Pennsylvania is home to rolling hills and bustling cityscapes. Good drivers can unlock significant savings on their car insurance through SteadyDrive. By prioritizing safe driving habits, you can qualify for discounts on your auto insurance premiums. Commencing your journey is a straightforward process: Download the app, start your test drive, and see if you qualify for discounted car insurance quotes.
NOTE: These sample rates are based on drivers who own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
How SteadyDrive Works
Start your test drive
Drive safe & you could qualify for
savings on car insurance.
Qualify for discounts
After a few weeks, you could get discounted insurance quotes from a leading insurer.
Bodily injury liability coverage
$15,000 per person / up to a total of $30,000 per accident
Property damage liability coverage
$5,000 per accident
Medical Benefits
$5,000
Tort Option
Full or Limited
Optional Car Insurance Coverage (varies by carrier)
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage*
- Funeral benefits
- GAP coverage
- & more. Be sure to ask your insurance agent.
* Note: Pennsylvania also allows stacking of uninsured and underinsured motorist coverage at an additional cost. This means that you can combine coverage limits for multiple vehicles.
Frequently Asked Questions
Pennsylvania's no-fault car insurance system means that your own insurance, your required medical benefits coverage, pays for your medical expenses and other losses, regardless of who caused the accident.
However, you can opt out of the no-fault system and file a third-party insurance claim or lawsuit against the at-fault driver if your injuries meet certain thresholds set by state law.
Here is a summary of the two options:
Limited Tort (No-fault):
- Your own insurance pays for your medical expenses and other losses, up to coverage limits.
- You cannot sue the at-fault driver for pain and suffering or other non-economic damages.
Full Tort (Opt-out):
- You can file a third-party insurance claim or lawsuit against the at-fault driver for all of your damages, including pain and suffering.
- You are responsible for paying your own medical expenses and other losses until you win your case or settle with the at-fault driver's insurance company.
Which option is right for you depends on your individual circumstances. If you have serious injuries, you may want to opt out of the no-fault system so that you can sue the at-fault driver for all of your damages. However, if you have minor injuries, you may want to stay in the no-fault system to avoid the hassle and expense of a lawsuit.
It is important to talk to your insurance agent about your options and choose the coverage that is best for you.
Source: NOLO
Pennsylvania requires drivers to carry $5,000 of medical benefits. In PA, medical benefits offer coverage similar to PIP coverage in other states.
Source: Brandon J. Broderick, Personal Injury Attorney At Law
Uninsured motorist coverage is not required in Pennsylvania. To reject this coverage, but you must do so in writing.
Source: Pennsylvania General Assembly
You Could Save Hundreds
SteadyDrive is your ticket to big savings on car insurance. We focus on your driving habits using telematics to track your behavior like speed, braking, and phone use. You can test-drive our app anonymously, with no impact on your current rate.
Download the free app, enroll in seconds, and watch the savings pile up as you drive safely.
SteadyDrive is not an insurer or an insurance agent or broker. SteadyDrive does not provide you with an insurance policy, so make sure that you have insurance coverage while you drive. Please contact your insurer or an insurance agent or broker (if applicable) directly regarding questions you may have pertaining to auto insurance coverage. For more details, see SteadyDrive’s Terms of Service.
Start Driving & Start Saving
