Car Insurance in PA

Discover the human & helpful option for car insurance in Pennsylvania


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You could pay less for your car insurance in Pennsylvania.

Stop overpaying for your car insurance. From Pittsburgh to Philadelphia, we’re on a mission to change the way people look at auto insurance. Verti aims to make auto insurance simple, smart, and convenient. We focus on making your insurance policy personal to you- from our mobile app where you can manage your policy on the go, to your very own personal advisor to answer all your questions. At Verti, we are always exploring new, innovative ways to make auto insurance easier for you. Did someone say saving money? We offer up to 14 discounts to save you a ton of money so you could save hundreds when you switch. So drivers of the Quaker State, we can’t wait to make your auto insurance simple, smart, and personal with Verti.


What makes Verti car insurance different?

Auto insurance coverages we offer

Okay so it happened- a car accident. You know all that truly matters is that you, your passengers and any other people involved are okay. But after you’ve dusted yourself off, you realize that the beautiful car you saved all your pennies for, is damaged. That’s where we come in. With our collision coverage, fixing the damage to your vehicle as a result of an accident is covered. So you can cruise around in that shiny red sedan or silver truck without worry, we’ll make sure it stays in good shape.

When you think about vehicle damage, you think of an accident, right? Well, we thought of everything else that could potentially happen to your car. Tree branches falling on it, someone breaking into your car, someone keying your car door, deer running into the side of your vehicle while it’s parked, shall we go on? With our Comprehensive coverage, if anything other than an accident damages your vehicle, you’re covered. Theft, fire, an alien invasion, whatever. You also need to have collision coverage if you have comprehensive coverage as well. That way you’re covered no matter what.

No one wants to think about someone being injured in an accident. Yikes. However, it’s important to have auto insurance that will protect you in the event a bodily injury occurs, just in case. If you are at fault in an accident and someone is injured, whether they were the other driver, a passenger in your vehicle or a pedestrian, bodily injury coverage will cover their medical expenses, so it isn’t coming directly out of your pocket. Safe driving should always be your first priority, but if something were to happen, it’s important to be prepared with bodily injury coverage.

It’s never fun when you are found at fault in an accident. Ugh. However, with our property damage coverage, you can breathe a little easier. Property damage coverage covers any damage to other person’s physical property in the accident. It can be used if anything else that belongs to someone else is damaged in an accident, like a fence, house, garage, mailbox…you get the idea. We don’t recommend driving into anyone’s mailbox, but accidents happen and property damage coverage will protect you from having to pay to fix any damage out of pocket.

Here’s to you for having auto insurance that will protect you no matter what you run into (hopefully not literally) on the road. Good for you! Unfortunately, not everyone does. With uninsured driver insurance, if you get in an accident with a driver who doesn’t have any auto insurance to pay for your auto or medical bills, uninsured driver insurance will take care of it, so you don’t have to pay out of pocket for an accident that wasn’t your fault. Phew! Similarly, if you’re hit by a driver with insurance, but not enough to cover all your expenses, underinsured motorist insurance can take care of whatever the other driver’s insurance couldn’t.

So, you get in an accident. Everyone’s okay, and you have a great mechanic fixing your vehicle. But wait! How are you getting to work tomorrow? How will you make it to the concert tonight? No worries. With rental coverage, we’ll reimburse you for your rental car while your damaged vehicle is being repaired or replaced. Just choose the rental coverage option that’s right for you, and we’ll have you back on the road in no time. 

Car insurance discounts


Good Driver

We love safe driving, you love discounts. Our Good Driver discount helps you save when you have a clean driving history.


Good Payer

You may not be rewarded for showing up to work on time, but we’ll reward you for paying your bill on time starting on day one. We appreciate your punctuality!


Own a cottage in the mountains? A condo downtown? Wherever you prefer to live, you can save with our homeowners discount.


Advanced Shopping Credit

When your mother told you “the early bird catches the worm” well, there was some truth to that. Purchase your new policy before your old one runs out- and get a sweet discount.


Hybrid & Electric Vehicle

Good for you for going green! Enjoy a discount for being friendly to our planet with our Hybrid & Electric vehicle discount.


Paid in Full

One payment and done? Get rewarded for paying your policy in full with our paid in full discount.


Multi Vehicle

The more the merrier? We think so, especially when it comes to insuring your vehicles. Get a discount for insuring more than one car with us with our Multi-vehicle discount.


FreePass Accident Forgiveness

New customers with one at-fault accident with their previous insurer won’t get a higher auto insurance rate & if you haven’t had an at-fault accident before, you get accident forgiveness for free!*

Car Insurance can be fun…

…but car insurance to most is seen as boring and necessary. Luckily here at Verti, we don’t think auto insurance has to be dry and confusing. In our blog, we explain important things you should know about your insurance policy- in language that a regular person would understand (and that won’t put you to sleep). Like this video explaining what the heck tort is. We also think driving should be fun, that’s why we included our favorite playlists, road trip spots, tailgating tips and more non-insurance things here too. And a couple car hacks, like how to jump start your car, just in case. Be sure to visit us regularly so you never miss a helpful tip!

Complimentary Coverages

Who doesn’t love a freebie? Everybody deserves a break and that’s why we created a couple of super awesome complimentary coverages for everyone.


Repair Assist

You can’t ask Siri why your car is making weird noises, but you can ask Repair Assist. If you’re car isn’t working or sounding right, you can speak with a certified mechanic to not only diagnose the problem, but they’ll let you know roughly how much you can expect to pay to fix it. No waiting around at the auto repair shop required! Oh, and when you do get to the mechanic, if you aren’t sure about what he has to say, you can get your repair assistant on the phone to double check.


