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Pennsylvania Auto and Home Insurance
Pennsylvania, often referred to as the "Keystone State," offers a unique blend of natural beauty, rich history, and modern conveniences. Whether you're drawn to the rolling hills of the countryside, the vibrant urban life of cities like Philadelphia and Pittsburgh, or the strong sense of community in smaller towns, Pennsylvania has something for everyone. Home and auto insurance are key to financial protection and peace of mind for Pennsylvania residents. Whether you're a homeowner seeking to protect your property or a driver in need of reliable auto insurance, understanding the state's insurance rates, regulations, and options will help you make decisions about coverage.Table of Contents
Average Home and Car Insurance Rates in PennsylvaniaOther Home and Auto Discounts Available in PennsylvaniaHow to Get Insurance Quotes in PennsylvaniaSelectQuote Shops Home and Auto Insurance Quotes for YouPennsylvania Home and Auto Insurance FAQsCar Insurance in Pennsylvania Homeowners Insurance in PennsylvaniaNeed Help Finding Home and Auto Insurance? Call SelectQuoteAverage Home and Car Insurance Rates in Pennsylvania
When shopping for home and auto insurance, one of the most significant factors to keep in mind is the cost. At SelectQuote, we understand the importance of finding the right policy for not only your needs but also your budget. Read on to explore the average cost of home and auto insurance in Pennsylvania.What is the average home insurance cost in Pennsylvania?
The average Pennsylvania home insurance rate for SelectQuote customers is $94.91 per month.+ Your rate will vary based on several factors, including:- Your credit history
- The age and condition of your home
- Your claims history
- Your policy limit
- Your deductible
- Any applicable discounts
What is the average car insurance cost in Pennsylvania?
The average Pennsylvania car insurance premium for SelectQuote customers is $135.08 per month,+ but your rates will vary based on:- Your ZIP code
- Your policy limits and coverage options
- Your make, model, and year of automobile
- Your annual mileage
- Your driving history
Bundle Your Home and Auto Insurance to Save Money
The following rates are real average home and auto insurance premiums paid by SelectQuote customers in Pennsylvania. Your own rates will vary based on factors such as your credit rating, driving history, claims history, deductible, and more. SelectQuote customers save an average of nearly $700 a year by bundling their home and auto policies.| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
| Harrisburg | $90.07 | $164.51 | $247.97 |
| Philadelphia | $135.13 | $228.92 | $301.48 |
| Pittsburgh | $75.86 | $102.51 | $179.16 |
| Reading | $69.98 | $88.28 | $168.17 |
| York | $89.22 | $99.32 | $141.71 |
Other Home and Auto Discounts Available in Pennsylvania
In Pennsylvania, homeowners and drivers alike can take advantage of a variety of discounts to reduce the cost of their home and car insurance premiums. Insurance providers often offer savings for bundling policies, maintaining a clean driving record, or installing safety features in your home or vehicle. With so many options available, it's important to explore all possible discounts to ensure you're getting the best value for your coverage.Homeowners Insurance Discounts
Common discounts you might find as you shop for home insurance coverage include:- Customer loyalty discounts
- Discounts for installing a home security system or other anti-theft measures
- Discounts for new construction
- Discounts for installing a new roof, windows, etc.
- Discounts for bundling your home and auto insurance under one policy
Auto Insurance Discounts
In Pennsylvania, there are many common auto insurance discounts that drivers can take advantage of to lower their premiums. Some of the most popular discounts include:- Safe driver discount
- Student discounts
- Discounts for military members or other service careers
- Discounts for paying premiums in full annually rather than in installments
- Bundling discounts
How to Get Insurance Quotes in Pennsylvania
In Pennsylvania, finding the right insurance coverage at the best price can be a time-consuming process, especially with so many providers to choose from. Working with a brokerage like SelectQuote is a great place to start. Our licensed agents use proprietary propriety technology to browse a wide range of insurers, helping you find quotes that suit your specific needs and budget in as little as 15 minutes.Shopping for Homeowners Insurance
To get started shopping for home insurance, it can be helpful to follow these steps:- Evaluate Your Coverage Needs: Consider factors like the age of your home, whether or not it has any safety or anti-theft features, and the amount of assets or valuables you want to protect.
