Cheapest Car Insurance Coverage In Pennsylvania
Coverage level has a major impact on rates. Many quotes from providers include estimates for minimum liability and full coverage car insurance. While only minimum liability coverage is required by state law, its a good idea for drivers to consider full coverage auto insurance. Below are the cheapest auto insurance options in Pennsylvania for both coverage types.
Cheapest Full Coverage Car Insurance in Pennsylvania
Drivers in the Keystone State typically enjoy lower-than-average auto insurance premiums. We found full coverage car insurance in Pennsylvania for as little as $1,107 per year, or $92 per month. This is roughly 36% cheaper than the national average of $1,730 per year for full coverage insurance.
The table below shows the providers that generally offer the cheapest rates in the state for full coverage policies.
|Cheapest Car Insurance in Pennsylvania
|Estimated Monthly Cost
*These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.
Cheapest Liability Car Insurance in Pennsylvania
Minimum coverage rates in Pennsylvania average $463 per year or $39 per month for that same driving profile, making it 27% cheaper than the national average of $635. The table below shows the cheapest providers that offer minimum coverage in the Keystone State.
|Cheapest Car Insurance in Pennsylvania
|Estimated Monthly Cost
Affordable Pennsylvania Car Insurance Rates
Drivers in Pennsylvania have several options to choose from when looking for affordable and reliable car insurance companies.
|Cheapest Car Insurance in Pennsylvania – Key Takeaways
|The cheapest Pennsylvania car insurance options are:Cheapest for minimum coverage: Erie InsuranceCheapest for full coverage: ErieCheapest after an at-fault accident: State FarmCheapest after a speeding ticket: ErieCheapest after a DUI: State FarmCheapest for poor credit history: NationwideCheapest for young drivers: ErieFor younger drivers with a speeding violation: ErieFor younger drivers with an at-fault accident: Erie
This excellent Pennsylvania auto insurance guide will help you find the best car insurance premiums and save money for drivers in various categories and age groups.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Coverage.com, LLC is a licensed insurance producer . Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Recommended Reading: Cheap Car Insurance For Young Drivers
Cheapest Auto Insurance In Pennsylvania For Bad Credit
If a driver has bad credit, they may see an increase in their auto insurance rates. Insurance companies see drivers with bad credit scores as more likely to miss payments, making them a higher risk to insure.
Missed payments can also cause a drivers insurance to get canceled by the company. Since driving without insurance is illegal, drivers will also face higher insurance rates when they sign up for a new policy, multiple fines, and possible loss of driving privileges.
However, it can be difficult to improve a credit score when a drivers car insurance company charges higher rates. Below, you can see the cheapest companies in Pennsylvania for drivers with bad credit scores.
Average Annual Auto Insurance Rates by Credit Rating
Nationwide has some of the best car insurance rates for drivers with a bad credit score in Pennsylvania. More expensive companies are Progressive or Liberty Mutual. Avoiding companies that charge more for bad credit scores will help drivers get their scores back on track.
What About Optional Car Insurance Coverage In Pa
Doing the bare minimum might have been ok in High School or as a kid, but adulthood is much less fun. Turns out, doing the minimum isnât always the best option.
Below we take a look at optional types of auto insurance coverage in PA. It isnât as âcheapâ as the minimum required by law, or a liability-only policy, but they can still end up saving you big in certain situations.
Can I get by without first-party insurance in Pennsylvania?
The state of Pennsylvania mandates that drivers have First Party Benefits coverage, which includes a wide range of medical services in the event of an accident. Your insurance has to include at least $5,000 worth of coverage for this possibility.
How do Pennsylvanias Tort coverages work?
In Pennsylvania, drivers may choose between Full Tort and Limited Tort coverage for their auto insurance. If youre hurt in a car crash and sue the other driver, you wont be able to collect damages for emotional distress under a limited tort system.
We understand that car insurance can be complicated, and weâre here to help. Our team of insurance experts is available to answer your questions and help you find the best policy for your needs. Weâll work with you to make sure you have the coverage you need at a price that fits your budget.
If youâre looking for car insurance in Pennsylvania, we can help. Contact us today to get started.
Read Also: Cheap Teeth Cleaning Without Insurance
Cheapest Car Insurance Quotes In Pennsylvania: State Farm
State Farm has the cheapest quotes in Pennsylvania for minimum liability car insurance $336 per year, which is 32% below the state average.
