Metromile>Pay per mile car insurance>Pennsylvania

Save up to $947/year with Pennsylvania pay-per-mile car insurance

  • Car insurance based on your driving habits
  • The less you drive, the more you could save
  • Same great coverage—for less money

Pay-per-mile car insurance in Pennsylvania

No matter where you’re driving in the Keystone State, the legal rules are the same: Whether you’re road tripping to the Delaware Water Gap or commuting a few miles to your job in Philadelphia or Pittsburgh, you need auto insurance to drive on Pennsylvania roads. 

That’s a good thing, too! Auto insurance protects you (and everyone else on the road). When you drive with a state-approved auto insurance policy, you’ll have the peace of mind that comes from knowing you’re unlikely to get stuck with a huge liability bill after an accident. 

Besides, if you’re a low mileage driver in Pennsylvania (that is, you drive fewer than 10,000 miles per year) we’ve got some excellent news:
You may be able to save significantly on your auto insurance when you choose pay-per-mile car insurance through Metromile.

Here’s how pay-per-mile auto insurance works: First, you’ll start with a consistent monthly rate that can be as little as $29/month. Then, you’ll simply pay as low as 6 cents per mile for each mile you drive in a month. On the months you don’t drive as much, you’ll have a smaller auto insurance bill. With Metromile, the less you drive, the more you save. 

Pay-per-mile auto insurance coverage from Metromile is a great choice for drivers who often work from home or use public transportation. Retirees love us, too! In fact, our customers have saved up to $947* per year.

Coverage type and Pennsylvania minimum requirements

Coverage

Bodily Injury Liability covers the other party’s injuries after you cause an accident.
Property Damage Liability covers other people’s property damage bill after you cause an accident.
UMBI helps pay for injuries caused by a driver who does not have auto insurance.
Underinsured Motorist covers injuries in your vehicle when the at-fault driver doesn’t have enough coverage.
Medical Payments helps cover the medical expenses of you and your passengers after an accident.
Collision covers your vehicle after an accident—regardless of fault.
Comprehensive coverage helps repair or replace your car after a covered loss.
Rental coverage can pay for your rental car expense after a covered loss.
Roadside assistance pays to send help if your vehicle breaks down.

Pennsylvania minimum requirements

$15,000 limit per person/$30,000 limit per accident
$5,000 limit
Not required
Not required
$5,000 limit
No legal requirement, though most lenders require it for financed cars.
No legal requirement, though most lenders require it for financed cars.
Not required
Not required

What Pennsylvania customers say

“The customer service is amazing—very kind, efficient, knowledgeable. This is it as far as looking for another insurance company. I couldn’t be happier.“

–Wendy W.
Yardley, Pennsylvania

“I don’t drive a lot, so this is a perfect fit for me. The price is great. I have been pretty impressed for years now.“

–Brittany S.
Carlisle, Pennsylvania

“I cut my insurance bill in half by switching to pay per mile, plus regular coverage with Metromile.”

–Susan G.
Philadelphia, Pennsylvania

“Service has been excellent (fast and friendly when somebody rear-ended me), and the savings are truly phenomenal.“

–Christian L.
Philadelphia, Pennsylvania

“I’ve saved quite substantially over what I was paying my traditional insurance provider.”

–David F.
Honesdale, Pennsylvania

“I saved $67/mo going with Metromile.”

–Robert W.
Lancaster, Pennsylvania

How much is pay-per-mile insurance in Pennsylvania

What you pay for car insurance depends on lots of factors, such as the make and model of your vehicle, the coverages you choose, and where you park your car at night. Your annual mileage is a significant factor, too, which is why Metromile’s pay-per-mile coverage can be very affordable for people who drive fewer than 10,000 miles per year.

For example, a Metromile policy starts at as low as a $29/month base rate (plus a per-mile rate of as little as 6 cents per mile).

That’s why Metromile has a lot of happy low-mileage customers. (Our customers can save up to $947* per year on their car insurance policies!)

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Why get car insurance from Metromile?

Here’s why drivers love Metromile

• You could save up to 47%* with pay-per-mile car insurance coverage

• Clear communication and an easy-to-use app

•Get a quote in 2 minutes!

Car Insurance Pennsylvania FAQ

For more information, please visit the Help Center.

See all of our FAQs

Is Pennsylvania a no-fault car insurance state?

No, Pennsylvania is an “at-fault” car insurance state. The State of Pennsylvania considers the at-fault party to be legally responsible for any damages they cause in an accident.

Do you need car insurance in Pennsylvania?

Yes! Every driver in Pennsylvania must have a current auto insurance policy in order to legally operate a vehicle on Pennsylvania roads.

What are the state minimum requirements in Pennsylvania?

According to Pennsylvania car insurance laws, every Keystone State driver must have a current auto insurance policy that meets the following minimum requirements:

  • A $15,000 limit for bodily injury to one person (and $30,000 limit per accident)
  • A $5,000 limit for property damage

Pennsylvania also requires you to purchase at least $5,000 of Medical Benefits coverage.

What coverage options do you offer?

Even though you can pay less with pay-per-mile insurance, you’ll still have the same great coverage that you’re used to. We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.

Can I still get the same coverage options?

Yes! You’ll still have the same amazing coverage that you are used to, with various deductibles and optional comp & collision coverage.

Do you offer full coverage?

We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.