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pennsylvania car insurance that’s right for you, not someone sorta like you

Good news, Pennsylvanians: we've taken the liberty of simplifying the car insurance process for residents of your awesome state. In fact, you could say that the path to great auto coverage is now clear as a bell (sorry, we couldn't resist).

When you get a free quote for Pennsylvania car insurance, you'll be able to benefit from smart online tools like CoverageMyWay™, which helps you prioritize auto insurance coverages that make sense for you. Whether you live in Philadelphia, Pittsburgh, or somewhere in between, we're confident that our policies will have you feeling like you hit one out of the ballpark.

car insurance discounts in pennsylvania

We're true as steel when it comes to saving residents of your state cash on their car insurance. Here's a few of our bells and whistles:

  • Multi-Car discount
  • Claim-Free discount
  • Paid-in-Full discount
  • Homeowners discount
  • Fast 5® discount
  • Switch & Save® discount
  • Good Student discount
  • Anti-Theft discount
  • Safety Device discount
  • Multi-Policy discount
  • DriveSense™ discount

Of course, these discounts are subject to eligibility. If you're a current Esurance customer with questions about your car insurance discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

required auto insurance coverages in pennsylvania

Pennsylvania drivers are required to carry bodily injury liability coverage, property damage liability coverage, and medical benefits coverage with at least the following limits:

  • $15,000 bodily injury liability coverage per person
  • $30,000 bodily injury liability coverage per accident
  • $5,000 for property damage liability coverage
  • $5,000 medical benefits coverage (unless combined first party benefits coverage is on your policy)

Bodily injury liability can help cover medical expenses for those injured in an accident you cause. Property damage liability helps cover damaged property or car repairs (not including your own car) that you're responsible for. And medical benefits coverage can help pay for your medical expenses after an accident, regardless of fault.

When you choose coverages on your Pennsylvania car insurance policy, you can select higher limits than what's legally required for more financial protection in the event of a claim.

How fault and the right to sue work in Pennsylvania

Pennsylvania is a no-fault state, which means that your insurer will initially help pay your medical expenses regardless of who caused the accident. That part's simple.

Less simple is your choice between limited right to recover damages and full right to recover damages. If you select the limited option, your premium will likely be lower but you won't be able to sue an at-fault driver for pain and suffering unless the injuries reach a certain severity.

Full right to recover damages allows you to sue for any post-accident expenses plus pain and suffering, which is considered "non-monetary" damage in car-insurance speak. Selecting the full right to recover damages typically increases your premium.

No-fault doesn't apply to property damage (like a dinged-up car). The at-fault driver will generally be responsible for paying damages, which is where property damage liability can step in to help.

First party benefits medical coverage

"First party" refers to you and those covered by your policy. First party benefits coverage (FPB) offers financial protection in case you're injured in a car accident (regardless of who caused the accident).

Your FPB can be used to help pay for:

  • Medical and dental treatments
  • Hospitalization expenses
  • Nursing services
  • Prostheses

Pennsylvania drivers are legally required to maintain at least $5,000 in FPB medical coverage. Esurance customers can choose a limit as high as $100,000.

optional esurance coverages

Esurance offers a variety of additional optional coverages, which can give you added protection and peace of mind if you need to make a claim:

  • First party benefits – accidental death
  • First party benefits – extraordinary medical benefits
  • First party benefits – funeral
  • First party benefits – income loss
  • Combined first party benefits coverage
  • Comprehensive coverage
  • Collision coverage
  • Uninsured motorist (UM) bodily injury liability coverage
  • Underinsured motorist (UIM) bodily injury liability coverage
  • CarMatch Rental Coverage®
  • Towing and labor
  • Gap (loan/lease) coverage
  • Customized parts and equipment coverage

Are you an Esurance customer? Call us at 1-800-ESURANCE (1-800-378-7262) if you have questions about your coverages. Some exclusions may apply.

Stacking uninsured or underinsured motorist coverage

These optional coverages protect you from uninsured drivers. With Esurance, you can choose to "stack" your uninsured motorist coverage if you have at least 2 cars on your policy.

Here's an example of how stacking works:

  • If you stack $25,000/$50,000 of coverage per person/per accident on 2 cars, you have $50,000/$100,000 of coverage after an accident
  • If you stack $25,000/$50,000 of coverage per accident on 3 cars, you have $75,000/$150,000 after an accident

In exchange for the added financial protection, your premium will likely increase if you select the stacking option.

insurance facts and info

Factors that impact car insurance rates in Pennsylvania

Pennsylvania car insurance companies (Esurance included) can take the following into account when determining your car insurance premium:

  • Your driving record and claim history
  • The year, make, and model of your car
  • ZIP Code where your car is parked
  • Your credit-based insurance score
  • Gender, age, and marital status
  • Prior insurance history
  • Length of time you've been licensed to drive

Uninsured drivers

A 2011 report from the Insurance Research Council estimated that 7 percent of Pennsylvania's drivers were uninsured in 2009. That was among the lowest rates in the nation, which had an average of 13.8 percent.

No proof of insurance

Uninsured drivers can face the following punishments for a first conviction:

  • Minimum $300 fine
  • 3-month suspension of license and registration
  • Vehicle impoundment
  • Additional post-suspension restoration fees for registration and license

Luckily, Esurance policyholders in Pennsylvania can take advantage of our super handy, easy-to-use mobile app, even in the event that you get pulled over. Keystone State law permits digital proof of insurance, which means motorists in your state can pull up ID cards and other policy documents to show legitimate evidence of coverage.

Alternative insurance options

The state's Assigned Risk Plan is designed to help drivers who can't find car insurance coverage through a typical company. You can call 1-800-477-6146 for more info.

certified esurance repair shops

Esurance customers who take their cars to a shop in our E-star® network have repairs guaranteed and can track progress through RepairView®. Find one near you.

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Wonder if you could be saving on car insurance?

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