Auto Insurance in Western Pennsylvania

Pennsylvania requires minimum liability of 15/30/5 — $15,000 per person, $30,000 per accident for bodily injury, and $5,000 for property damage. PA is a no-fault state, so you also need at least $5,000 in first-party medical benefits. Minimum coverage often isn't enough to protect your assets; we recommend higher limits.

Pennsylvania full coverage auto insurance averages $1,400–$1,800 per year, but your rate depends on your age, driving record, vehicle type, and ZIP code. As your local Erie Insurance agent, we compare rates and available discounts to find you the best price for your situation.

The biggest savings come from bundling home and auto together — typically 10–20% off both policies. Additional discounts include safe driver, good student, anti-theft device, multi-car, and loyalty discounts. We review every available discount for every new client.

Stay calm, check for injuries, and call 911 if needed. Exchange insurance and contact information with the other driver, take photos of the scene, and then call us or Erie Insurance to report the claim. We walk every client through the claims process from start to finish.

Yes — Erie offers rental car reimbursement as an optional add-on. If your vehicle is in the shop after a covered loss, Erie will pay for a rental while yours is repaired. Ask us to include this when you get your quote.