Non-owner car insurance in Pennsylvania

What insurers provide non-owner coverage in Pennsylvania?

Quotes for 7 insurers appear below, sorted from lowest to highest. Only military families can buy from USAA, whose price is $200.

The Pennsylvania Vehicle Code does not include the term SR-22. Instead, PennDOT asks for proof of financial responsibility, and each policy must include first-party medical benefits. Those cover your own doctor costs after a crash.

Pennsylvania’s baseline: low liability combined with medical benefits

The liability amounts are set by Chapter 17 of the Pennsylvania Vehicle Code, Title 75. Bodily injury coverage has to be at least $15,000 for each person, or $30,000 if two or more are hurt in one crash. Just $5,000 covers property damage per accident, so even a minor collision can go over that amount.

Pennsylvania follows no-fault rules. Regardless of fault, each policy provides for at least $5,000 in medical payments from your own insurer. The Pennsylvania Insurance Department auto insurance page explains the additional coverage options you have on top of that.

Getting back a Pennsylvania license when you own no car

Under Section 1783, you cannot end a license or registration suspension until you show proof of financial responsibility. The rule activates when you have a crash without insurance, leave a crash judgment unpaid, face a habitual-offender revocation, or get a conviction reported to PennDOT. People living in the state submit the proof on their own; insurers do not file it for you.

PennDOT’s insurance overview lists acceptable proof: a copy of the ID card, the declarations page, or a binder that a licensed agent signed. You must replace a binder after 30 or 60 days, because that is how long it lasts. If no insurer will write your policy, a signed application to the Pennsylvania Assigned Risk Plan also works.

People from another state file a certificate instead, from a company authorized where they live. Section 1782(b) also lets you offer proof that you own no vehicle at all.

Once you sell your car or apply for an Occupational Limited License

After you sell your car and switch to a non-owner policy, you should return the plate without delay. PennDOT requires the plate and card back within 30 days of the cancellation, per the financial responsibility FAQ. If you miss the deadline, your registration gets suspended for three months.

With an Occupational Limited License, certain people can keep driving for work while suspended. Per the OLL FAQ, the DL-15 petition is mailed with copies of your proof of insurance and any restoration fee still owed. On its license suspensions page, PennDOT provides a free letter that lists your own restoration requirements. Print the letter as soon as you open it, since PennDOT does not send copies by mail.

Pennsylvania costs grouped by age

A teenage driver can expect to pay about $595 each year. A 40-year-old driver pays an average of $460 a year for minimum coverage on an owned car, about $181 above a non-owner policy at $279.