Get a Quote
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.
Who Needs Auto Insurance?
If you own a car in Pennsylvania, auto insurance is legally required. Aside from having that, having coverage you can count on for peace of mind. At NJM, we work with you to get you the coverage that suits your needs. Our team of representatives will work with you to ensure that you can drive with confidence.
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.
Why NJM?
NJM has been helping drivers for nearly 100 years. Although cars and technology have changed, our commitment to service hasn't. The last thing you want in the unfortunate event of an accident is a surprise from the people who should have answers. Our team will walk you through the claims process and make sure all of your questions are handled, including what happens next.
Save with Discounts
You deserve some bonuses for joining the NJM family, too. Check out some of our available discounts.
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
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 2022 Auto Claims Certification Program.
NJM Insurance has been certified by J.D. Power for providing personal lines customers with an exceptional Auto Claims Experience, 5 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.
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.
Know Your Policy
Car insurance helps reimburse you for vehicle repairs after a covered accident. NJM policies with physical damage (comprehensive and collision) coverage also include:
* 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 7/1/22 and 6/30/23. Individual savings may vary.
‡ The discount does not apply on New Jersey Re-Insurance Company auto policies.
J.D. Power 2022 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.
§ 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.