With Pittsburgh in the west, Philadelphia in the east, and beautiful countryside in-between, you truly must traverse the Pennsylvania end-to-end to experience everything the state has to offer. And unless you're taking the Amish lead and going in a horse-drawn buggy, that means having a functioning vehicle to help you do it.
Protect yours with flexible, reliable car insurance from Nationwide.
Take advantage of Nationwide's features
Nationwide makes it easy for you to find dependable auto insurance in Pennsylvania. We can show you options so you can choose the coverage that's right for your needs, goals and budget.
Explore the features below to learn more about what we can offer you:
On Your Side® Claims Service
Choose a shop in our network to get a written guarantee on repairs for as long as you own your vehicle.1
Discounts helping you save
We offer many ways to help lower your auto insurance rates. See the many ways you can save with qualifying discounts.
On Your Side® Review
Enjoy a free consultation with an agent who's here to help you get the protection you need at the price that's right for you.
Resources at your fingertips
Make payments, print ID cards, report claims and more, quickly and easily online. We even have a mobile app for on-the-go account access.
Pennsylvania car insurance discounts
Nationwide makes it easy to find affordable car insurance. Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below:
Multi-policy
When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life.
SmartRide® program
SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn.2
Good student
Nationwide offers a student discount for drivers age 16 to 24 who maintain a B average or better and are full-time students.
Defensive driving
This discount applies to drivers age 55+ who have completed and passed a state-approved defensive driving safety course.
Anti-theft
If you have an anti-theft device installed in your car you may be eligible for a discount. Savings vary based on the type of device installed. Proof of installed device may be required.
Safe driver
It is important to maintain a clean driving record. If you have at least 5 years of safe driving, you could be eligible for safe driver discount.
Automatic payments
Get a one-time discount for setting up monthly recurring bill pay from your checking or savings account.
Accident free
When you maintain an accident-free driving record you could earn up to 10% reduction in your monthly premium.
Save up to 20% when you bundle home and car insurance with Nationwide.
Find Nationwide Insurance near you in Pennsylvania
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Car insurance laws in Pennsylvania
As a resident of Pennsylvania, you are required to carry car insurance and purchase coverage before you register your vehicle. Insurance coverage and cost may also vary depending on where within the state you live. Before you get started, here are some important factors to keep in mind:
No-fault insurance
Pennsylvania is a state where carrying no-fault insurance is mandatory. If you happen to get into a car accident, no-fault insurance will reimburse you for any hospital or medical expenses, wage losses from an inability to work, and if necessary, any funeral costs. No-fault insurance will cover these expenses regardless of who is responsible for the accident. It does not, however, cover any damage to your car.
Pennsylvania teen driving laws
Young drivers are eager to get out on the road and experience that kind of freedom for the first time in their lives. To ensure safety on the road for everyone, it’s important to become familiar with the laws for new drivers in Pennsylvania.
New drivers can apply for their learner’s license once they turn 16. They can then receive their restricted driver’s license once they have completed six months of driving, including 65 hours of supervised driving, 10 hours at night, and 5 hours during inclement weather. Once a driver turns 17 years and 6 months, all restrictions are lifted as long as they have had their junior license for 12 months, have not crashed their car, and have not received any convictions. You can learn more about the rules a young driver in Pennsylvania must follow here.
Minimum insurance requirements for Pennsylvania
When you buy Pennsylvania auto insurance coverage, you’ll need at least the required state minimum amount: $15,000/$30,000/$5,000. This means that in the event of an accident, if you are at fault, you are covered up to $15,000 for bodily injury for each person involved in an incident, with a total maximum of $30,000 per incident. It also covers up to $5,000 for damage to another person’s property.
Liability coverage
As a Pennsylvania driver, there are two types of liability coverage your insurance policy must include:
- Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
- Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.
Liability coverage also provides for your legal defense if a suit is brought against you as a result of a covered accident.
Limited or full tort coverage
Choose from limited for full tort coverage:
- Limited tort limits the right for the insured to seek financial compensation for pain and suffering due to injury in an accident.
- Full tort allows the insured to seek financial compensation for pain and suffering due to injury from an auto accident when you are not at fault.
Medical benefits
Pays for necessary medical expenses for you or others covered under the policy, no matter who is at fault.
Optional Pennsylvania insurance coverage
It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:
Comprehensive
This type of Pennsylvania auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.
Collision
Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).
Uninsured/underinsured motorist
Protects you in the event of an accident where the other party is at fault and either doesn’t carry insurance or is underinsured.
- Bodily injury may protect you if you’re involved in an accident and the other party is at-fault and either is uninsured or doesn’t carry enough insurance to cover costs related to your bodily injury damages.
- Property damage may protect you if you’re involved in an accident where the other party is at-fault and uninsured/underinsured for damages sustained to your vehicle and other covered property (subject to deductible). You do not need Uninsured/Underinsured property damage coverage if you have collision coverage.
Nationwide coverage in Pennsylvania
[1] Guarantee is limited to alternative parts identified on appraisal and used in repair. Also, work performed at an On Your Side Auto Repair Center includes workmanship guarantee. For informational purposes only. Program terms and conditions are controlling.
[2] Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.