Pennsylvania Car Insurance

Pennsylvania Car Insurance

Pennsylvania, The Keystone State, is home to over 12.7 million inhabitants (2011), making it the sixth most populous state in the county (2011).  Pennsylvania’s largest city is Philadelphia (2011), and its capital is Harrisburg.  Whether they live in Erie, Altoona, or Allentown, residents of Pennsylvania need dependable car insurance coverage in case of property damage or a collision.

On average, Pennsylvania residents spend 25.5 minutes commuting to work (2010).  Nearly 87% of employed inhabitants travel to their jobs in an automobile (2000), and over 87% of Pennsylvania households have a car available (2000).  For Pennsylvania drivers commuting to work, hazards like sudden storms, narrow lanes due to construction, and distracted drivers can pose risks on the road.  In the event of an accident, with proper auto insurance in place, Pennsylvania motorists can avoid most out of pocket costs for vehicle repairs and other more serious consequences of driving without auto insurance.

Key Statistics According to the Insurance Information Institute and the National Highway Safety Administration:

Uninsured Motorists

Nationwide: 12.6% (2012)

Pennsylvania: 6.5% ((2012)

Insurance Coverage Requirements:

Bodily Injury Liability

Property Damage Liability

Personal Injury Protection (One of the pioneer states for PIP)

Motorists are required to carry a minimum of $30,000 for all persons injured in an accident, with a maximum of $15,000 per person. They are also required to carry $5,000 for property damage. If you’ve had a major medical experience lately, or know someone who has spent several days in a hospital you probably realize how low these limits are compared to the reality of hospital care costs. A more common limit for Pennsylvania drivers is $100,000 per person, $300,000 per accident bodily injury and $100,000 per accident property damage. Many consider an umbrella with an additional $1,000,000 in limits available. Considering the chain reaction accidents that occur on Pennsylvania roads it would seem prudent to have higher limits of auto insurance protection.

Average Car Insurance Premium

The Insurance Institute uses an “average person” to establish an average rate for an average car. This figure is only good for comparison as so many factors go into establishing an auto rate.

National Average Cost Per Year: $841 (2013)

Pennsylvania Cost Per Year: $841 (2013) Same as national average

Crash Statistics

Fatalities: 1,195 (2014)

Alcohol Impaired Driver Fatalities: 345 (2014)

Fatalities per 100 million miles driven (PA): 1.23 (2013)

Fatalities per 100 million miles driven (Nationwide): 1.09 (2013)

By contacting a local independent auto insurance agent, Pennsylvania residents will receive personalized service and attention to detail they will not find elsewhere.  They can learn more about the kinds of car insurance available in their State and get answers to their questions about coverage.  With the assistance of an experienced independent insurance agent, they can review the factors that are important to consider in selecting auto insurance and purchase a policy that affords the security and reliability they need, whether they are driving from Williamsport to Scranton, or from New Castle to State College.

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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.