New Car Replacement

A brand new car is one of the most exciting purchases to make, especially one you’ve been obsessing over forever. No one wants to even think about damaging their shiny new purchase, not to mention totaling it. Yikes. Let us ease those anxieties with New Car Replacement. If an accident were to happen and your qualifying new car is irreparably damaged, we’ll make sure you can get into a replacement vehicle that’s just as new smelling. No downgrading, loans or worrying required!


Pennsylvania Car Insurance FAQs

Still have questions about getting the best quality car insurance coverage in PA? Here are a few of the frequently asked questions we receive below. If you don’t see your answer below, contact us and we can chat.

How do I get car insurance in Pennsylvania?


  1. Start your car insurance quote.
  2. Answer a few basic questions to customize your coverage in minutes.
  3. Get your car insurance quote.
  4. Provide payment info and purchase your car insurance policy.

I’ve never heard of Verti Car Insurance, who are you?

Verti Car Insurance is new to the Pennsylvania market, which may explain why you’ve never heard of us! Verti is a part of the MAPFRE Group, a global insurance company with over 38,000 employees in 5,500 offices and does business in more than 100 countries. MAPFRE insures over 13 million automobiles and 5 million homes and counting. MAPFRE knows many functions and services within the insurance world could be streamlined and believe in what we’re doing at Verti. Read more about us >

What is collision insurance?

Collision coverage provides you with protection to fix the damage to your vehicle because of an accident. If you’re making payments on your car, whether that is a lease or financing, your lender usually will require collision coverage. Learn more about collision coverage >

What is comprehensive insurance?

If a tree branch falls on your car, someone breaks into your car or a deer runs into the side of your vehicle, are you covered? If you have comprehensive insurance then the answer for these scenarios is likely yes. You also need to have collision coverage if you have comprehensive coverage as well. Read more about comprehensive coverage >

What is bodily injury insurance?

If you are at fault in an accident and someone is injured, whether they were the other driver, a passenger in your vehicle or a pedestrian, bodily injury coverage will cover their medical expenses.

What is tort?

Tort is a confusing option on car insurance. Basically, the tort option in your car insurance can help you to recover out-of-pocket medical and certain other expenses. You can choose to purchase two varieties of tort on your car insurance policy: full tort and limited tort. Limited tort is less expensive on your policy, but you’re not able to recover certain damages – such as payments for pain and suffering unless the injuries meet certain legal exceptions. Watch a video about tort >

What is property damage insurance?

Property damage insurance covers damage to other people’s physical property in an accident. If something belonging to someone else is damaged in an accident – like a fence, house, garage, mailbox, etc. property damage coverage will protect you from having to pay to fix any damage out of pocket. Learn more about property damage insurance coverage >

What is uninsured motorist insurance?

Uninsured drivers are drivers who do not have any form of auto insurance whatsoever. Uninsured driver coverage protects you even if the driver at fault doesn’t have insurance. Read more about uninsured motorist insurance coverage >

What is underinsured motorist insurance?

Underinsured drivers have car insurance, but they may not have adequate coverage to pay for all of your vehicles damage or medical treatment if you’re hurt in the accident. If you do not have underinsured motorist coverage, you would have to pay out of pocket for the rest of the repairs or medical bills, even if the underinsured driver was at fault in the incident. Learn more about underinsured motorist insurance coverage >

What is rental coverage insurance?

With rental car insurance coverage will reimburse you when you need a rental car while your damaged vehicle is being repaired or replaced. Read more about rental car insurance coverage >

What is accident forgiveness auto insurance coverage?

Verti’s FreePass won’t set a higher auto insurance rate for new customers with one at-fault accident with their previous insurer. If you haven’t had an at-fault accident before, you get accident forgiveness for free! You can also earn a more robust version of accident forgiveness after you’ve been a customer with Verti for a while. Read more about FreePass Accident Forgiveness >

What is repair assist coverage?

Repair Assist brings you a certified mechanic to help diagnose the problem and give you a rough estimate for how much it will be to fix that clunking noise before you ever step foot in a garage. They can even help you if you’re skeptical of what your mechanic had to say right over the phone. Best of all this service is complementary to all Verti customers. Read more about Repair Assist >

What is new car replacement coverage?

If you have a new vehicle that meets eligibility requirements and are in an accident where your new car is damaged and cannot be repaired, this coverage ensures you can get into a replacement vehicle of similar value. If the same model of your damaged vehicle is not available, your replacement car will be a similar vehicle. Read more about new car replacement coverage >

Do you offer roadside assistance coverage?

Roadside assistance coverage is available as an add-on to your car insurance policy and will help you out whether you have a dead battery or a flat tire.

What is loan-lease payoff coverage?

Loan-lease payoff coverage is an add-on coverage that will pay back the total actual value of your vehicle, plus up to an additional 25% in case you owe a bit more than the car is worth.

Do you offer rideshare coverage?

If you drive for Uber, Lyft or some other rideshare service, did you know that time between when you’re on the clock heading to pick up a customer and you’re available but have not yet accepted a trip, you’re not actually covered for comprehensive and collision by either your personal or rideshare policy? Rideshare add-on coverage protects you during this time. Read more about our rideshare coverage >

Do you have a car insurance referral program?

We do offer a referral program where both you and the person who receives the quote can earn rewards. We built a new way for you to earn rewards and we made it super simple. Read more about our referral program >

Refer your friends and
earn rewards!

The more you share, the more you can earn. With our referral program if your friend gets a quote, you could BOTH get rewarded!