Pennsylvania Car Insurance Guide
(Cheap Rates + Best Companies)
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UPDATED: Oct 9, 2020
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Vehicle Honda CR-V
Uninsured Motorists 7.60
Pennsylvania is home to a rich history. Philadelphia, a major city in Pennsylvania, has witnessed major revolutionary events like the signing of the Declaration of Independence and the Constitution. So if you live in Pennsylvania, you may just find yourself humming Hamilton songs when you visit historical sights.
A less-interesting past time when living in this historically rich state, though, is purchasing car insurance.
We understand that researching car insurance can be hard, as there are tons of resources to slog through. To help you avoid wasting valuable time, we’ve done all the hard work for you.
Our guide will cover everything you need to know about car insurance in Pennsylvania, from car insurance rates to must-know driving laws. Keep reading for the only guide you need to learn about Pennsylvania’s car insurance.
And if you’re ready to compare quotes today, use our FREE tool above.
Pennsylvania Car Insurance Coverage and Rates
Every state has different rates. Some states simply have more expensive for car insurance because of several factors, such as what coverages the states require.
In all states, you can expect to pay a significant amount each month on car insurance. The good news is that with careful planning, you can bring your costs down to a manageable level while still getting great coverage.
To see how much car insurance in Pennsylvania will cost, we will go through the required coverages in Pennsylvania and the factors that influence rates in Pennsylvania.
Pennsylvania’s Car Culture
Before we get into coverage and rates, let’s see what vehicles most Pennsylvania residents own.
According to The Hartford, Pennsylvania drivers stick with “practical vehicles,” such as SUVs and minivans.
This doesn’t mean the car culture in Pennsylvania is limited to minivans. The Hartford says there are numerous racetracks in Pennsylvania, such as the NASCAR race track.
So if you move to Pennsylvania, don’t be surprised if your minivan-driving neighbors are enthusiastic.
Pennsylvania Minimum Coverage
Unless you want heavy fines, you’ll need to have Pennsylvania’s minimum coverage on your vehicle. NOLO lists the required minimum coverages as follows:
|Pennsylvania Required Coverage||Minimum Coverage Amount||Purpose|
|Bodily Injury Liability||$15,000 per person|
$30,000 per accident
|For when you cause an accident and injure someone else|
|Property Damage Liability||$5,000 per accident||For when you cause an accident and damage someone else's property|
|Medical Benefits Coverage||$5,000||Pays medical bills of anyone under the policy after an accident (regardless of who caused the accident)|
In Pennsylvania, an all-purpose policy (of at least $35,000 total coverage) can also suffice to meet Pennsylvania’s minimum requirements. Bear in mind that these are just the minimum requirements.
It’s always better to have more than the state minimum, as better coverage will help prevent the possibility of you paying out of pocket in an accident.
Forms of Financial Responsibility
A form of financial responsibility is simply a form showing you are following the law by having car insurance. The Pennsylvania Department of Transportation (PennDOT) says the following forms of financial responsibility are acceptable:
- Insurance ID card
- Declaration page of an issued insurance policy
- Valid insurance binder (temporary proof of insurance valid for 30 or 60 days)
- Copy of application for Pennsylvania Assigned Risk Plan
- Letter from your insurance carrier that verifies financial responsibility
Pennsylvania also allows drivers to provide electronic proof of insurance. This means that you can download the electronic version of your ID card onto your phone and show it to officers.
Of course, we also recommend that you carry a paper version in case of technical difficulties.
Premiums as a Percentage of Income
A percentage of your annual income is eaten up every year by car insurance payments. To see what percentage of Pennsylvania residents’ income goes toward car insurance, let’s take a look at three years of data that we brought you by partnering with Quadrant.
|Insurance as % of Income||2.23%||2.28%||2.24%|
You may be wondering what disposable income is. Disposable income is the amount you have left to spend after paying taxes.
The percentage of income going to car insurance has remained steady over the years, which is good news. While the cost of car insurance did increase slightly, the average income also increased, meaning the percentage didn’t change drastically.
The percentage of income going to car insurance in Pennsylvania in 2014 is just under the 2014 countrywide average of 2.4 percent.
Pennsylvania’s percentage of income going to car insurance is solidly in the middle out of all states, neither the cheapest nor the most expensive (the most expensive state is 3.5 percent, while the cheapest is 1.42 percent).
So rest assured that Pennsylvania is average — you won’t be paying exorbitant amounts of income on car insurance. If you want to see what percentage of income you spend on car insurance each year, try out our free calculator below.
Average Monthly Car Insurance Rates in PA (Liability, Collision, Comprehensive)
Let’s break down the average premium in Pennsylvania by looking at the cost of different core coverages from the National Association of Insurance Commissioners (NAIC).
|Coverage Type||Average Annual Costs|
NAIC’s data is based on the state minimum, so you may find car insurance costs to be a little higher.
Pennsylvania’s average is $20 less than the countrywide average, so insurance costs in Pennsylvania are average. While they won’t be the cheapest, they also won’t cost you a month’s paycheck.
To see if the additional coverages in Pennsylvania are worth the added cost, we are going to take a look at their loss ratios. Why do we care about loss ratios?
Because loss ratios show us whether or not companies are profitable and stable.
- A High Loss Ratio (over 75 percent) indicates that the companies underestimated the frequency and severity of losses and how much premium would be needed to cover them. A high loss ratio is a good indicator of future rate increases.
- A Low Loss Ratio (under 35 percent) could indicate that companies overestimated the frequency and severity of claims or overpriced their policies.
Broken down further, this means that if a company has a loss ratio of 50, it is paying out $50 in claims for every $100 earned in premiums.
With this in mind, let’s take a look at loss ratios for additional liability coverages in Pennsylvania.
|Additional Liability Coverage in Pennsylvania||Loss Ratio - 2013||Loss Ratio - 2014||Loss Ratio - 2015|
|Personal Injury Protection (PIP)||73.89%||71.08%||71.28%|
|Medical Payments (Med Pay)||252.44%||37.16%||9.24%|
|Uninsured/Underinsured Motorist Coverage||65.97%||66.61%||63.50%|
While PIP’s loss ratios have remained steady at a fantastic percentage, MedPay’s loss ratios were extremely high in 2013 before plummeting to less than 10 percent in 2015.
As for uninsured and underinsured’s loss ratios, the percentages look decent, as they’ve stayed steadily around 60 percent. What is uninsured and underinsured additional coverage?
If you are in an accident with uninsured or underinsured drivers, they will likely be unable to pay your accident costs if they are at fault. If you don’t have additional coverage protecting you from uninsured/underinsured drivers, you’ll be forced to pay out of pocket.
