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.
Keep reading.
Auto
Limited tort in Pennsylvania: the checkbox that costs drivers most
Limited tort saves PA drivers about 15% — and quietly signs away the right to sue for pain and suffering. Here's when that trade actually backfires.
June 9, 2026
Tri-state
One Agent, Three States: Insuring PA, NJ, and DE in One Household
How a single Yardley-based Allstate agency licensed in PA, NJ, and DE handles your home, cars, and rental across state lines without the runaround.
July 3, 2026
Auto
Why do PA auto rates keep going up with a clean record?
Your driving is fine, so why did your Pennsylvania premium jump again? The real reasons rates rise on clean records — and what actually lowers them.
June 22, 2026
Ready to talk to a real local agent?
We answer the phone, in three languages.