Finding Cheap Car Insurance in PA

Looking for cheap car insurance in Pennsylvania? With so many coverage options and carriers available, comparing quotes may help you find a rate that fits with your budget.

At Infinity Insurance Agency, LLC (IIA), we can help Pennsylvania drivers customize a policy that works for their lifestyle. We also offer Spanish-bilingual support, SR-22 filing assistance, and same-day ID cards, once payment is issued. Whether you're looking for affordable auto insurance options in Pennsylvania or need to update your coverage, our agents can help you personalize a policy that fits your needs.  

Compare car insurance quotes in PA  

If you’ve ever felt that shopping for car insurance was too confusing, IIA is here to assist you. A great way to find affordable coverage in Pennsylvania is by comparing auto insurance quotes. Since rates vary between carriers, we can help you compare quotes so you can find an affordable rate for your budget.  

Our agents can assist drivers in Philadelphia, Pittsburgh, and across Pennsylvania, so you can get the coverage you need with same-day proof of insurance, once payment is finalized. If you’re searching for cheap car insurance in PA, contact IIA for a free personalized quote!

Pennsylvania car insurance requirements

Before you choose a policy, it may be helpful to understand Pennsylvania car insurance requirements. The state sets minimum liability coverage levels that all drivers need to carry to drive legally.  

As of 2026, here are the liability limits:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $5,000 property damage liability  

Pennsylvania also requires drivers to have $5,000 of Personal Injury Protection (PIP) on their policy, also called First Party Benefits. This can help pay for medical expenses and lost wages for you and your passengers after an accident.  

The state of Pennsylvania also offers drivers tort options, which include full tort or limited tort. If you have full tort, that means that the driver who is at fault for an accident may be held fully responsible for lost wages, medical expenses, and third-party vehicle damage. The more cost-effective option is limited tort, which may limit your ability to recover certain non-economic damages after an accident, like suing for pain and suffering. You can talk to an experienced IIA agent about full tort vs limited tort, who can help you decide what option is right for you.  

If you don’t have insurance in Pennsylvania, this may cause serious issues. Severities can include fines, license revocation, and vehicle registration suspension. IIA can help drivers meet PA minimum coverage requirements by comparing policies across multiple carriers, allowing you to select the right policy for your budget.  

Personal auto insurance coverage options in Pennsylvania

While minimum coverage can help you drive lawfully in the state, many drivers may choose additional options that can help cover a wider array of accidents. There are several personal auto insurance coverage options you may want to consider:  

• Collision coverage: This can help pay for damage to your car after an accident, regardless of fault.
• Comprehensive coverage: This may help cover non-collision accidents to your vehicle, like vandalism, weather damage, and theft.
• Uninsured/underinsured motorist coverage: If you get into an accident with an at-fault uninsured driver, this coverage may help pay for damages to your vehicle.  
• Gap insurance: If your car is declared a total loss, this insurance may help cover the gap between what you owe on your car loan and the depreciated value of your car.

IIA can make it easy for you to explore car insurance quotes. We can help you locate rates from 20+ carriers so you can find a great price for you. Our agents can assist you with customizing your policy so you can get the best car insurance in Pennsylvania for your needs. 

Special considerations for Pennsylvania drivers

If you’ve had accidents, tickets, or gaps in coverage, you may be considered higher risk by certain insurers. This is where you may want high risk auto insurance in Pennsylvania.  

Even if you’re considered a risky driver, here are some steps you may want to take to help you find affordable insurance that works for you:

• Meet SR-22 insurance Pennsylvania requirements (when mandated)
• Take a defensive driving course that’s approved by your insurance agent
• Compare rates from different carriers 

Pennsylvania also offers the Assigned Risk Plan that can help drivers find coverage who’ve had trouble in the traditional insurance market. IIA also specializes in helping higher-risk drivers find Pennsylvania auto insurance solutions that work for them. We can help you access a wide range of carriers that accept foreign IDs, such as Matricula Consular.  

Compare car insurance quotes in PA today  

If you’re ready to save on auto insurance, now is the time to talk to an IIA agent about finding car insurance.  IIA can help you find the best car insurance in Pennsylvania for you by comparing rates from 20+ reputable carriers. With Spanish-bilingual agents, same-day proof of insurance once payment is issued, and flexible payment options, we’re here to serve drivers of various needs across the state.

Whether you need basic coverage or you’re on the hunt for the cheapest full coverage car insurance in PA, our team may be able to assist you. Contact IIA today at 1-855-478-3705 to get a free personalized quote today!