The average cost of minimum liability car insurance in Pennsylvania is $497 per year, or $41 per month.
Find Cheap Auto Insurance Quotes in Pennsylvania
USAA is only available to current and former military members and their families.
Minimum liability auto insurance is the lowest level of coverage drivers can purchase, making it the least expensive form of insurance. A minimum liability policy in Pennsylvania covers injuries to the other driver and damage to their property, along with a small amount of coverage for your own injuries.
If you have a minimum-coverage policy and are in an at-fault accident where damages or injuries exceed your limits, you’ll be required to pay for excess damages yourself. In addition, minimum liability insurance doesn’t cover damage to your own vehicle.
That’s why we recommend full-coverage insurance to most drivers.
Pennsylvania Teen Driving Laws
PA teen driving laws allow teens to apply for a learner’s permit at age 16, and receive a restricted driver’s license after six months of driving. Within that time, the teen must have at least 65 hours of supervised driving time, including 10 hours at night, and 5 hours of driving in inclement weather. The restricted license in PA also allows no more than one passenger under age 18 in the car for the first six months, and no more than three passengers afterwards. The driver also cannot operate a vehicle between 11 pm and 5 am. At age 17, all restrictions are lifted.
You May Like: How Much Is An Urgent Care Visit Without Insurance
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.coms data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only your own quotes will differ. Given this, its important to go through our insurance steps form to find how much you can save with way.com
Gender Not Allowed In Pennsylvania Auto Insurance Rates
Auto insurance companies use many factors to calculate rates for each customer. Since rates can vary significantly among insurers, its good to shop around to find out what a good deal looks like. Your driving record, vehicle model, past claims and more are used. In Pennsylvania, companies can also use these factors.
Recommended Reading: Protective Life And Annuity Insurance Company
Cheapest Minimum Coverage Car Insurance In Pennsylvania For 20
Drivers in Pennsylvania who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
Geico: $473 per year, or about $39 per month.
Erie: $604 per year, or about $50 per month.
State Farm: $676 per year, or about $56 per month.
Donegal: $701 per year, or about $58 per month.
Auto-Owners: $734 per year, or about $61 per month.
Some Of The Cheapest Car Insurance Providers In Pennsylvania Are Progressive State Auto And Liberty Mutual
Why you can trust Insurify
Compare Car Insurance Quotes Instantly
Why you can trust Insurify
Some of the cheapest car insurance providers in Pennsylvania are Progressive, State Auto, and Liberty Mutual.
You May Like: Car Insurance For New Drivers Over 21
The Bottom Line On Cheap Car Insurance In Pennsylvania
Based on our research, if you are a good driver, then Nationwide is the cheapest in Pennsylvania for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Pennsylvania is to know and understand the coverage you need, compare quotes, apply for discounts, and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Philadelphia Car Insurance Minimums
Under Pennsylvanias financial responsibility laws, Philadelphia motorists are required to carry 15/30/5 car insurance. This means policies must include at least the following coverages and limits:
- Bodily injury liability: $15,000 per person/$30,000 per accident. Covers medical treatment for others injured in an accident you cause.
- Property damage liability: $5,000. Covers damage to other peoples vehicles or property in an accident you cause.
Pennsylvania drivers also need to have at least $5,000 of medical payments coverage. This covers medical treatment for injuries you and/or your passengers suffer in a car accident.
Although collision coverage and comprehensive coverage are not required by state law, they are usually required for a car loan or lease.
- Collision covers damage to your own vehicle, generally after an accident you cause or a hit-and-run.
- Comprehensive covers theft of the vehicle and damage from any cause other than a collision, such as fire, flood, vandalism, falling objects and many types of glass breakage.
If your share of costs from a car accident, including your own medical bills, exceed the amounts available from insurance, the shortfall comes out of your own pocket. This is why its important to consider coverages and limits that exceed the states minimum requirements.
Uninsured motorist and underinsured motorist insurance are among the other important optional coverages available in Pennsylvania.
Also Check: Bristol West Insurance Log In
Why Is Cheap Car Insurance Often Expensive In Pennslyvania
Cheapest Car Insurance Companies In Pennsylvania
To determine the best companies for car insurance in Pennsylvania, we considered regional customer satisfaction scores and average rates in the state. Each provider also scored well in our national insurance industry review, which considers each insurers reputation, availability, coverage, cost and overall customer experience.
|Top Pennsylvania Car Insurance Companies
*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Pennsylvania.