The good news is Pennsylvania is ranked as 43rd in the U.S. for its number of uninsured drivers. This means that only 7.6 percent of drivers on the road in Pennsylvania are uninsured.
Still, to eliminate your chance of having to pay out pocket, consider getting additional coverage.
Add-Ons, Endorsements, and Riders
Thought we were done talking about your options for car insurance coverages? Not quite. While these coverages aren’t required in Pennsylvania, insurers offer them in case drivers want to add extra protection.
- 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
- Usage-Based Insurance
These additional add-ons can be useful if you want a specific service, such as emergency roadside assistance. Some of the options can also save you money, such as classic car insurance (classic car policies are cheaper than regular car policies) or usage-based insurance.
Average Monthly Car Insurance Rates by Age & Gender in PA
Now that we’ve covered car insurance coverages, let’s start diving into rates with data from Quadrant.
In Pennsylvania, insurers are not allowed to base rates based on drivers’ gender. Pennsylvania is one of the first states to outlaw gender discrimination in car insurance, with states like Calfornia recently passing similar laws.
In fact, Pennsylvania will soon offer a gender-neutral driver’s license.
Let’s take a look at male versus female rates to see the rates for gender and age.
|Company||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||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|
|First Liberty Ins Corp||$11,576.65||$11,576.65||$5,037.27||$5,037.27||$3,969.70||$3,969.70||$3,637.16||$3,637.16|
|State Farm Mutual Auto||$5,944.71||$5,944.71||$1,859.05||$1,859.05||$1,685.65||$1,685.65||$1,487.48||$1,487.48|
|Travelers Home & Marine Ins Co||$25,635.88||$25,635.88||$2,104.67||$2,104.67||$1,747.11||$1,747.11||$1,882.23||$1,882.23|
We should note that this Quadrant data is based on purchased coverages by Pennsylvania’s residents. Because of this, it includes rates for high-risk drivers, drivers who purchase more than the state minimum, and drivers who purchase additional coverages.
This means that depending on what you purchase, your rates could be higher or lower than the averages shown above.
So now you know that providers in Pennsylvania do not base rates on gender. Age, however, does not get this same treatment; the younger you are in Pennsylvania, the more you pay.
This makes sense when you consider the driving experience of a teenager compared to that of a 60-year-old.
Rates in Pennsylvania’s 10 Largest Cities
Some of Pennsylvania’s largest cities are infamous in pop culture — think Rocky running up the stairs in Philadephia or Micheal Scott working in Scranton.
So let’s take a look at the costs of car insurance in the 10-most-populated cities in Pennsylvania.
|City||County||Average Annual Rate|
Philadelphia is the most populated city in Pennsylvania, and it also has the most expensive rates. The cheapest of the largest cities in Pennsylvania in Lancaster, also known to locals as Amish Country.
If you drive in Lancaster, you are likely to see multiple horse-drawn buggies, so be careful and keep an eye on the side of the road.
All Zip Code: Cheapest Rates by ZIP Code
If you are looking to save on car insurance, then take a look at the complete list of ZIP codes below to see what the cheapest and what the most-expensive ZIP codes are in Pennsylvania. We’ve also included providers’ prices for each ZIP code, so you can see who the cheapest provider is in your area.
|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|
|25 Least Expensive|
Zip Codes in Pennsylvania
|City||Average Annual 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|
The variance in cost between the most and least expensive ZIP codes is over $5,300. If you live in a more expensive ZIP code, make sure you are picking a cheaper provider.
All Cities: Cheapest Rates by City
While we’ve covered ZIP codes, we want to broaden our information a bit by looking at the most and least expensive cities in Pennsylvania.
|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|
|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|
Philadelphia is the most populated city in Pennsylvania and also the most expensive city for car insurance. Bellefonte, a small town with a population of less than 6,500, is the cheapest area for car insurance.
Between these two cities, there is a difference of over $4,000.
As the ZIP code data showed, even within a city the rates can vary, but the costs for cities should give you a good idea of what you’ll be paying on your vehicle.
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Best Pennsylvania Car Insurance Companies
With so many drivers on the roads these days, there’s an equally large number of car insurance companies. It can be difficult to find the right car insurance company for your needs, which is why we are going to break down Pennsylvania companies.
This way, you can pick a car insurance company that has the right services and rates for you.
So stick with us as we go through everything from companies’ financial ratings to costs.
The Largest Companies’ Financial Ratings
A company’s financial rating will give you a good idea of a company’s stability. To see what Pennsylvania’s companies’ financial ratings are, we are going to look at AM Best ratings.
|Company||AM Best Rating||Direct Premiums Written||Loss Ratio||Market Share|
|State Farm Group||A||$1,779,915||63.70%||20.35%|
|Erie Insurance Group||A+||$1,153,856||64.93%||13.19%|
|Allstate Insurance Group||A+||$998,919||55.64%||11.42%|
|Nationwide Corp Group||A+||$786,109||59.96%||8.99%|
|Liberty Mutual Group||A||$424,106||61.06%||4.85%|
|Farmers Insurance Group||A||$192,162||74.14%||2.20%|
All of the companies earned an A or higher (A++ is the highest possible), which means all the companies have stable financial futures. Looking at the loss ratios confirms AM Best’s ratings, as all the loss ratios are great.
Companies with Best Ratings
While a stable financial future is great, another important part of a company’s success is customer satisfaction. JD Power’s recent study rates companies based on customer satisfaction surveys, which means JD Power is a good source to look at to see how well a company serves its customers.
Erie Insurance earned the highest customer satisfaction rating in Pennsylvania, with Geico close behind. Allstate had the lowest number of points, earning only 816 points out of 1,000.
We should note that USAA earned the highest rating, but wasn’t included with the other companies because USAA is only available for military personnel and their families.
Companies with Most Complaints in Pennsylvania
Since complaints go along with customer satisfaction, we want to take a look at the NAIC’s data on complaint ratios for the top largest companies in Pennsylvania.
|Company||2017 Complaint Ratio||2017 Number of Complaints|
|State Farm Group||0.44||1,482|
|Liberty Mutual Group||5.95||222|
|Allstate Insurance Group||0.5||163|
|Nationwide Corp Group||0.28||25|
|Erie Insurance Group||0.7||22|
|Farmers Insurance Group||0||0|
A high number of complaints doesn’t necessarily mean a company will have a high complaint ratio. While State Farm Group has a high number of complaints, the complainants only make up a small percentage of State Farm Group’s customers.
