Eastern Pike Regional||4|
|Exeter Township, Berks County||4|
|New Hanover Township||4|
|Newtown Township, Bucks County||4|
|Newtown Township, Delaware County||4|
|North Sewickley Township||4|
|Penn Township, York County||4|
|Schuylkill Township, Chester County||4|
|Upper Saucon Township||4|
|West Hempfield Township||4|
|West Hills Regional||4|
|Bethel Township, Berks County||3|
|Douglass Township, Berks County||3|
|Douglass Township, Montgomery County||3|
|Hanover Township, Luzerne County||3|
|Hempfield Township, Mercer County||3|
|Lawrence Township, Clearfield County||3|
|Lower Frederick Township||3|
|Mahoning Township, Carbon County4||3|
|Middlesex Township, Butler County||3|
|North Belle Vernon||3|
|North East, Erie County||3|
|Penn Township, Butler County||3|
|Roaring Brook Township||3|
|Scott Township, Allegheny County||3|
|Slate Belt Regional||3|
|Southwest Regional, Fayette County||3|
|West Manheim Township||3|
|West Salem Township||3|
|East Hempfield Township||2|
|East Pennsboro Township||2|
|East Whiteland Township||2|
|Fairview Township, Luzerne County||2|
|Franklin Township, Carbon County||2|
|Jackson Township, Luzerne County||2|
|Lehigh Township, Northampton County||2|
|North Cornwall Township||2|
|Northwest Lancaster County Regional||2|
|Pulaski Township, Lawrence County||2|
|Richland Township, Cambria County||2|
|Silver Spring Township||2|
|South Abington Township||2|
|Southern Regional Lancaster County||2|
|Sugarloaf Township, Luzerne County||2|
|Upper Allen Township||2|
|Upper Burrell Township||2|
|Washington Township, Franklin County||2|
|Washington Township, Westmoreland County||2|
|West Deer Township||2|
|Brecknock Township, Berks County||1|
|Butler Township, Luzerne County||1|
|Conemaugh Township, Cambria County||1|
|Conneaut Lake Regional||1|
|East Bethlehem Township||1|
|East Brandywine Township||1|
|East Coventry Township||1|
|East Earl Township||1|
|East Pikeland Township||1|
|East Taylor Township||1|
|Lawrence Park Township||1|
|Lower Heidelberg Township||1|
|Lower Saucon Township||1|
|Mahoning Township, Montour County||1|
|Middlesex Township, Cumberland County||1|
|Millcreek Township, Lebanon County||1|
|Mount Holly Springs||1|
|Mount Pleasant Township||1|
|Northern Cambria Borough||1|
|North Franklin Township||1|
|North Middleton Township||1|
|Old Lycoming Township||1|
|Penn Township, Westmoreland County||1|
|Pine Creek Township||1|
|Shenango Township, Mercer County||1|
|Southern Regional York County||1|
|St. Clair Township||1|
|Upper Gwynedd Township||1|
|Upper Nazareth Township||1|
|Upper Pottsgrove Township||1|
|Upper Providence Township, Delaware County||1|
|Upper St. Clair Township||1|
|Upper Uwchlan Township||1|
|Washington Township, Fayette County||1|
|Western Berks Regional||1|
|West Mead Township||1|
|West Sadsbury Township||1|
|West Vincent Township||1|
|Adams Township, Butler County||0|
|Allegheny Township, Westmoreland County||0|
|Ben Avon Heights||0|
|Briar Creek Township||0|
|Buffalo Valley Regional||0|
|Butler Township, Schuylkill County||0|
|Carroll Township, York County||0|
|Conemaugh Township, Somerset County||0|
|Conewago Township, Adams County||0|
|Cumberland Township, Adams County||0|
|Delaware Water Gap||0|
|Eastern Adams Regional||0|
|East Fallowfield Township||0|
|East Franklin Township||0|
|East Marlborough Township||0|
|East Union Township||0|
|East Vincent Township||0|
|Elk Lick Township||0|
|Foster Township, McKean County||0|
|Foster Township, Schuykill County||0|
|Franklin Township, Beaver County||0|
|Franklin Township, Columbia County||0|
|Greenfield Township, Blair County||0|
|Heidelberg Township, Berks County||0|
|Independence Township, Beaver County||0|
|Independence Township, Washington County||0|
|Jackson Township, Butler County||0|
|Jackson Township, Cambria County||0|
|Jefferson Township, Lackawanna County||0|
|Jefferson Township, Mercer County||0|
|Jefferson Township, Washington County||0|
|Lancaster Township, Butler County||0|
|Lawrence Township, Tioga County||0|
|Lehigh Township, Wayne County||0|
|Little Beaver Township||0|
|Lower Salford Township||0|
|Lower Swatara Township||0|
|Marion Township, Beaver County||0|
|Marion Township, Berks County||0|
|Mount Carmel Township||0|
|Mount Gretna Borough||0|
|New Castle Township||0|
|Northeast, Bradford County||0|
|North Hopewell Township||0|
|North Londonderry Township||0|
|Otto Eldred Regional||0|
|Roaring Creek Township||0|
|Robinson Township, Washington County||0|
|Salem Township, Luzerne County||0|
|Scott Township, Columbia County||0|
|Scott Township, Lackawanna County||0|
|South Annville Township||0|
|South Beaver Township||0|
|South Buffalo Township||0|
|South Centre Township||0|
|South Fayette Township||0|
|South Londonderry Township||0|
|South Pymatuning Township||0|
|Southwest Regional, Greene County||0|
|Spring Township, Centre County||0|
|Tiadaghton Valley Regional||0|
|Tinicum Township, Bucks County||0|
|Tunkhannock Township, Wyoming County||0|
|Union Township, Lawrence County||0|
|Upper Makefield Township||0|
|Washington Township, Northampton County||0|
|Wayne Township, Lawrence County||0|
|West Carroll Township||0|
|West Cocalico Township||0|
|West Cornwall Township||0|
|West Earl Township||0|
|West Fallowfield Township||0|
|West Lebanon Township||0|
|West Nottingham Township||0|
|West Penn Township||0|
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 Condition||Daylight||Dark, but Lighted||Dark||Dawn or Dusk||Other / Unknown||Total|
Risky and Harmful Behavior
Here are some sobering facts to keep in mind about driving-related fatalities in Pennsylvania.
Fatality Rates Rural vs. Urban
Fatalities by Person Type
|Passenger Vehicle Occupants||860||822||849||803||771|
|Bicyclist and Other Cyclist||11||19||16||16||22|
Fatalities by Crash Type
|Involving a Single Vehicle||680||671||678||662||620|
|Involving a Large Truck||155||162||161||165||167|
|Involving a Rollover||272||246||250||266||213|
|Involving a Roadway Departure||746||711||772||669||642|
|Involving an Intersection (or Intersection Related)||224||257||241||272||252|
Five-Year Trend for the Top 10 Counties
Fatalities Involving Speeding by County
Fatalities in Crashes Involving an Alcohol
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
|Location||Time of Crash to EMS Notification||Notification to Arrival||Arrival at Scene to Hospital Arrival||Time of Crash to Time of Hospital Arrival|
These are some interesting details about car ownership and commute time in Pennsylvania.
As the chart above shows, Pennsylvanians own an average of two cars.
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.
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.
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