Cheap Car Insurance in Pennsylvania – Get a Free Quote

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Cheap Car Insurance in Pennsylvania: Car insurance is essential for financial and legal protection while driving.

In Pennsylvania, finding affordable car insurance can significantly reduce expenses while ensuring compliance with state laws.

This guide will help you navigate the options for securing budget-friendly coverage in Pennsylvania.

Understanding Car Insurance Requirements in Pennsylvania

Navigating the car insurance landscape in Pennsylvania is crucial for both legal compliance and financial protection. Understanding the state’s minimum insurance requirements helps ensure that drivers adhere to legal standards and are adequately covered in case of accidents.

Pennsylvania’s Minimum Insurance Requirements

Pennsylvania law mandates that all drivers carry at least the following levels of car insurance coverage:

  • Bodily Injury Liability: This covers injuries that you, as the policyholder, may cause to someone else. Pennsylvania requires a minimum of $15,000 per person and $30,000 per accident.
  • Property Damage Liability: This coverage pays for damage you may cause to another person’s property. The minimum required amount is $5,000.
  • Personal Injury Protection (PIP): This coverage pays for medical expenses for injuries to you or your passengers, regardless of who is at fault in an accident. The minimum required amount is $5,000.
Types of Coverage Required

In addition to the basic liability coverages, Pennsylvania drivers must consider other types of insurance:

  • Limited or Full Tort: You can choose between limited and full tort options. Full tort allows you to retain unrestricted rights to bring a lawsuit against the negligent party, while limited tort, less expensive than full tort, restricts some of those rights.
  • Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage: These coverages are optional in Pennsylvania but highly recommended. They provide protection if you’re involved in an accident with a driver who either lacks insurance or does not have sufficient insurance to cover the damages.
Importance of Meeting State Requirements

Meeting Pennsylvania’s car insurance requirements is not only a legal obligation but also a critical step in protecting yourself financially. Adequate coverage ensures that:

  • Legal Compliance: Adhering to state insurance laws helps you avoid penalties such as fines, license suspension, or even vehicle impoundment.
  • Financial Protection: Proper insurance coverage protects you from potentially devastating out-of-pocket expenses in the event of an accident, especially if it involves litigation.

However, always consult with a licensed insurance professional to tailor your policy to your specific needs and ensure comprehensive protection on the road.

Factors Affecting Car Insurance Rates in Pennsylvania

When shopping for car insurance in Pennsylvania, it’s crucial to understand the variety of factors that can influence your insurance premiums. Here’s a breakdown of the key elements that determine how much you pay for car insurance in the Keystone State.

Common Factors Influencing Insurance Premiums
  1. Driving Record: Your past driving history plays a significant role. Incidents like accidents, speeding tickets, and DUIs can increase your rates.
  2. Age of Driver: Generally, younger drivers (especially those under 25) and very elderly drivers face higher premiums due to higher risk assessments by insurers.
  3. Type of Vehicle: The make, model, and age of your vehicle affect your rates. High-performance vehicles or cars that are more expensive to repair typically incur higher insurance costs.
  4. Annual Mileage: The more you drive, the more likely you are to be involved in an accident. Higher annual mileage can lead to higher premiums.
Impact of Location within Pennsylvania
  • Urban vs. Rural Areas: Residents in urban areas like Philadelphia or Pittsburgh tend to pay more for car insurance compared to those in rural areas due to higher rates of theft, accidents, and vandalism.
  • ZIP Code-Specific Risk Factors: Each ZIP code has different risk levels based on crime rates, road conditions, and local weather patterns, all of which can influence insurance rates significantly.
Other Influential Factors
  • Credit Score: Many insurers use your credit score as an indicator of your likelihood to file claims. A lower credit score can lead to higher premiums.
  • Marital Status: Married individuals often receive lower rates as they are statistically less likely to file claims compared to single drivers.
  • Driving Experience: More experienced drivers generally face lower premiums as they are considered less risky.
  • Gender: Although increasingly scrutinized and regulated, gender can still play a role in determining rates in some cases, with males typically paying slightly more than females, especially at younger ages.

However, understanding these factors can help you better navigate the complexities of securing affordable car insurance in Pennsylvania and possibly reduce your costs by making informed decisions about coverage and driving behaviors.

Tips for Finding Cheap Car Insurance in Pennsylvania

Finding affordable car insurance in Pennsylvania doesn’t have to be a daunting task. By utilizing a few strategic approaches, you can significantly lower your premiums and enjoy substantial coverage. Here’s how to secure the best rates:

1. Comparison Shopping: The Key to Finding the Best Rates

Start your quest for cheap car insurance by comparison shopping. Utilize online tools and websites that allow you to compare rates from various insurers side by side. This will give you a clear view of the competitive landscape and help you pinpoint the companies offering the best deals for the coverage you need. Don’t forget to check customer reviews and ratings to ensure you’re choosing a reputable provider.

