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Affinity Insurance Partners

1000 Noble Energy Drive
Suite 280
Canonsburg, PA 15317

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Affinity Insurance Partners

1000 Noble Energy Drive
Suite 280
Canonsburg, PA 15317

Phone : 724-754-8200
Fax : 724-485-2737
Email :

States Served

  • Pennsylvania

Auto Insurance in Pennsylvania

If you are going to drive legally in Pennsylvania, you will need to have auto insurance. Without insurance, you won't even be allowed to register a vehicle. If this is your first time buying an auto insurance policy in Pennsylvania, you should understand how it works.

No-Fault State

Pennsylvania is a no-fault state for car insurance. This means that drivers are required to have insurance for their own protection. If an accident occurs, each driver's insurance would cover the cost of repairs, regardless of who caused the accident. This guarantees that you will receive medical treatment if you are injured in the accident.

Liability Coverage

Liability is the minimum coverage required by the state. This coverage will not pay for your injuries or damages to your property, but it will cover any damage caused by you.

Collision Coverage

This coverage will protect you if you cause an accident. Not only would your insurance cover the other driver, but it would also cover you and your passengers. If you are driving a car that you are still making loan payments on, or if your vehicle is leased, the lender will require that you have this maximum level of insurance.

Tort Options

In Pennsylvania, there is a tort option. If you don't want the tort option, it will save you money on your monthly premiums, but it will restrict you from filing a lawsuit against another driver. If you choose the full tort option, your premiums will be more expensive, and you will be allowed to sue another driver for any pain and suffering associated with an accident caused by them.

It's the Law

If you are caught driving without auto insurance in Pennsylvania, the penalties are very steep. They include:

  • License suspension for three months
  • Your vehicle will be impounded
  • A $300 fine
  • A $50 charge to reinstate your driver's license and registration

If you need auto insurance, our agents at Affinity Insurance Partners in Pittsburgh, PA can help. We can go over the insurance options available, allowing you to select the best policy for you. To get your policy started, give us a call or stop by today.

Partner Carriers

  • Aegis General
  • AIG
  • Allstate (Home/Auto)
  • Assurant Flood (PFA)
  • Attune
  • Bristol West (Auto only)
  • BTIS
  • Burns & Wilcox
  • Cabrillo
  • Chubb
  • CNA
  • CRC Group
  • Dairyland
  • Dovetail
  • Encompass
  • Foremost Specialty
  • Grange