Pennsylvania
Auto Insurance Coverages

How do you choose the auto insurance that's right for you when there are so many companies offering auto insurance in Pennsylvania? Finding auto insurance that fits your lifestyle can be daunting, but your local Allstate agent will take the time to help you make the right choices as your auto insurance needs change. Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products available in Pennsylvania. If you have a teen driver in PA, you must consider Pennsylvania's Graduated Driver Licensing laws (see chart below).

For more information on this state, visit the Pennsylvania State Information or Pennsylvania State Catastrophe Information page.

Pennsylvania Auto Insurance Coverage Scale

As you consider what auto insurance coverages are right for you, keep in mind that Pennsylvania has required minimum coverage levels. Only you can decide what auto insurance coverages are right for you, but refer to the chart below for more information about Pennsylvania-required coverage levels and the most common car insurance coverages.


	Coverage		State Requirements	Most Common

	Bodily Injury Liability		15,000/30,000	100,000/300,000

	Property Damage Liability		5,000	50,000

	Uninsured and Underinsured Motorist Bodily Injury		Not required	100,000/300,000

	Medical Expenses Coverage		5,000	5,000

	Collision		Not required	500 deductible

	Comprehensive		Not required	100 deductible

Pennsylvania Graduated Driver Licensing

If you have a teen driver, you should know about Graduate Driver Licensing (GDL). GDL laws are one of the few things that have been shown to save teen lives. Protect your teen driver by reviewing these GDL laws with them and use them to form driving rules that help keep your teen driver safe.


	Insurance Institute for Highway Safety Rating			Good

	Minimum Entry Age (Optimal: 16)			16, Has optimal provision

	Extended Learner Period (Optimal: at least 6 months)			Has optimal provision

	Parent Certification (Optimal: 30 hours minimal)			Has optimal provision

	Night Restriction (Optimal: 9 or 10 p.m.)			Has the provision but it is not optimal

	Passenger Restriction (Optimal: only 1 non-family member)			Has no provision

	Minimum Exit Age (Optimal: 18)			17

For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.

Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.

Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Delaware, Maryland, New Jersey, New York, Virginia, West Virginia

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Pennsylvania. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.

Pennsylvania Auto Insurance Coverages