Insurance in Pennsylvania

In Pennsylvania, auto insurance must have medical coverage and liability insurance. Pennsylvania is a no-fault state, meaning the insurance provider will help with payments for medical bills for you or your passengers, regardless of who was at fault.


They use a no-fault system to try and curb the amount of civil suits, between individuals in car accidents. For medical coverage, insurance companies offer a limited or full tort option.


Limited tort lets an individual sue only for the medical costs, that stem from the accident. Full tort lets an individual sue for both the medical costs and additional pain and suffering caused by the accident. Having full tort medical coverage will raise your premium price.


Since insurance is a requirement in Pennsylvania, all drivers are guaranteed access to insurance from someone like Although, insurance companies have the right to deny anyone coverage, if they don’t meet the companies standards. If you are unable to get insured by a company, insurance is available through, Pennsylvania’s assigned risk plan. All Pennsylvanian insurers must accept applicants through the assigned risk plan.


Typically, when buying insurance, you’ll have the option to get higher limits on your medical and liability coverages. They may also offer additional options, like collision or comprehensive. They will make your payments more expensive, but could be worth having for peace of mind.


Pennsylvania auto insurance quotes are available in several places, and a variety of companies offer a varying amount of options to choose from. The cheapest choice changes from company to company, depending on where in Pennsylvania you reside in.


However, one of the cheapest insurers across the entire state is Geico. They’re a nationwide insurance company, with a good reputation and provide multiple kinds of insurance.


The next cheapest option across the board is QBE NA. They’re an international insurance agency, operating in 49 countries. The offer a variety of insurance options and online quotes.


Lastly, Erie insurance comes up as another one of the cheaper insurance options. With over 90 years of services and options to get a quote, file claims or pay bill online, makes them a convenient choice.


It’s always best to call multiple insurance providers, sometimes the online quotes are inaccurate and won’t match what a real agent can provide you. Insurance rates will always differ, depending on your circumstances. Most companies offer discounts, like multiple vehicles, safety features, and good driving records. It’s always good to ask an agent what kind of discounts you might be able to claim.