Local Insurance Factors for Pennsylvania
How local conditions affect your insurance premiums.
Unique Risks
- Deer collisions
- Winter weather
- Philadelphia traffic
Did You Know?
PA is a 'Choice No-Fault' state. You can choose 'Limited Tort' (cheaper, can't sue for pain/suffering) or 'Full Tort' (more expensive, retain right to sue).
Top Rated Insurers in Pennsylvania
Erie Insurance
Penn National
Nationwide
Allstate
Progressive
What Pennsylvania Drivers Ask
What is the difference between Limited and Full Tort?
Limited Tort saves money but waives your right to sue for pain and suffering unless injuries are 'serious'.
Is minimum coverage enough?
15/30/5 is very low. Most experts recommend at least 50/100/50 to protect assets.
What Pennsylvania Drivers Are Saying
See what real Pennsylvania drivers are saying.
★★★★★
"Excellent service and very transparent pricing."
★★★★★
"Saved me over $500 on my policy. Highly recommend!"
★★★★★
"Found a local insurer I didn't even know about."
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