Cheapest Companies in Pennsylvania
Shopping around for rates can save you a significant amount each year, which is why we are going to go through Quadrant’s data on everything that impacts rates. Let’s start by seeing which Pennsylvania companies have the cheapest rates.
|Company||Average Annual Rate||Compared to State Average (+/-)||Compared to State Average (%)|
|Travelers Home & Marine Ins Co||$7,842.47||$3,807.98||48.56%|
|First Liberty Ins Corp||$6,055.19||$2,020.70||33.37%|
|State Farm Mutual Auto||$2,744.22||-$1,290.27||-47.02%|
USAA and Geico have the cheapest rates in Pennsylvania, as they are significantly less than the state average.
Progressive is the most expensive out of the cheapest companies, costing almost 10 percent more than the state average in Pennsylvania.
Commute Rates by Companies
Did you know that how far you drive can change your car insurance rates? Drivers with long commutes may find their insurers charge them a few hundred more.
Let’s see what Pennsylvania insurers charge based on commute distance.
|Group||10 Miles Commute. 6,000 Annual Mileage.||25 Miles Commute. 1,2000 Annual Mileage.|
Travelers, Nationwide, and Progressive are the only companies who don’t increase rates based on commute distance, although Travelers has the highest rates, which means that a company that charges for commute distance will still be cheaper than Travelers.
As for companies that do increase costs, Liberty Mutual has the highest price increase — about $300.
Of course, don’t just go off of price increases. Instead, look at how much the final amount is when picking a provider. A company may have a high increase but still cost less than another company.
Coverage Level Rates by Companies
A high coverage level is always the best option in case of an accident, but the higher price tag most providers put on this coverage can make most consumers think twice.
To help you find a high coverage level at a reasonable cost, let’s take a look at companies’ prices.
|Company||Low Coverage||Medium Coverage||High Coverage|
Progressive has the highest rate increase between low and high coverage, coming in at around $750. This isn’t terrible, but other companies have rate increases under a few hundred.
At Nationwide, for example, the price increase from low to high coverage is less than $100. This is a fantastic rate increase and makes Nationwide’s high coverage affordable for everyone.
Credit History Rates by Companies
A credit score is vital in today’s world, as it is used for everything from bank loans to car insurance.
The average credit score in Pennsylvania is 687, which is higher than the national average of 675. This means most Pennsylvania residents have good credit scores.
A good credit score will save you hundreds a year, as insurers increase rates for poor and fair credit scores.
Below you can see rate increases for credit scores at Pennsylvania companies.
If you have a poor credit history, picking a company with the least amount of penalty is important. For example, Nationwide’s and USAA’s price increases from poor to bad credit are less than $1,000.
This may seem like a lot, but other companies in Pennsylvania add on thousands to drivers’ premiums, such as Allstate’s almost $2,000-price increase from good to bad credit.
So make sure to shop around if you don’t have good credit.
Driving Record Rates by Companies
Just like your credit score, your driving record plays a significant part in how much you’ll pay for car insurance. Any DUIs, accidents, or speeding tickets on your record will increase your premiums.
Below you can see just how much Pennsylvania companies increase their prices based on driving records.
|Company||Clean Record||With 1 Speeding Violation||With 1 Accident||With 1 DUI|
Companies in Pennsylvania vary in what they deem the worst offense to be. For example, Geico charges more for a speeding violation than a DUI, while other companies charge more for a DUI or accident than a speeding violation.
Whatever companies charge for individual offenses, a bad driving record will cost drivers hundreds or thousands at providers.
Keep in mind, too, that the table shows the average price increases for the first offense. Subsequent offenses will cost more.
Largest Car Insurance Companies in State
While we’ve gone through companies’ rates and customer satisfaction ratings, we want to take a look at the largest companies in Pennsylvania.
|Company||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%|
State Farm has the largest market share in Pennsylvania, followed by Erie Insurance. Farmers Insurance has the smallest market share, but don’t let this turn you away.
A company’s loss ratio is important, and Farmers Insurance has a great loss ratio. All of the largest companies earned their spots on the list, as they all have good loss ratios that show a solid financial future.
Number of Insurers in Pennsylvania
While we’ve looked at the largest insurers in Pennsylvania, there are quite a few more insurers than we’ve previously shown you.
With over a thousand insurers to choose from, it’s important to narrow down your choices. If it helps, the difference between domestic and foreign is the following:
Domestic insurers are in-state (local to your area), while foreign insurers are out-of-state but still insure in your area.
So if you want a local provider, a domestic insurer may be for you. Pennsylvania has a large number of domestic insurers — some states have less than 10.
Pennsylvania State Laws
Every state has different driving laws, which can be confusing when you move to a new state. Unfortunately, cops won’t take ignorance as an excuse if you break a state driving law.
To help you avoid a ticket, we are going to go through the state laws in Pennsylvania that you need to know. So keep reading to learn about everything from Pennsylvania’s car insurance laws to driver safety laws.
Car Insurance Laws
As we mentioned before, every state has different requirements on what amounts of insurance you need to have on your vehicle. Not having the proper coverage is breaking the law, which is why we are going to go into what Pennsylvania requires.
From how state laws are determined to who’s eligible for low-cost insurance, it’s all covered here. Let’s begin.
How State Laws for Insurance are Determined
According to the NAIC, the current rate filing law in Pennsylvania is that rates must have prior approval. This means that insurers must submit rates to a Pennsylvania state authority.
Before insurers can use rates, they must get approval from state authority. Because insurers take care of the legal side of rate approval, all you have to worry about is picking a provider with good rates.
In Pennsylvania, the law doesn’t require insurers to replace windshields. However, comprehensive coverage will usually cover windshield repairs and replacements.
You also don’t have to use a specific repair shop of the insurer’s choosing, as you have the right to use whichever repair shop you want. It’s a good idea to get that windshield repaired promptly, as you could receive a ticket if a crack obscures your view of the road.
High-risk insurance is for drivers who have severe violations on their records, such as DUIs. However, high-risk insurance is not required in Pennsylvania (some states make high-risk drivers purchase a high-risk plan).
Because insurers have the right to refuse high-risk drivers, though, drivers may have to turn to the Pennsylvania Assigned Risk Plan for car insurance.
Insurers must accept drivers who apply through the Pennsylvania Assigned Risk Plan, regardless of what’s on the drivers’ records. If you are a high-risk driver, make sure to shop around for rates at different providers, because high-risk insurance is expensive.
Pennsylvania may have high-risk insurance, but it lacks a low-cost insurance program for low-income families.
While Pennsylvania doesn’t offer a program for low-cost insurance, finding a provider with low rates will help make car insurance affordable.
Automobile Insurance Fraud in Pennsylvania
Automobile insurance fraud is illegal in Pennsylvania. According to the Insurance Information Institute (iii), property and casualty insurance fraud equals about 30 billion a year.
The main ways people commit fraud are filing claims for accidents that never happened, adding fake costs onto an existing claim, or staging an accident.
