7% of drivers in Pennsylvania have no insurance at all. If one of them hits you, uninsured/underinsured motorist coverage (UM/UIM) pays for your injuries and vehicle damage. It's one of the most important coverages you can add — and one of the cheapest, typically adding just $10-$25/month.
(888) 217-6781Imagine you're stopped at a red light and an uninsured driver rear-ends you. Without UM/UIM coverage, you could be stuck paying your own medical bills and car repairs — even though you did nothing wrong. In Pennsylvania, with 7% uninsured drivers, this scenario is far too common.
Pennsylvania uses an at-fault system, meaning the at-fault driver pays for damages — but if they have no insurance, UM/UIM is your backup. While requirements vary, adding UM/UIM to your Pennsylvania policy is one of the smartest insurance decisions you can make.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $834 | $139/mo |
| Erie Insurance | $876 | $146/mo |
| Progressive | $936 | $156/mo |
| State Farm | $1,026 | $171/mo |
| Allstate | $1,248 | $208/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
Compare 5+ carriers. Free, no-obligation quote from a licensed agent.
(888) 217-6781Rates vary by city. Find rates for your area:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Free quote · No obligation · Licensed agents · Under 2 minutes