Because car insurance companies have different calculation methods for premiums, no two quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Pennsylvania.
Recommended Reading: Does Pet Insurance Cover Neutering
Cheapest Pennsylvania Car Insurance For Drivers With A Dui
According to the Centers for Disease Control and Prevention , one in three U.S. traffic deaths involves a drunk driver. Between 2009 and 2018, 3,687 people in Pennsylvania were killed as a result of alcohol-related crashes. Also, in a survey conducted by the CDC, 1.8% of adults in Pennsylvania admitted to driving after drinking too much.
You might wonder how you can obtain the cheapest car insurance in Pennsylvania if you don’t have a spotless record, such as a citation for driving under the influence . It’s important to note that if you drive under the influence, you not only carry a severe risk for your life but for others on the road. Because of this increased risk, some companies might hesitate to take you on as a customer.
The legal ramifications of getting a DUI in Pennsylvania depend upon the driver’s blood alcohol content . Keep in mind that it is illegal to drive if you have a BAC of .08 percent or higher.
If you are found to have a BAC of .08 percent or higher and are a first-time offender, you can face six months of probation as well as pay a $300 fine. However, you are allowed to keep your driver’s license. If you’re found to have a BAC higher than .10 percent, you can receive a more severe punishment. You might have to serve jail time and experience a suspended license.
If you’ve gotten a DUI in Pennsylvania, take a look at the following estimated annual price for car insurance from five companies:
- Esurance: $2,501.
Cheapest Car Insurance In Pennsylvania: Everything You Need To Know
When you’re searching for the cheapest car insurance in Pennsylvania, you might feel overwhelmed with all the options, especially since there are so many companies available. The entire car insurance shopping experience doesn’t need to be daunting.
When you’re searching for the cheapest car insurance in PA, you might feel overwhelmed with all the options, especially since there are so many companies available. The entire car insurance shopping experience doesn’t need to be daunting as long as you do plenty of research and practice safe driving habits.
Read Also: Voya Accident Insurance Payout Amounts
Best Cheap Pennsylvania Car Insurance
Shopping for Pennsylvania car insurance can be difficult if you dont know where to start. With so many providers vying for your business, it can be hard to differentiate between different car insurance coverages and perks. To help you find great, affordable car insurance in Pennsylvania, weve researched the best auto insurance providers and compiled our research into this guide.
Well explain average Pennsylvania auto insurance costs in-depth, discuss the car insurance requirements for the state, and recommend our top choices for the Keystone State. Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates.
Pennsylvania Car Insurance Faq
Will my credit score be used to obtain car insurance in Pennsylvania?
Yes and, unfortunately, car insurance companies in your state do not have to reveal to you how they are going about setting your rate. Here are a few life events and other things you can do to keep your rate down.
Is there a good-driver discount in Pennsylvania?
It is always best to ask your selected car insurance company about good-driver and other discounts to obtain cheap auto insurance in Pennsylvania! Possible discounts include:
Can I use my digital insurance card in Pennsylvania?
Yes! Getting pulled over in Pennsylvania is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!
What is uninsured motorist coverage and is it required in Pennsylvania?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs. It is an optional coverage in Pennsylvania!
What happens if I don’t have insurance or my coverage lapses?
Since liability insurance is a minimum requirement in your state , there are penalties for being caught driving without it. The fines are as high as $300 and you risk registration suspension, license suspension, and an impounded car. Don’t take the chance!
- .04%+ for commercial vehicle drivers
Read Also: Minimum Insurance Requirement In California
Why Is Car Insurance So Expensive In Philadelphia
Increases in car accidents and the costs of repairing cars are among the factors blamed for rising car insurance prices across Pennsylvania and the nation. Car insurance rates also tend to be higher in concentrated cities such as Philadelphia, where the risks of accidents and theft are generally higher than in rural areas.
Car Insurance Rates For Drivers With Driving Violations In Pennsylvania
Past accidents or violations can affect your insurance rates. Insurance companies will analyze your Motor Vehicle Report when determining your insurance rates. This report will include everything from accidents, DUIs, failure to stop at a red light, and passing illegally.
Any violations can affect your future insurance rates negatively. As a general rule of thumb though, insurance companies look at issues on your MVR from the past five years. How long a violation stays on your report and how exactly it affects your rates varies between states.
Recommended Reading: Life Insurance For Disabled Adults