Cheap Car Insurance in PA

PA Insurance Requirements
Auto insurance rates are different based on the make, model and year of the vehicle, the information about the driver and his driving history, and also by the type of insurance company you talk to about the policy. There are different types of insurance companies. Preferred companies offer several different tiers of coverage and services, standard companies offer less tiers and services and then non-standard companies offer even less services. Just because the non-standard companies don’t offer the same coverage and tiers as these other companies doesn’t mean that you can’t get the level of coverage and service that you need.

There are several non-standard insurance companies doing business in Pennsylvania. If you only need the state required minimum liability coverage for your needs, then there’s no reason not to purchase from a non-standard company. The state of Pennsylvania requires drivers to purchase and maintain liability insurance for their vehicles as proof of financial responsibility. The minimum required insurance coverage is as follows:

  • $15,000 for Bodily Injury Liability per person
  • $30,000 for Bodily Injury Liability per accident
  • $5,000 for Property Damage Liability for damage to property
  • $5,000 for Medical Benefits

These limits are the state minimum requirements but drivers may also choose higher limits and additional coverage, such as uninsured/underinsured motorist coverage, extraordinary medical benefits and physical damage coverage for their vehicle. Having additional coverage could protect you and your assets in the event of a serious accident.

If the Pennsylvania Department of Transportation (PennDOT) determines that you have operated your vehicle without liability insurance, they can suspend your driver’s license for three months, suspend your vehicle registration for three months, and require you to surrender your license plates, registration sticker and driver’s license. Restoration fees and proof of insurance must be submitted to PennDOT prior to having your registration and/or your driving privileges returned.

Drivers must carry proof of insurance and present it to any law enforcement officer if they stop you for a traffic violation or for any other reason. If an officer discovers that you do not have insurance you could face the following penalties and fines:

  • Minimum $300 fine for driving uninsured
  • 3 month suspension of your registration
  • 3 month suspension of your driver’s license
  • Fees to restore your registration
  • Fees to restore your driver’s license
  • Vehicle impoundment

The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the state of Pennsylvania are subject to change.  Visit the Pennsylvania Insurance Department at http://www.insurance.pa.gov/portal/ for current information.

Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer affordable auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.