Because insurance fraud is prevalent, Pennsylvania has four established fraud bureaus to catch fraudulent claims. If you want to learn more about insurance fraud, you can contact the Pennsylvania Insurance Department through their online contact form.
Although we can tell you that the best way to avoid committing an insurance fraud crime is to be honest about your claim.
Statute of Limitations
After an accident happens, you only have a certain amount of time to file a claim (a statute of limitations). If you wait too long, your claim will be rejected. Why?
Because insurers and courts don’t want claims to drag on for years past the accident. Plus, details grow blurrier the longer the wait is between the accident and the claim.
So how long do you have to file a claim in Pennsylvania?
- Personal Injury: Two years
- Property Damage: Two years
Pennsylvania’s statute of limitations is fairly long, as you are allowed two years to file a claim. Of course, it’s always better to file a claim right away so you get the needed funds sooner.
Pennsylvania Unfair Claims Settlement Practices
Pennsylvania has a law called the Unfair Claims Settlement Practices. What does this mean?
Insurers are held to fair business practices. This means they are required to reply promptly to claims, as well as disclose all information to customers.
The complete disclosure of all information is important, as insurers may “forget” benefits that you are eligible for in a claim. The Unfair Claims Settlement Practices Act ensures insurers are held to ethical business standards.
Vehicle Licensing Laws
Just like coverage laws, states have different laws and procedures for vehicle licensing. If you aren’t familiar with a state’s laws, you may find yourself with an expired license.
To help you navigate vehicle licensing, we are going to go through everything from REAL ID to how often you need to renew your license. So let’s jump right in.
If you’ve recently been to an airport, you may have noticed signs advertising REAL ID. In Pennsylvania, REAL IDs will be required on October 1, 2020, if you want to do the following:
- Board a domestic commercial flight
- Enter a federal building
- Enter a military installation
If you don’t have a REAL ID, you won’t be able to fly out of Pennsylvania. Luckily, you may already have a REAL ID waiting for you if you got a driver’s license after September 1, 2003.
This is because PennDot will already have your required documents on file. If you got a driver’s license before 2003, you’ll need the following to apply for a REAL ID:
- Birth certificate or valid U.S. passport
- Social Security Card
- Two proofs of current Pennsylvania address
- Proof of legal name changes (if applicable)
A REAL ID is optional, but if you fly or enter federal/military buildings, you will need to get one. You don’t need a REAL ID to drive, vote, or any of the other things you use your driver’s license for.
Penalties for Driving Without Insurance
Since car insurance is a legal requirement in Pennsylvania, officials will check for proof of insurance if you are pulled over or are in an accident. As a reminder, the following are acceptable proofs of insurance in Pennsylvania:
- Insurance ID card
- Declaration page of an issued insurance policy
- Valid insurance binder (temporary proof of insurance valid for 30 or 60 days)
- Copy of application for Pennsylvania Assigned Risk Plan
- Letter from your insurance carrier that verifies financial responsibility
If you don’t have insurance, there are penalties enforced by the state.
|Offense||Registration Suspension||Restoration Fee||Civil Penalty Fee|
|First Offense||3 months (unless lapse was for less than 31 days and the vehicle was not operated during that time)||$88 plus proof of insurance required to get it back||$500 is optional in lieu of registration suspension plus $88 restoration fee — can only use this option once within a 12-month period.|
We should also note that insurers’ rates go up if they see insurance lapses on your record, so driving without insurance will cost you more than the fines shown above.
How do you know when PennDot is suspending your registration? PennDot should send you an intent to suspend registration letter if you have done any of the following:
- You didn’t respond to proof of insurance request.
- You didn’t provide proof of insurance within 30 days of the cancellation date of previous insurance.
- You didn’t submit a Statement of Non-Operation of Vehicle.
- You didn’t provide proof of insurance at the time of a traffic offense.
- You didn’t provide proof of insurance at the time of an accident.
Make sure to have proof of insurance on you at all times or you’ll have to fill out additional paperwork to prove you did have insurance after incidents.
Teen Driver Laws
Because teen drivers are inexperienced, there are laws in place to restrict their driving until they are prepared to drive alone. In Pennsylvania, teens must be at least 16-years-old to apply for a learner’s permit.
The Insurance Institute for Highway Safety (IIHS) lists restrictions for learner permit holders as the following:
|Pennsylvania Learner Permit Requirements for Getting a License||Time Restrictions|
|Mandatory Holding Period||6 months|
|Minimum Supervised Driving Time||65 hours (10 must be at night and 5 must be in inclement weather)|
|Minimum Age||16 years and 6 months|
Once learner permit holders complete the required time requirements and pass a driver’s test, they will have an intermediate driver’s license that has further restrictions.
|Pennsylvania Restrictions for Intermediate Licenses||Details|
|Nighttime restrictions||11 p.m. to 5 a.m.|
|Passenger restrictions (family members excepted unless noted otherwise)||First 6 months: no more than 1 passenger younger than 18
After 6 months: no more than 3 passengers
|Minimum age at which restrictions may be lifted||Details|
|Nighttime restrictions||12 months and age 17 (if completed driver education) or age 18|
|Passenger restrictions||12 months and age 17 (if completed driver education) or age 18|
Pennsylvania intermediate drivers aren’t allowed to drive after 11 p.m., and they are only allowed to have a certain amount of passengers. These rules are intended to protect teen drivers by limiting dangerous driving conditions and distractions.
Older Driver License Renewal Procedures
Just like teen drivers, older drivers may have special licensing requirements. Let’s take a look at the licensing procedures for drivers older than 65.
|Renewal Cycle||Proof of Adequate Vision Required||Mail Renewal Permitted||Online Renewal Permitted|
|2 or 4 years (depends on personal preference)||No||Yes||Yes|
Older drivers have the same renewal options as the general population, although they have the option to renew their license every two years instead of four.
Older drivers can also renew their licenses online or through the mail, which means they can skip on visits to the DMV.
If you are new to Pennsylvania, you’ll have to go to a local DMV and get a Pennsylvania driver’s license. You’ll also need to contact your insurance provider with your change of address because your provider will need to change your rates and coverages to match Pennsylvania’s requirements.
So you can expect your rates to change if you move to Pennsylvania.
License Renewal Procedures
For those past their teen years and under the age of 65, the following license renewal procedures are in place:
|Renewal Cycle||Proof of Adequate Vision Required||Mail Renewal Permitted||Online Renewal Permitted|
Drivers only have to renew their licenses every four years, and since it can be done through mail or online, you won’t have to go in-person.