2. Benefits of Bundling Insurance Policies

Consider bundling your car insurance with other policies, such as homeowners or renters insurance. Many insurance companies offer discounts when you purchase multiple policies from them. This not only simplifies your insurance management but can also lead to substantial savings. Bundling can also strengthen your relationship with the insurer, potentially making it easier to negotiate further discounts or benefits.

3. How Increasing Deductibles Can Lower Premiums

Opting for a higher deductible is a straightforward way to reduce your monthly or annual insurance premiums. A deductible is the amount you pay out of pocket before your insurance kicks in after an accident. By agreeing to pay more upfront, you lower the financial risk for the insurer, which in turn can result in lower premiums for you. Ensure the deductible is something you can afford in case of an accident.

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4. The Impact of a Clean Driving Record and Defensive Driving Courses

Maintaining a clean driving record is crucial for keeping your insurance costs down. Avoiding accidents and traffic violations shows insurers that you are a low-risk driver, which can lead to lower rates. Furthermore, many insurance companies offer discounts for drivers who complete accredited defensive driving courses. These courses not only improve your driving skills but also demonstrate your commitment to safe driving, making you eligible for additional discounts.

By implementing these strategies, you can find affordable car insurance in Pennsylvania that provides the coverage you need without breaking the bank. Always stay informed and proactive in managing your car insurance policies to enjoy the best rates possible.

Cheap full coverage in Pennsylvania

The average cost of car insurance in Pennsylvania is $1135 for a six-month policy. Our research shows that Travelers offers the cheapest rates for full-coverage auto insurance, with an average monthly cost of only $68. Full coverage typically includes comprehensive, collision, and liability coverage.

Below are the average rates from top companies in Pennsylvania, including Travelers. As you look at these costs, remember that your individual rates will likely differ. Rating factors such as age, specific ZIP code, driving history, and more are considered when an insurance company evaluates your profile.

Full coverage quotes in PA
CompanyAvg. 6 Mo. PremiumAvg. Monthly Premium
Travelers$410$68
Nationwide$607$101
Erie$664$111
State Farm$749$125
GEICO$871$145
USAA$1,029$171
Progressive$1,049$175
Allstate$1,157$193

Best car insurance in Pennsylvania — honorable mentions

While Erie may have taken the top spot on our list, there are several other quality car insurance options if you’re a driver in Pennsylvania. All the companies listed below have received positive customer reviews from both J.D. Power and through our Zebra Customer Satisfaction Survey. Remember that USAA is only available to military members and their immediate family. 

Best car insurance companies in Pennsylvania
CompanyAvg. 6 Mo. PremiumAvg. Monthly Premium
Travelers$410$68
Nationwide$607$101
State Farm$749$125
USAA$1,029$171

Cheap Liability Insurance in Pennsylvania

The state average cost for liability-only is $301 for a six-month policy. According to our research, the cheapest company for minimum coverage is Travelers, with an average six-month rate of $163. 

To drive legally in the state of Pennsylvania, you must carry at least the minimum liability limits, which are as follows: $15000 in bodily injury per person, $30,000 in bodily injury per accident, and $5,000 in property damage per accident. PA also requires personal injury protection (PIP) at $5,000 per accident. The state additionally requires you to choose a tort option: a limited tort restricts your ability to sue another driver except for extreme circumstances, and a full tort allows a policyholder to sue for any post-accident pain and suffering (this usually costs more). About 31% of our customers opt for the state minimum in Pennsylvania.

Pennsylvania is also a no-fault state, meaning all drivers must use their own insurance to cover their own costs if an accident occurs, regardless of who is at fault. Learn more about car insurance requirements in Pennsylvania with our helpful guide.

Cheapest liability coverage in PA
CompanyAvg. 6 Mo. PremiumAvg. Monthly Premium
Travelers$163$27
Erie$230$38
GEICO$264$44
USAA$290$48
Progressive$296$49
State Farm$300$50
Nationwide$311$52
Allstate$490$82

How have car insurance costs in Pennsylvania changed?

In Pennsylvania, the average price of annual auto insurance coverage increased by $277 over the past year. A typical Pennsylvania driver pays an average of $1,894 per year.

Since 2015, car insurance rates have generally been upward, with a few fluctuations in particular years. Between 2019 and 2021, rates dropped, but 2022 saw costs skyrocket by over $500.

