Pennsylvania Car Insurance

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto and Homeowners Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Car Insurance for Pennsylvania Drivers

Pennsylvania drivers, when you live in a place with as much history as the Keystone State, you understand the importance of stability and strength. Whether you’re traveling from the Pocono Mountains to the “Steel City” of Pittsburgh, it’s important for experienced drivers like you to know you’re protected by reliable car insurance as you travel along Pennsylvania’s roadways.

The AARP® Auto Insurance Program from The Hartford1 has been insuring Pennsylvania AARP members and their families since 1984, and our car insurance coverage has earned a reputation for trust and integrity. The Hartford has also earned high customer ratings for claims services, demonstrating that Pennsylvania drivers can count on The Hartford’s car insurance coverage to be there when you need it most.

If you’d like to request a car insurance quote, or just get more information about buying car insurance in the state of Pennsylvania, we’re here to help!

Car Insurance Benefits Offered for Pennsylvania Drivers

These are just some of the benefits that the AARP Auto Insurance Program from The Hartford can offer Pennsylvania drivers. The Program’s car insurance benefits include:
  • 12-month Rate Protection
  • Lifetime Renewability
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 24/7 Claim Service

Required Car Insurance Coverages in Pennsylvania

In accordance with Pennsylvania state law, drivers must carry liability coverage in the following amounts:2
  • $15,000 for bodily injury, per person per accident
  • $30,000 for bodily injury, total per accident
  • $5,000 for property damage per accident

Proof of Car Insurance for Pennsylvania Drivers

It’s always a good idea to keep your car insurance ID cards in the vehicle with your registration. Pennsylvania drivers also have the convenient option to furnish electronic ID cards as proof of their car insurance. With The Hartford’s mobile app, you can save your car insurance ID cards to your mobile device so that they are easily accessible. Visit the App Store™ or Google Play™ for more information.

Pennsylvania Uninsured Driver Facts

According to a 2012 Insurance Research Council report, 6.5 percent of Pennsylvania drivers don’t have car insurance. Pennsylvania is well below the national average of 12.6% of drivers who are without car insurance.3

Although uninsured and underinsured motorist coverages are optional in Pennsylvania, they can help protect you from financial loss in the event that you are involved in an accident with a motorist who doesn’t have adequate car insurance.

Additional Car Insurance Coverages Available to Pennsylvania Drivers

For added protection, Pennsylvania drivers may also be eligible for the following additional car insurance coverage benefits from The AARP Auto Insurance Program from The Hartford:
  • Comprehensive 
  • Collision
  • Roadside Assistance
  • Rental Reimbursement

Beyond Car Insurance: Staying Safe on Pennsylvania Roads

As you travel through Pennsylvania, there are a number of safe driving laws meant to protect you on Pennsylvania’s highways and byways. Here are just a few:4

Pennsylvania Seat Belt Laws:

Although Pennsylvania does not have mandatory seat belt laws, law enforcement can ticket you for not wearing a seat belt if you are pulled over for another reason.

Pennsylvania Distracted Driving Laws:

Texting while driving is banned in the State of Pennsylvania.

Pennsylvania Teen Driver Laws:

Getting a driver’s license is a rite of passage for all teenagers, and Pennsylvania wants to be sure they stay safe in the process! Pennsylvania has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
§§ Limitations apply.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
Additional disclosures below.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.