Negligent Operator Treatment System
If you drive recklessly or carelessly and are caught, you will face penalties. Below are the penalties for driving recklessly in Pennsylvania.
|Offense||Crime Classification||Fine||Jail Time||License Suspension|
|First||Summary Offense||$200||Up to 90 days||6 months|
However, if you cause serious injury to another person by driving recklessly, the offenses are much stricter than the ones shown above. You will be charged with assault by vehicle, face up to seven years in prison, have a one-year license suspension, and pay up to $15,000 in fines.
Pennsylvania takes reckless driving seriously, as reckless driving endangers everyone on the road. Careless driving is also serious, though it carries lesser penalties than reckless driving.
|Offense||Crime Classification||Fine||Jail Time||License Suspension|
|Careless Driving||Summary Offense||Maximum $300||Up to 90 days||None|
|Careless Driving that Caused Serious Bodily Injury to Another Person||Summary Offense||$250|
$500 if caused death of another person
|Up to 90 days||6 months|
Please, be a careful driver. Not just to avoid fines but also to avoid injuring someone else or yourself.
Rules of the Road
We want to help you be the safest driver possible, which is why we are going to cover must-know rules of the road in Pennsylvania. Not only will following the rules of the road help you avoid a driving ticket, but it will keep you and others safe.
So let’s jump into everything from seat belt laws to automation laws.
Fault vs. No-Fault
Before we get into laws, we want to clarify that Pennsylvania is a combination of no-fault and at-fault. No-fault means the insurers will cover you regardless of who caused the accident.
However, Pennsylvania is tricky because it also allows drivers to file at-fault claims.
You can choose to have no-fault insurance or at-fault insurance, so make sure to choose one that fits your needs best. If you want your insurer to cover you each time, pick no-fault.
If you want the driver who caused the accident to pay, then at-fault insurance may be a better option.
Seat Belt and Car Seat Laws
Buckling up is the law in Pennsylvania.
Let’s take a look at IIHS’s information on the seat belt and car seat laws.
|Pennsylvania Safety Belt Laws||Details|
|Effective Since||November 23, 1987|
|Primary Enforcement||No (yes for children younger than 18)|
|Age/Seats Applicable||18+ years old in front seat|
|1st Offense Max Fine||$10 plus fees|
While seat belt enforcement isn’t primary in Pennsylvania (meaning officers need a reason besides seat belt use to pull you over), enforcement is primary for drivers and passengers under 18.
This means that if officers see drivers or passengers under 18 not wearing seat belts, they can pull the vehicle over and ticket the driver.
Now that we’ve covered seat belts, let’s take a look at laws for younger passengers.
|Type of Car Seat Required||Age/Weight|
|Rear-Facing Child Restraint||Younger than two years (until child outgrows manufacturer's age/weight recommendations)|
|Forward-Facing Child Restraint||Two to three years old|
|Child Booster Seat||Four to seven years old|
|Adult Belt Permissible||Eight through 17 years in all seats|
The fine for violating car seat laws is $75, significantly higher than the fine for seat belt violations. Seeing as these laws are made to keep children safe, the higher fine makes sense.
There are also restrictions in Pennsylvania on riding in the cargo areas of vehicles. The following types of passengers are exceptions to the prohibition on riding in cargo areas:
- People 18 and older (vehicle must be going less than 35 mph)
- People 17 and younger if the cargo area is enclosed
- Parade, hunting, and farm operations
Children are only allowed to ride in enclosed cargo areas because there is always a risk of being thrown from a vehicle (even when driving slow).
Keep Right and Move Over Laws
The keep right law in Pennsylvania is simple. If you are traveling slower than the speed of traffic, keep to the right. Generally, the left lane should be for passing slower vehicles only.
The move over law is also simple, but it has the potential to save lives if all drivers follow it.
You must move over in the following circumstances (unless it’s not safe to do so, then you must slow down):
- When coming up on an emergency response area
- Tow trucks
- Utility vehicles
It’s also good practice to move over or slow down for any vehicle with flashing hazard lights, as someone may be walking around the vehicle.
If you ever pulled over with your hazard lights on and felt uncomfortable getting out of the vehicle with traffic speeding by, you can understand the importance of the move over law.
Speeding is one of the number-one cause of fatalities, which is why states have strictly enforced speed limits. Below are the speed limits for Pennsylvania.
|Type of Roadway||Speed Limit|
|Rural Interstates||70 mph|
|Urban Interstates||70 mph|
|Other Limited Access Roads||70 mph|
|Other Roads||55 mph|
These are the maximum speed limits, which means you won’t get out of a ticket if you ignore a posted speed limit and argue the maximum is 70 mph.
The maximum speed limit is simply the highest speed limit that can be posted, so follow posted speed limits to avoid tickets and increased premiums.
All rideshare drivers must have ridesharing insurance on their vehicles. If you are driving your vehicle for a service like Uber or Lyft, then you need to buy ridesharing insurance.
The following providers offer rideshare insurance in Pennsylvania.
- Liberty Mutual
Beyond ridesharing insurance, you’ll also have to pass rideshare companies’ requirements. Generally, this means you have to have a clean record and at least a few years of driving experience.
Automation on the Road
Pennsylvania does have rules about the use of automated vehicles, although these regulations depend on the type of vehicle.
- Type of driving automation allowed on public roads: PennDot authorizes the testing of vehicles that are highly automated and deployment of work-zone vehicles that are highly automated. Effective since April 22, 2019.
- Operator license: Operators have to be licensed to test highly automated vehicles.
- Operators in vehicles: Operators do not have to be in work-zone vehicles that are highly automated.
Unless you have a highly automated vehicle, you won’t need to worry about Pennsylvania’s laws. Most vehicles today have some level of automation, such as lane departure warning, but these vehicles don’t count as automated vehicles.
Safety laws are important, as they discourage drivers from driving drunk or distracted. A state that has strict safety laws will probably have fewer dangerous drivers on the road.
So let’s go through the major safety laws in Pennsylvania and the penalties for breaking them.
When you’re drunk, you’re more likely to make poor decisions like cutting your hair or blowing through a stop sign. Drunk driving is extremely dangerous, but sometimes people are a poor judge of deciding if they’re sober or buzzed.
In 2017, there was a total of 314 alcohol-impaired driving fatalities in Pennsylvania.
