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Cheap Car Insurance In Pennsylvania

If the place you call home is anywhere across the Keystone state, you’re in luck! SafeAuto provides cheap auto insurance in Pennsylvania that fits your life and budget while maintaining the coverage that meets the Keystone state’s minimum requirements for an auto policy. Whether you reside in one of Pennsylvania’s small towns or one of Pennsylvania’s largest cities, SafeAuto has got you covered with an affordable car insurance policy with 24/7 access to our customer service team. Start your fast and free auto insurance quote online, and join the SafeAuto family today!

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Required Minimum Auto Insurance Coverages In Pennsylvania

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as four amounts separated by slashes written as 15/30/5/5 or 15,000/30,000/5,000/5,000

Pennsylvania law requires you to maintain liability limits of at least:

  • $15,000 | Bodily Injury per Person

    The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.

  • $30,000 | Bodily Injury per Accident

    The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $15,000 per person limit.

  • $5,000 | Property Damage

    The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.

  • $5,000 | First Party Medical

    The maximum amount that your policy will pay for first party medical bills that result from an accident, regardless of fault.

Proof of Financial Responsibility & Penalties

Under Pennsylvania law, you are required to provide documentary proof of Financial Responsibility in the following circumstances:

  • At the request of a law enforcement officer at the time of an accident or traffic stop
  • When registering a vehicle
  • When your vehicle is inspected

To ensure drivers continue to meet the Financial Responsibility requirements, Pennsylvania requires insurance companies to notify the Pennsylvania Department of Transportation (PennDOT) of all policy issues, cancellations and terminations. If your insurance company sends PennDOT a notice that your policy is no longer active, PennDOT may send you an inquiry requesting new insurance information.

Penalty for Failure to Comply with Pennsylvania's Financial Responsibility:

If your motor vehicle is not insured with liability insurance, you could face the following penalties and fines:

  • A minimum of $300 fine for driving uninsured
  • A three (3) month suspension of your vehicle registration
  • A three (3) month suspension of your driver's license
  • $50 restoration fee to reinstate your vehicle registration
  • $50 restoration fee to reinstate your driver's license
  • A vehicle may not be driven by anyone while the registration is suspended

Avoiding Suspension:

A suspension may be avoided by the return of the registration plate, sticker and card to PennDOT at the time the insurance policy is canceled or Financial Responsibility lapses. Registration Plates, stickers and cards must be received by the Department no more than thirty (30) days after insurance was canceled. Registration plates, stickers and cards received by the Department after thirty (30) days will result in a three (3) month registration suspension.


You can get a free car insurance or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have.

SafeAuto offers affordable Pennsylvania car insurance throughout the entire Keystone state! If you are looking for more car insurance information in a specific city across the state of Pennsylvania, more material can be found below.

Related Pennsylvania Insurance Requirement Information:

Pennsylvania Department of Transportation

SafeAuto loves to save you money on your car insurance. That’s why SafeAuto is the Insurance for the Rest of Us. We’d be happy to have you be a part of the SafeAuto family while you’re enjoying the road ahead!

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