Car insurance costs in Pennsylvania since 2014
YearAvg. Annual Premium — PennsylvaniaYearly Change — Pennsylvania
2024$1,894$277
2023$1,617$160
2022$1,777$511
2021$1,266-$72
2020$1,338-$140
2019$1,478-$2
2018$1,480$88
2017$1,392$209
2016$1,183$88
2015$1,095$34

Car insurance in popular Pennsylvania cities

Car insurance companies use many different factors to determine your rate, including where your vehicle is located. For example, the cheapest car insurance rates in Pennsylvania cities are in Erie, while the most expensive is in Philadelphia.

Check out the table below for the average car insurance costs in some of Pennsylvania’s biggest cities.

Auto insurance quotes in Pennsylvania’s biggest cities
CityAvg. 6 Mo. PremiumAvg. Monthly Premium
Erie$946$158
Scranton$985$164
Allentown$997$166
Pittsburgh$1,000$167
Philadelphia$1,768$295

Pennsylvania auto insurance quotes after an accident or ticket

When you’re involved in a car accident, it can significantly impact your car insurance liability in several ways. A recent at-fault accident in Pennsylvania can raise your rate by anywhere from $200 to $1,200 annually, depending on the damage caused.

Best insurance companies in PA after an accident
CompanyAvg. 6 Mo. PremiumAvg. Monthly Premium
Travelers$644$107
Erie$1,109$185
Nationwide$1,361$227
GEICO$1,400$233
State Farm$1,548$258
Allstate$1,687$281
USAA$1,726$288
Progressive$2,135$356

In addition to having a cheaper premium if you are a safe driver, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5% and 10%.

See below for average auto insurance rates after common citations in Pennsylvania.

Pennsylvania auto insurance quotes by violation
Accident/ViolationAvg. Annual Premium$ Rate Increase
None$2,271$0
One Med/PIP claim$2,271$0
Two Med/PIP claims$2,350$80
Not-at-fault accident$2,422$151
One comp claim$2,449$178
At-fault accident – $1000-$2000$2,507$236
At-fault accident – less than $1000$2,511$240
Failure to wear a seat belt$2,552$282
Child safety restraint$2,556$285
Cell phone violation$2,564$293
Following too closely$2,588$318
Texting while driving$2,590$319
Improper passing$2,590$320
Illegal turn$2,590$320
Passing school bus$2,599$328
Driving without lights$2,609$338
Speeding 6 – 10 MPH over limit$2,621$350
Speeding 11 – 15 MPH over limit$2,623$352
Driving too slowly$2,623$353
Failure to yield$2,629$358
Failure to stop at a red light$2,629$358
Two comp claims$2,636$365
Speeding 16 – 20 MPH over limit$2,648$378
Failure to show documents$2,651$380
Wrong way/wrong lane$2,660$390
Speeding in school zone$2,667$396
Driving with expired registration$2,670$399
Speeding 21 – 25 MPH over limit$2,683$412
In 65 MPH zone$2,742$471
Open container$2,975$704
Operating a vehicle without permission$3,057$786
At-fault accident – greater than $2000$3,481$1,211
Racing$4,105$1,834
Reckless driving$4,120$1,850
Refusal to submit to a chemical test$4,156$1,886
DUI$4,185$1,915
Driving with a suspended license$4,197$1,926
Leaving scene of an accident/hit and run$4,240$1,969

Cheap auto insurance for teens and young drivers in Pennsylvania

Teens and young adult drivers in their 20s pay the highest premiums for car insurance compared to older age groups. Due to younger drivers’ relative inexperience on the road compared to older drivers, teen drivers pay more than three times the national average rate because of the risks they pose. In Pennsylvania, teens pay $4,923 annually—$3,394 more than the national average and 289% more than a 30-year-old Pennsylvania driver. Finding the best coverage for a teen can be challenging, but we’ve done the legwork for you by researching the most affordable options in PA.

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Cheapest car insurance quotes for young drivers in PA
CompanyAvg. 6 Mo. PremiumAvg. Monthly Premium
Travelers$1,042$174
Erie$1,960$327
GEICO$2,051$342
Nationwide$2,194$366
Allstate$2,643$441
USAA$3,021$503
Progressive$3,855$643
State Farm$4,207$701

Discounts Available for Pennsylvania Drivers

Understanding these discounts and how to qualify for them can lead to substantial reductions in your annual car insurance premiums.