Below are the details of the DAI law in Pennsylvania.
|DUI Law in Pennsylvania||Details|
|Name for Offense||Driving After Imbibing (DAI)|
|High BAC Limit||0.16|
|Criminal Status||1st to 2nd offenses are misdemeanors; 3rd+ are second degree misdemeanors|
|Look Back Period||10 years|
A lookback period is how long a DAI remains on your record. Pennsylvania has also put the following penalties in place to discourage drunk driving:
|Number of Offense||License Revocation||Jail Time||Fines||IID Lock||Other|
|1st||No minimum||No minimum, but up to 6 months probation||$300||NA||Alcohol highway safety school, treatment when ordered|
|2nd||1 year||5 days to 6 months||$300 to $1,500||1 year||Alcohol highway safety school, treatment when ordered|
|3rd||1 year||10 days to 2 years||$500 to $5,000||1 year||Treatment when ordered|
Remember that a DAI will raise insurance rates, and will cost drivers more than just the fines shown above.
Marijuana-Impaired Driving Laws
Although medical marijuana has been legalized in the state, recreational marijuana is still illegal in Pennsylvania. Those with medical marijuana cards can drive as long as there is less than one nanogram of THC in their system.
THC is the active substance in marijuana that leads to inebriation and can make a person unsafe to drive.
This amount of THC is considered safe by the state, as any more will impair a driver’s ability to drive. The best rule of thumb is to not drive while even slightly high, as it’s impossible to determine the amount of THC in your system on your own.
Driving under the influence of marijuana will earn drivers the same penalties as drunk driving, such as fines, jail time, and license suspension.
Distracted Driving Laws
Distracted driving is another driving habit that is just as dangerous as impaired driving. Because of this, Pennsylvania has laws restricting drivers’ cellphone use in cars.
|Young Drivers All Cellphone Ban||No|
|Texting Ban||Yes, all drivers|
Primary enforcement means law enforcement can pull drivers over if officers notice drivers texting. While Pennsylvania doesn’t have a hand-held ban (meaning you can use it for GPS or changing the music), it’s still a good idea to put the phone down in the car.
Some insurers even have safe-driving apps that reward you for not being on your phone in the car.
Driving in Pennsylvania
There are always risks when you drive, no matter how good a driver you are. Inattentive drivers, iced-over roads, or an abundance of wildlife can all contribute to a crash.
Since every state has slightly different risks, being prepared for Pennsylvania’s road dangers can help you stay alert and avoid an accident.
For example, Pennsylvania is considered the likeliest state for deer collisions. Staying alert for deer during dusk and dawn can help you avoid a collision.
So let’s jump into the troublesome factors on Pennsylvania’s roads, from vehicle theft to traffic.
Vehicle Theft in Pennsylvania
Any time you own something valuable, it is at risk of being stolen. If you own one of the following vehicles, be aware that it is one of the top 10 stolen vehicles in Pennsylvania:
|Make and Model||Vehicle Year||Total Thefts|
|Ford Pickup (Full Size)||2006||303|
|Chevrolet Pickup (Full Size)||2003||203|
|Jeep Cherokee/Grand Cherokee||1999||188|
The vehicle year simply means that’s the most popular model year stolen. For example, there were 544 Honda Accords stolen (covering a wide range of years), but the most-popular majority stolen was 1997 Honda Accords.
Let’s dig a little deeper by looking at the FBI’s 2013 report on the number of vehicles stolen by city.
|Pennsylvania Cities||2013 Total Motor
|Abington Township, Montgomery County||25|
|Adams Township, Butler County||2|
|Adams Township, Cambria County||1|
|Allegheny Township, Blair County||3|
|Ben Avon Heights||0|
|Bethel Township, Berks County||2|
|Bethel Township, Delaware County||0|
|Brecknock Township, Berks County||0|
|Briar Creek Township||1|
|Buffalo Valley Regional||0|
|Butler Township, Butler County||5|
|Butler Township, Luzerne County||4|
|Butler Township, Schuykill County||2|
|Caernarvon Township, Berks County||3|
|Carroll Township, Washington County||3|
|Carroll Township, York County||5|
|Central Berks Regional||5|
|Central Bucks Regional||4|
|Conemaugh Township, Cambria County||0|
|Conemaugh Township, Somerset County||0|
|Conewago Township, Adams County||2|
|Conneaut Lake Regional||2|
|Cumberland Township, Adams County||6|
|Cumberland Township, Greene County||9|
|Delaware Water Gap||0|
|Derry Township, Dauphin County||4|
|Douglass Township, Berks County||2|
|Douglass Township, Montgomery County||1|
|East Brandywine Township||1|
|East Cocalico Township||1|
|East Coventry Township||2|
|East Deer Township||0|
|East Earl Township||2|
|Eastern Adams Regional||3|
|Eastern Pike Regional||2|
|East Fallowfield Township||2|
|East Franklin Township||0|
|East Hempfield Township||1|
|East Lampeter Township||14|
|East Marlborough Township||0|
|East Norriton Township||3|
|East Pennsboro Township||7|
|East Pikeland Township||3|
|East Taylor Township||0|
|East Union Township||1|
|East Vincent Township||1|
|East Whiteland Township||5|
|Elk Lick Township||0|
|Evans City-Seven Fields Regional||0|
|Exeter Township, Berks County||8|
|Fairview Township, Luzerne County||0|
|Fairview Township, York County||1|
|Falls Township, Bucks County||39|
|Foster Township, McKean County||0|
|Foster Township, Schuykill County||0|
|Franklin Township, Beaver County||1|
|Franklin Township, Carbon County||1|
|Franklin Township, Columbia County||0|
|Greenfield Township, Blair County||1|
|Hanover Township, Luzerne County||4|
|Heidelberg Township, Berks County||0|
|Hempfield Township, Mercer County||1|
|Independence Township, Beaver County||4|
|Independence Township, Washington County||0|
|Jackson Township, Cambria County||0|
|Jackson Township, Luzerne County||0|
|Jefferson Hills Borough||1|
|Jefferson Township, Lackawanna County||0|
|Jefferson Township, Mercer County||0|
|Jefferson Township, Washington County||0|
|Lancaster Township, Butler County||0|
|Lancaster Township, Lancaster County||25|
|Lawrence Park Township||0|
|Lawrence Township, Clearfield County||6|
|Lawrence Township, Tioga County||0|
|Lehigh Township, Northampton County||3|
|Lehigh Township, Wayne County||0|
|Liberty Township, Adams County||0|
|Little Beaver Township||0|
|Lower Allen Township||4|
|Lower Chichester Township||10|
|Lower Frederick Township||0|
|Lower Gwynedd Township||9|
