Auto
Auto insurance in PA, NJ & DE
Auto insurance from Binsurance is a tri-state Allstate policy tuned for drivers who live, work, or commute across Pennsylvania, New Jersey, and Delaware. We handle SR-22 filings, full vs. limited tort selection in PA, NJ no-fault, and Delaware PIP — all from a single local agency in Yardley.
What's included in a standard Allstate auto policy
- Liability coverage for bodily injury and property damage you cause
- Collision for damage to your car in an accident
- Comprehensive for theft, vandalism, weather, deer, falling trees
- Uninsured / underinsured motorist coverage
- Medical payments / PIP — required minimum varies by state
- Rental reimbursement and roadside assistance (optional)
How PA, NJ, and DE differ
The three states we cover have very different auto rules. Quick comparison:
| Topic | PA | NJ | DE |
|---|---|---|---|
| Minimum BI | 15/30 | 25/50 (Standard) / 15/30 (Basic) | 25/50 |
| PIP / Med-pay required? | Yes ($5K min) | Yes ($15K min) | Yes ($15K min) |
| Tort system | Choice (full vs limited) | Choice (limited default) | At-fault |
| Uninsured motorist | Offered, not required | Required if Standard policy | Required |
| SR-22 used? | No | Yes | Yes |
Common auto-insurance situations we handle weekly
- PA resident commuting to a NJ job — correct garaging address, NJ-compliant minimums
- NJ family with a college student in PA — adding the student, dorm-stored vehicle
- Tri-state contractors with vehicles registered in different states
- New U.S. drivers without prior insurance history — international license conversion
- Adding a teen driver in any of the three states
- SR-22 filings for NJ + DE after a DUI or lapse
- Switching from a non-bundled policy to bundled auto + home (typical savings 15–25%)
Frequently asked questions
What's the minimum auto insurance required in Pennsylvania? +
PA requires liability of $15,000 per person / $30,000 per accident bodily injury, $5,000 property damage, and $5,000 first-party medical benefits. Most drivers carry significantly more — we recommend at least 100/300/100 for any household with assets to protect.
Should I pick full tort or limited tort in PA? +
Limited tort lowers your premium by roughly 15–20% but limits your right to sue for pain and suffering in most accidents. If saving the premium matters more than preserving full legal rights, limited tort fits. If you'd want full legal recourse after a serious accident, choose full tort. We walk every PA client through this decision before binding.
Do I need SR-22 insurance in PA, NJ, or DE? +
SR-22 is a financial responsibility filing required after certain serious violations (DUI, driving uninsured, repeat offenses). Pennsylvania does NOT use SR-22 — it uses an internal Department of Transportation reporting system. New Jersey and Delaware do. We file all three on your behalf.
What discounts can I bundle? +
Multi-policy (auto + home/renters), multi-car, safe driver, anti-theft device, paperless billing, paid-in-full, and good student. Bundling auto + home is the single largest available discount, often 15–25%.
Can I insure a PA car driven mostly in NJ? +
Yes — but garaging location matters more than registration. If the car sleeps in NJ five nights a week, NJ is the correct rate state regardless of plates. We file accurate garaging info to avoid claim denials.
Get an auto quote — bilingual if you'd prefer
We'll match or beat your current premium where we honestly can, and tell you when we can't.