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West Chester Car Insurance Resources

West Chester, PA Car Insurance

Cars Insured in West Chester

^ There are an estimated 12,498 vehicles currently insured in West Chester. [1]

Car Insurance Rates in West Chester

^ From 2006 to 2010, Pennsylvania cities had the 18th highest auto insurance rates in the nation. [2]

Uninsured Motorists in West Chester

^ There are an estimated 844 uninsured motorists driving in West Chester. [3]

PA Car Insurance

West Chester Car Insurance

Car Insurance Liability Requirements in West Chester

  • Minimum Liability Limits in West Chester: 15/30/5 [4]
    • 15  Required coverage up to $15,000 for one individual injured in an accident
    • 30  Required coverage up to $30,000 for all persons injured in an accident
    • 5  Required coverage up to $5,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in West Chester

Required Car Insurance Coverage in West Chester
  • West Chester Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in West Chester

  • Insurer Verification of Auto Insurance in West Chester [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

West Chester Car Insurance Facts, Estimates & Related Laws

West Chester Car Insurance Stats

West Chester Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in West Chester
    • Based on historical and current data, 12,498 cars are currently insured in West Chester. [5]
    • Pennsylvania cities collectively ranked 5th in the nation in auto insurance policies in 2011 with a total of 8,599,108. [1]
  • Uninsured Motorist Rate in West Chester
    • Based on historical and current data, West Chester has an estimated 844 uninsured drivers. [6]
    • Pennsylvania cities collectively had the 48th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in West Chester
    • Pennsylvania cities collectively had the 17th highest auto insurance rates in the nation in 2010. [2]

West Chester Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.


West Chester Automotive Laws

  • Minimum Driving Age in West Chester [9]
    • West Chester, PA minimum driving age: 16 years.
  • Driver's License Renewal Cycle in West Chester
    • Renewal cycle: 4 years [7]
  • Motorcycle Helmet Laws in West Chester
    • Motorcycle helmets required for 20 and younger. [7]
    • Pennsylvania\'s motorcycle helmet use law covers all operators during the first two years of licensure unless the operator has completed the safety course approved by PennDOT or the Motorcycle Safety Foundation. [7]
  • Safety Belt Laws in West Chester
    • Safety belt laws have been in place since 1987 and apply to drivers/passengers 8 through 17 years in all seats; 18+ years in front seat. [7]
    • Child restraint law in place for 7 years and younger. [7]

Pennsylvania Car & Driver Facts

Pennsylvania Auto Registrations

Pennsylvania Car & Driver Facts
  • Auto Registrations in PA [8]
    • Registered Cars: 5,484,519
    • Registered Trucks: 4,388,029
    • Registered Motorcycles: 404,896
    • Total Registrations: 10,302,980
    • Rank: Pennsylvania ranked 6th in the United States in total auto registrations in 2011.

Pennsylvania Automotive Facts

  • Speed Limits in PA
    • Rural interstates: 65 mph [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Pennsylvania Motor Fuel Consumption
    • Pennsylvania cities collectively ranked 5th in the nation in total motor fuel consumption in 2011. [10]

Pennsylvania Licensed Drivers

  • Licensed Drivers in PA [11]
    • Female Drivers: 4,429,168
    • Male Drivers: 4,367,606
    • Total Drivers: 8,796,774
    • Rank: 5th highest in the U.S.

Additional information about West Chester, PA

About West Chester

West Chester (Pennsylvania) is a borough with a population of 18,461 [12] that is located in Chester County.

PA Car Insurance

More about West Chester auto insurance

For more information about West Chester car insurance, or for additional resources regarding Pennsylvania car insurance overall, visit the Pennsylvania Department of Insurance.

Did you know?

Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

Additional Cities in PA