|Lower Heidelberg Township||2|
|Lower Mahanoy Township||0|
|Lower Makefield Township||6|
|Lower Merion Township||46|
|Lower Moreland Township||9|
|Lower Paxton Township||21|
|Lower Pottsgrove Township||4|
|Lower Providence Township||11|
|Lower Salford Township||4|
|Lower Saucon Township||2|
|Lower Southampton Township||19|
|Lower Swatara Township||0|
|Lower Windsor Township||2|
|Mahoning Township, Carbon County||6|
|Mahoning Township, Lawrence County||0|
|Mahoning Township, Montour County||0|
|Manor Township, Armstrong County||1|
|Manor Township, Lancaster County||10|
|Marion Township, Beaver County||0|
|Marion Township, Berks County||1|
|Middlesex Township, Butler County||3|
|Middlesex Township, Cumberland County||3|
|Mifflin County Regional||2|
|Millcreek Township, Erie County||22|
|Millcreek Township, Lebanon County||0|
|Mount Carmel Township||2|
|Mount Gretna Borough||0|
|Mount Holly Springs||0|
|Mount Pleasant Township||0|
|Nether Providence Township||1|
|New Britain Township||1|
|New Castle Township||0|
|New Hanover Township||5|
|New Sewickley Township||8|
|Newtown Township, Bucks County||3|
|Newtown Township, Delaware County||8|
|North Belle Vernon||0|
|North Cornwall Township||3|
|North Coventry Township||0|
|Northeast, Bradford County||1|
|North East, Erie County||2|
|Northern Berks Regional||6|
|Northern Cambria Borough||1|
|Northern Lancaster County Regional||7|
|Northern York Regional||36|
|North Fayette Township||2|
|North Franklin Township||1|
|North Hopewell Township||1|
|North Huntingdon Township||18|
|North Lebanon Township||4|
|North Londonderry Township||0|
|North Middleton Township||5|
|North Sewickley Township||1|
|North Strabane Township||2|
|North Union Township||0|
|North Versailles Township||9|
|Northwest Lancaster County Regional||3|
|Old Lycoming Township||4|
|Otto Eldred Regional||0|
|Penn Township, Butler County||3|
|Penn Township, Westmoreland County||1|
|Penn Township, York County||4|
|Pine Creek Township||0|
|Plymouth Township, Montgomery County||18|
|Pocono Mountain Regional||19|
|Pulaski Township, Lawrence County||4|
|Richland Township, Bucks County||7|
|Richland Township, Cambria County||2|
|Roaring Brook Township||0|
|Roaring Creek Township||0|
|Robinson Township, Allegheny County||3|
|Robinson Township, Washington County||1|
|Sadsbury Township, Chester County||1|
|Salem Township, Luzerne County||0|
|Schuylkill Township, Chester County||1|
|Scott Township, Allegheny County||2|
|Scott Township, Columbia County||2|
|Scott Township, Lackawanna County||0|
|Shenango Township, Lawrence County||2|
|Shenango Township, Mercer County||0|
|Silver Lake Township||1|
|Silver Spring Township||0|
|Slate Belt Regional||5|
|South Abington Township||6|
|South Annville Township||0|
|South Beaver Township||0|
|South Buffalo Township||1|
|South Centre Township||0|
|South Connellsville Borough||0|
|Southern Regional Lancaster County||0|
|Southern Regional York County||5|
|South Fayette Township||1|
|South Heidelberg Township||4|
|South Lebanon Township||0|
|South Londonderry Township||0|
|South Park Township||2|
|South Pymatuning Township||0|
|South Strabane Township||4|
|South Whitehall Township||23|
|Springfield Township, Bucks County||1|
|Springfield Township, Delaware County||5|
|Springfield Township, Montgomery County||18|
|Spring Garden Township||20|
|Spring Township, Berks County||8|
|Spring Township, Centre County||0|
|St. Clair Boro||0|
|St. Clair Township||0|
|St. Marys City||2|
|Stroud Area Regional||25|
|Sugarloaf Township, Luzerne County||1|
|Susquehanna Township, Dauphin County||17|
|Tiadaghton Valley Regional||1|
|Tinicum Township, Bucks County||0|
|Tinicum Township, Delaware County||13|
|Tunkhannock Township, Wyoming County||1|
|Union Township, Lawrence County||1|
|Union Township, Schuylkill County||0|
|Upper Allen Township||2|
|Upper Burrell Township||0|
|Upper Chichester Township||16|
|Upper Darby Township||148|
|Upper Dublin Township||7|
|Upper Gwynedd Township||4|
|Upper Leacock Township||7|
|Upper Macungie Township||9|
|Upper Makefield Township||0|
|Upper Merion Township||20|
|Upper Moreland Township||13|
|Upper Nazareth Township||0|
|Upper Pottsgrove Township||0|
|Upper Providence Township, Delaware County||0|
|Upper Providence Township, Montgomery County||2|
|Upper Saucon Township||11|
|Upper Southampton Township||6|
|Upper St. Clair Township||0|
|Upper Uwchlan Township||0|
|Upper Yoder Township||0|
|Warwick Township, Bucks County||3|
|Washington, Washington County||28|
|Washington Township, Fayette County||0|
|Washington Township, Franklin County||3|
|Washington Township, Northampton County||2|
|Washington Township, Westmoreland County||0|
|Wayne Township, Lawrence County||0|
|West Brandywine Township||6|
|West Caln Township||5|
|West Carroll Township||0|
|West Cocalico Township||2|
|West Cornwall Township||0|
|West Deer Township||3|
|West Earl Township||5|
|Western Berks Regional||3|
|West Fallowfield Township||4|
|West Goshen Township||6|
|West Hempfield Township||3|
|West Hills Regional||0|
|West Lampeter Township||3|
|West Lebanon Township||1|
|West Mahanoy Township||2|
|West Manchester Township||9|
|West Manheim Township||2|
|West Mead Township||1|
|West Norriton Township||5|
|West Nottingham Township||0|
|West Penn Township||0|
|West Pikeland Township||1|
|West Pike Run||1|
|West Pottsgrove Township||4|
|West Sadsbury Township||1|
|West Salem Township||4|
|West Shore Regional||6|
|Westtown-East Goshen Regional||7|
|West Vincent Township||0|
|West Whiteland Township||3|
|White Haven Borough||1|
|York Area Regional||16|
Philadelphia had the highest number of vehicle thefts (5,483) in 2013, beating out other cities by over four thousand vehicles. If you live in Philadelphia, make sure you have comprehensive coverage to cover vandalism and vehicle theft.
Road Fatalities in Pennsylvania
Every state varies in how many fatalities occur on its roads. Generally, states with stricter enforcement of preventing impaired driving and other dangerous driving habits will have a lower fatality rate.
To see how well Pennsylvania works to get dangerous drivers off the road, we are going to go through fatalities and what causes them in Pennsylvania.
Let’s get started.
Most Fatal Highway in Pennsylvania
The most dangerous highway in Pennsylvania is I-80.
I-80 has had 106 crashes and 115 fatalities.
The high number of crashes on I-80 has resulted in I-80 having a 0.5 fatal crash rate. If you frequently drive on I-80, be careful.
