Lebanon drivers pay an average monthly premium of $120 for full coverage, lower than the Pennsylvania average of $130 and lower than the national average of $140. For the state-required minimum liability, Lebanon drivers fork out an average of $41 per month, which is less than the national average of $47.
Pennsylvania is a no-fault state so the minimum required amount includes liability, plus personal injury protection (PIP).
What Does a No-Fault State Mean?
It means that if you get into a wreck in the state of Pennsylvania, your own liability insurance will be used to handle your damages and repairs. In an at-fault state, a driver’s liability is used to pay for any damages they cause to other drivers and passengers in a crash.
States that use a no-fault system believe drivers are more financially protected if their own insurance covers their damages. Since litigation costs usually absorbed by insurance companies are reduced, it’s thought they will pass those savings to their customers.
Another potential benefit to a no-fault state is drivers do not have to wait for their insurance to kick in while lawsuits and other legal action makes their way through the courts, as can happen in an at-fault state if it isn’t clear who was at fault.
No-fault states sometimes burden their driving public with requirements for uninsured motorist coverage plus PIP. Pennsylvania only requires a $5,000 PIP, so motorists do enjoy relatively cheap insurance in PA.