How much can you save?
How Much Is Auto Insurance in Pennsylvania?
Car insurance costs vary from person to person based on a number of factors, such as your driving history and your vehicle’s age, make/model, and usage. Of course, the coverage you choose will also impact how much you pay. Whether your commute is in Pittsburgh or another part of the Keystone State, we’ll work with you to create a policy that meets your needs.
Bundle Discount
Save more by bundling your policies with NJM. Get a free quote for NJM Auto, Homeowners, Condo, Renters, and Umbrella policies.‡
Multi-Car Discount
Have two or more vehicles in your household? We'll apply a discount to each car that's insured under the same policy.
Good Student Discount
We think you deserve some savings for doing well in school. If you're a high school or college student who's made the honor roll or Dean's List, or has at least a B average or 3.0 GPA, you may qualify for a discount.
You’re going to love NJM.
Here’s what our customers say:
Customer testimonials are not in affiliation with J.D. Power 2024 Auto Claims Certification Program.
NJM Insurance has been certified by J.D. Power for providing personal lines customers with “An Outstanding Auto Claims Experience”, seven years in a row.
In an industry that relies on customer satisfaction, we pride ourselves on being committed to our customers. Get a quote today and learn what sets us apart.
What Can Auto Insurance Cover in Pennsylvania?
Pennsylvania No-Fault Insurance
Since Pennsylvania is a no-fault state, if you or anyone covered by your policy is injured in an auto accident, your policy pays for necessary medical expenses (up to your chosen limit) regardless of who caused the accident.
Optional Property Damage Coverage
NJM policies with comprehensive and collision coverage also include: Limited Pet Coverage§, New Car Replacement§, and Transportation Expenses.
Have Questions? We Have Answers!
Insurance is sometimes complicated, but no worries. Here are answers to some questions we commonly receive:
Customize Your Policy
If you think you need additional coverage, we can offer that, too. Endorsements allow you to add increased limits and extra coverages to your policy. Personalize your coverage for your unique needs.
You can add some endorsements to your policy yourself when you access your policy online. Learn more or log in.
See all endorsements
* Figure reflects average annual personal auto insurance premium savings on a countrywide basis for applicants who reported their prior premiums and switched to NJM between 4/1/24 and 3/31/25. Individual savings may vary.
‡ This discount does not apply on Basic Personal Auto policies.
J.D. Power 2024 Auto Claims Certification Program℠ recognition is based on successful completion of an audit, exceeding a customer experience benchmark through a survey of recent claims servicing interactions, and a Financial Strength rating. For more information, visit jdpower.com/awards.
§ Applies to New Jersey policies issued or renewed after 6/1/19, Pennsylvania policies issued 1/1/18 and later, and Connecticut, Maryland, and Ohio policies.
The information contained on this page should not be construed as legal, financial or insurance advice. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy; the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.