Fatal Crashes by Weather Condition and Light Condition
Since some state’s inclement weather conditions can contribute to more crashes, we want to look at when fatal crashes occurred in Pennsylvania with 2017 data.
|Weather Condition||Daylight||Dark, but Lighted||Dark||Dawn or Dusk||Other / Unknown||Total|
There are more crashes in rain in Pennsylvania than in snow or sleet. If you are unsure of how to avoid hydroplaning, taking a defensive driving course can prepare you for inclement weather conditions and unexpected maneuvers.
Fatalities (All Crashes) by County
The National Highway Traffic Safety Administration (NHTSA) has recorded years’ worth of data on fatal crashes in Pennsylvania. Let’s start by looking at the total fatalities in different counties in Pennsylvania.
|Mc Kean County||15||8||7||7||3|
Philadelphia County has had the largest number of fatalities in Pennsylvania, with a total of 475 fatalities over five years.
Rural roads can sometimes be more dangerous than urban roads. Why? Because drivers are more inclined to speed on rural roads and run the risk of animal collisions.
Urban roads hold their own risks, though, due to higher volumes of traffic and multiple intersections. The table below shows that rural roads have a slightly larger number of fatalities compared to urban roads.
Whatever road you’re on, drive carefully and be aware of your surroundings.
Fatalities by Person Type
When we say person type, we don’t mean a driver’s personality. Rather, person type looks at what type of car was in the crash and if the fatality was a car occupant, pedestrian, or cyclist.
|Light Truck - Pickup||97||84||112||87||90|
|Light Truck - Utility||140||130||144||136||136|
|Light Truck - Van||47||40||48||37||27|
|Light Truck - Other||1||0||2||2||0|
|Bicyclist and Other Cyclist||11||19||16||16||22|
It’s important to remember that car occupants aren’t the only victims of car crashes.
Whenever you walk or cycle near a roadway, follow proper safety protocol, such as wearing bright clothing and staying on the shoulder of the road.
Fatalities by Crash Type
While we’ve covered all crashes in Pennsylvania, we want to break down what types of crashes contributed to these overall numbers.
|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|
|Total Fatalities (All Crashes)||1,210||1,195||1,200||1,188||1,137|
Roadway departures, single-vehicle crashes, and speeding have the most fatalities in Pennsylvania.
Five-Year Trend for the Top 10 Counties
Let’s see which counties have the most fatal crashes in Pennsylvania.
|Top Ten Counties' Total||474||489||483||470||490|
|All Other Counties' Total||735||706||717||718||647|
Philadelphia County has the highest number of traffic deaths, followed by Allegheny County. If you live in any of the counties on the list above, be extra alert on roadways.
Fatalities Involving Speeding by County
Remember when we said speeding is one of the major causes of fatalities? Let’s see which Pennsylvania counties have the worst speeding problems.
|Mc Kean County||3||5||5||4||3|
In 2017, Berks County and Philadephia County had the highest number of speeding fatalities. Pike County and Cameron County are the only counties in 2017 that had zero speeding fatalities.
Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC=.08) by County
Everyone knows driving drunk is dangerous, but still, not all people drive sober. Below are the number of drunk driving crashes that occurred in Pennsylvania counties.
|Mc Kean County||5||4||3||2||1|
In 2017, Philadelphia County and Allegheny County had the highest number of drunk driving fatalities. Cameron County, Columbia County, and Sullivan County all earned the honor of having zero drunk driving deaths in 2017.
Teen Drinking and Driving
Adults aren’t the only ones who participate in risky behaviors when driving; teens also drink and drive.
In Pennsylvania, there are 0.8 underage alcohol-impaired driving fatalities per 100,000 people, which is lower than the national average of 1.2 underage alcohol-impaired driving fatalities per 100,000 people.
Since Pennsylvania’s underage drunk driving fatalities are less than the national average, let’s take a look at how many teenage arrests are made in Pennsylvania.
|DUI Arrests (Under 18-years-old)||DUI Arrests (Under 18-years-old) Total Per Million People||Rank|
Pennsylvania ranks 12th in the U.S. for its number of underage drunk driving arrests. This is actually good, as each arrest means a teen was prevented from wrecking or hurting someone else.
EMS Response Time
We’ve covered a lot of grim statistics about fatalities in Pennsylvania, so we want to take things in a different direction by seeing how quickly help comes when an accident occurs.
|Location of Incident||Time of Crash to EMS Notification||EMS Notification to EMS Arrival||EMS Arrival at Scene to Hospital Arrival||Time of Crash to Hospital Arrival||Total Fatalities in Crashes|
|Rural||4.79 min||11.08 min||39.55 min||51.38 min||574|
|Urban||3.19 min||6.70 min||28.35 min||36.32 min||507|
In both rural and urban settings, you’ll be at the hospital in under an hour, which is good news if you’re injured in a crash.
Before we conclude this guide, we want to take a look at transportation in Pennsylvania. Doing so will give you an idea of what driving around Pennsylvania is like.
So stick with us as we go through Data USA’s information on everything from car ownership to traffic congestion.
Most households today own more than one car. In Pennsylvania, 41.8 percent of households own two cars. The graphic below shows Pennsylvania’s averages (orange) compared to the U.S. averages.
A small percentage of households (3.37 percent) in Pennsylvania own more than five cars.
The last thing anyone wants is spending hours commuting to work each day. Pennsylvania’s average commute time of 25.7 minutes (or 51.4 minutes a day) is just slightly higher than the national average of 25.1 minutes.
A small percentage (2.86 percent) of unlucky Pennsylvanians have a super commute of more than 90 minutes (or an hour and a half) a day.
How do you commute each day? The majority of people (76.2 percent) in Pennsylvania drive alone to work, though a small number also carpool or use public transit.
Traffic Congestion in Pennsylvania
Sitting in traffic can be a nightmare, which is why we want to see how much traffic is present in Pennsylvania. Two of Pennsylvania’s cities made into Inrix, a major traffic scorecard.
Let’s take a look at congestion in these two cities.
|City||2018 Impact Rank (2017)||Hours Lost in Congestion||Year over Year Change||Cost of Congestion (per driver)||Inner City Travel Time (minutes)||Inner City Last Mile Speed (mph)|
|Philadelphia||69 (67)||112 (95)||0%||$1,568||6||10|
|Pittsburgh||59 (56)||127 (77)||5% (increase)||$1,776||5||13|
If you live in Philadephia or Pittsburgh, make sure to leave earlier to allow time for traffic congestion.
We hope this guide answered all your questions about car insurance in Pennsylvania. Hopefully, you are now ready to drive on Pennsylvania’s roads.
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