- Compare Quotes: It’s best to shop around from several companies at once—a process made easier when you work with a brokerage like SelectQuote.
- Explore Discounts: Even if one company’s coverage looks more expensive, there may be applicable discounts that can help you save.
Shopping for Auto Insurance
When shopping for auto insurance in Pennsylvania, here’s what you’ll need to know:- Know Your Minimum Coverage Requirements: Determine the minimum coverage you need to drive legally and ensure your policy choices meet these limits.
- Determine Additional Coverage Requirements: If your vehicle is financed, you may need to buy additional coverage to satisfy your loan requirements.
- Compare Quotes: SelectQuote can help you compare policies from several carriers at once, including policy limits, deductibles, rates, and discounts.
SelectQuote Shops Home and Auto Insurance Quotes for You
For customers who are brand new to buying home and auto insurance or those who simply want to switch and save, we offer unbiased recommendations based on your unique needs. We can help you navigate decisions about insurance for your home or car by comparing a variety of quotes from trusted carriers in as little as 15 minutes.Our Trusted PA Home and Auto Insurance Partners
At SelectQuote, we partner with some of the most trusted home and auto insurance companies in Pennsylvania to help you find affordable coverage. By comparing rates from multiple carriers in a matter of minutes, our licensed agents can help make sure you’re getting the right policy for you at a price that meets your budget.Who has the cheapest insurance rates in Pennsylvania?
Insurance rates can vary widely by individual, so the cheapest insurance company for one person may not be the same for another. Shopping around for plans from multiple providers can help you find the best rates for your situation.
Do you need car insurance in Pennsylvania?
Yes, car insurance is required in Pennsylvania. The state mandates that all drivers carry at least the minimum coverage for liability, which includes bodily injury and property damage. Additionally, Pennsylvania uses a "choice no-fault" system, meaning drivers can choose between no-fault or full tort insurance.
Do you need renters insurance in Pennsylvania?
While renters insurance is not legally required in Pennsylvania, it is highly recommended. Renters insurance provides protection for personal belongings in case of theft, fire, or other damage. Many landlords also require renters insurance as part of the lease agreement.
Is Pennsylvania a no-fault auto insurance state?
Pennsylvania is a "choice no-fault" state. This means that drivers can choose between a no-fault insurance system or a traditional tort system, where they can sue for damages following an accident. If you opt for the no-fault system, your own insurance will cover medical costs regardless of who is at fault in an accident.
Car Insurance in Pennsylvania
For the over 9 million licensed drivers in Pennsylvania, auto insurance isn’t just something nice to have for financial protection—it’s a legal necessity. Depending on what kind of car you drive, you may need minimum legal coverage or a comprehensive policy that protects you against accidents or auto-related losses. SelectQuote can help you find the right auto insurance policy for you that works with your budget.Pennsylvania Auto Insurance Laws and Requirements
Pennsylvania requires all drivers to carry auto insurance to prove they can bear responsibility in the aftermath of a car accident they cause. This insurance must be sold by all insurance companies operating in the state of Pennsylvania and is known as bodily injury liability coverage and property damage liability coverage.Liability insurance is only one of several different types of auto insurance coverage:- Liability insurance pays for damages caused by you if the accident is your fault. It will also pay for medical bills incurred by the other driver or their passengers. Pennsylvania requires drivers to have $15,000 of coverage for injuries per person, up to $30,000 per accident. It also requires $5,000 of coverage for property damage.
- Uninsured/underinsured motorist coverage pays for medical expenses when the other driver is at fault and doesn’t have sufficient insurance coverage.
- Personal injury protection insurance can help pay for medical or funeral expenses for you or your passengers.
- Collision coverage helps cover expenses for repairs or replacement of your vehicle if it’s damaged in an accident.
- Comprehensive coverage can help pay for repairs or replacement for vehicles that are stolen or damaged by storms, vandalism, or animals.
