Pennsylvania
Insurance for Pennsylvania residents
Binsurance is a Pennsylvania-licensed Allstate agency based in Yardley, serving residents across Bucks, Montgomery, Philadelphia, Chester, Delaware, and Mercer counties — plus statewide by phone, email, or video.
Pennsylvania-specific things we handle
- Full vs. limited tort selection (auto)
- PA Department of Transportation reporting (no SR-22 in PA)
- Underinsured motorist stacking elections
- Sinkhole and mine-subsidence coverage where applicable
- Bundling PA auto + PA home + umbrella
Frequently asked questions
What are the minimum auto insurance requirements in Pennsylvania? +
PA requires 15/30/5 bodily-injury and property-damage liability, plus $5,000 first-party medical benefits. Most drivers should carry significantly more (we recommend 100/300/100 minimum).
Should I choose full tort or limited tort in PA? +
Limited tort cuts premium ~15–20% but limits your right to sue for pain and suffering. Full tort preserves full legal rights. The trade-off matters more after a serious accident than it appears at quote time.
Does PA require uninsured motorist coverage? +
No. PA offers it but does not require it. We strongly recommend at least matching your liability limits — roughly 13% of PA drivers are uninsured.
Ready to talk to a real local agent?
We answer the phone, in five languages.