- Gap insurance pays the difference between what you owe on your vehicle and what it’s valued at when totaled after an accident.
| Types of Coverage | Minimum State Requires |
| Bodily Injury Liability | $15,000 per person/$30,000 per accident |
| Property Damage Liability | $5,000 |
| Uninsured Motorist | Not required |
| Underinsured Motorist | Not required |
| Personal Injury Protection | Not required |
| Collision | Not required |
| Comprehensive | Not required |
| Gap Insurance | Not required |
Pennsylvania Teen Driving Laws
In addition to auto insurance requirements, young drivers are also required to obtain a graduated driver’s license that begins with a learner’s permit that has restrictions on passengers, nighttime driving, and a ban on cell phone use. After turning 18, drivers are allowed to apply for a full, unrestricted license. Some young drivers may meet qualifications and be able to get their unrestricted license sooner, such as completing driver’s education courses and maintaining a clean driving record for 12 months.Pennsylvania Car Registration Information
To register your vehicle in Pennsylvania—either as a new resident or as the owner of a new vehicle—you must provide the following:- A valid title for all vehicles to be registered
- Proof of valid Pennsylvania auto insurance, including insurance cards or the declarations page of a policy
- A tracing of the VIN or verification of the VIN by an inspection mechanic or notary at a dealership or issuing agent
- Appropriate fees
- A valid Pennsylvania driver’s license
Homeowners Insurance in Pennsylvania
Buying homeowners insurance in Pennsylvania is important due to the wide variety of losses state residents may experience. From fires and flooding to frozen pipes and snow-packed roofs, there’s no shortage of hazards that could cause damage to your home. Home insurance can help protect you from bearing the brunt of the worst of these disasters.Common Causes of Loss in Pennsylvania
Pennsylvania’s position in the northeast and its varied geography puts it at risk of several types of perils and hazards, such as:- Fires, including wildfires, can impact the wooded and mountainous areas of the state. This is especially true during dry periods.
- Snowstorms occur during the winter months, sometimes bringing several feet of snow. Heavy snow can damage roofs and lead to interior damage.
- Frozen pipes are a common problem in the colder months, especially because a significant number of houses in the state are older. Insulating pipes can help prevent possible damage, but icy temperatures are still a risk.
- Floods can occur as a result of heavy rains, both from thunderstorms and from remnants of hurricanes after they make landfall.
Homeowners Insurance Coverage Options in Pennsylvania
The kinds of coverage offered by an insurance company differ based on state and licensing laws, but most Pennsylvania homeowners insurance policies will include most of the following types of home insurance coverage:- Dwelling coverage is a standard policy that covers the actual physical structure of your home. If you have an attached garage or other structure, this will be covered as well.
- Personal property coverage works to cover your household belongings. If it’s inside or outside your home, it is covered.
- Personal liability coverage protects you in the event someone is injured on your property and you’re found at fault for their injury. It also covers damage to another person’s property.
- Guest medical protection coverage exists to cover people who are injured on your property, regardless of who may be at fault.
Additional Coverage Options Recommended for Pennsylvania Homeowners
Standard home insurance policies cover several named and unnamed perils, but there are certain policy add-ons that may make sense depending on where you live. Pennsylvania homeowners may want to consider the following additional coverage options:- Flood insurance is almost always recommended as an additional policy because most standard home insurance policies do not cover flooding. Flood insurance may be purchased from the National Flood Insurance Program (NFIP).
- Sinkhole insurance may be a recommended purchase, as Pennsylvania is one of seven states particularly vulnerable to sinkholes.
- Water backup coverage can help offset the cost of damages due to sewer backups or clogged drain lines.
Need Help Finding Home and Auto Insurance? Call SelectQuote
Learning the ins and outs of home and auto insurance in Pennsylvania may seem complicated, but SelectQuote is here to help. Our licensed insurance agents have the tenure and knowledge to help you make informed decisions about coverage. We’ll even take the heavy lifting out of your hands by comparing a variety of quotes from trusted carriers on your behalf. +Average rates calculated are based on effective SelectQuote customer policies in Pennsylvania between 4/1/2022 and 3/31/2023. Rates will vary based on level of coverage, location, age, and additional determining factors.We do the shopping. You do the saving.