Common Discounts for Pennsylvania Drivers
  1. Multi-Car Discount: Insure more than one car with the same company to receive a discount. Savings typically range from 10% to 25%, depending on the insurer.
  2. Safe Driver Discount: Drivers with no accidents or traffic violations for a certain period (usually three to five years) can qualify for this discount. Savings can be around 10% to 20%.
  3. Good Student Discount: Full-time students with a “B” average or better are often eligible. Discounts can vary, but 15% to 25% savings are common.
  4. Military Discount: Active duty, reserve, or retired military personnel can receive discounts. The amount can vary by company but generally falls between 5% and 15%.
  5. Defensive Driving Course Discount: Completing an approved defensive driving course can earn drivers a discount, usually around 10%.
  6. Low Mileage Discount: Drivers who log fewer than a certain number of miles annually might qualify for this discount, typically saving about 5% to 10%.
How to Qualify for and Claim These Discounts

To qualify for these discounts, you typically need to meet specific criteria set by your insurer, such as:

  • Proof of Multiple Cars: Register more than one vehicle under the same insurance policy.
  • Driving Record Verification: Maintain a clean driving record as required by the insurer.
  • Academic Records: Provide transcripts or report cards demonstrating academic achievement.
  • Military ID: Present valid military identification or documentation proving military status.
  • Course Completion Certificate: Submit a certificate from an approved defensive driving course.
  • Annual Mileage Report: Report your car’s odometer reading annually to prove low mileage.

Claiming these discounts usually involves contacting your insurance agent or company directly. You may need to provide appropriate documentation or proof at the time of insurance renewal or when modifying your policy.

Potential Savings from Each Type of Discount

The savings from each type of discount can significantly reduce your insurance costs:

  • Multi-Car: Save up to 25% when you insure multiple vehicles.
  • Safe Driver: Reduce your premium by up to 20% for maintaining a clean driving record.
  • Good Student: Enjoy discounts of 15% to 25% for excellent academic performance.
  • Military: Get a 5% to 15% discount as a thank you for your service.
  • Defensive Driving: Cut about 10% off your rates by completing a qualifying course.
  • Low Mileage: Decrease your premium by 5% to 10% with low annual mileage.

By understanding and applying for these discounts, Pennsylvania drivers can manage their car insurance costs more effectively and enjoy substantial savings.

How to Evaluate Car Insurance Quotes in Pennsylvania

Here are essential aspects to consider and tips on how to balance cost with coverage, along with advice on understanding the details of your policy.

What to Look for in a Car Insurance Policy
  1. Coverage Options: Look for policies that offer comprehensive, collision, and liability coverage. Also, consider additional protections like uninsured motorist coverage and personal injury protection, which can be invaluable in case of an accident.
  2. Deductibles: Evaluate the deductible amounts, which is the money you pay out of pocket before your insurance kicks in. A lower deductible typically means a higher premium, so choose what aligns with your financial situation.
  3. Discounts: Check for discounts that may apply to you, such as those for safe drivers, multi-car insurance, or electronic billing. These can significantly reduce your premiums.
  4. Claims Process: Understand the insurer’s process for filing claims. Look for a company with a reputation for handling claims quickly and fairly.
Understanding the Balance between Cost and Coverage
  1. Assess Your Needs: Evaluate how much coverage you actually need based on your vehicle’s value, your driving habits, and your financial security.
  2. Compare Quotes: Get quotes from multiple insurers to compare prices and coverage details side by side. Use the same variables for each quote to get an accurate comparison.
  3. Long-term Costs: Consider the long-term costs of choosing a cheaper policy with less coverage. It might save money now, but could cost you more in the event of an accident.
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Tips on Reading the Fine Print to Avoid Future Surprises
  1. Exclusions: Carefully review what the insurance does not cover. Common exclusions include damage from natural disasters or atypical events like meteor strikes.
  2. Limits and Caps: Understand the limits on coverage, such as maximum payouts for medical bills or property damage, which can affect your financial exposure in an accident.
  3. Policy Terms: Pay attention to the policy term, renewal processes, and any conditions that might cause a change in your rate or coverage.

By taking the time to thoroughly evaluate car insurance quotes in Pennsylvania, you can find a policy that offers both reasonable costs and adequate protection.

Top Companies Offering Cheap Car Insurance in Pennsylvania

Finding affordable car insurance can be a complex task, but in Pennsylvania, several top providers stand out for their competitive rates and excellent customer service. Here’s a look at some leading insurance companies offering cost-effective policies in the Keystone State:

1. Geico

Unique Selling Points: Geico is renowned for offering some of the lowest car insurance rates in Pennsylvania. They provide a user-friendly online platform and mobile app, making policy management and claims processing straightforward.

Customer Satisfaction: Geico consistently receives high ratings for customer satisfaction, particularly in terms of pricing and the ease of the claims process.

2. State Farm

Unique Selling Points: State Farm combines affordable rates with personalized service through its extensive network of local agents. They offer multiple discounts, including safe driver bonuses and multi-policy reductions.

Customer Satisfaction: Customers appreciate the personalized attention from local agents and the reliability in coverage and claims handling, often reflected in their positive reviews.

3. Progressive

Unique Selling Points: Progressive is known for its “Name Your Price” tool, which helps customers find insurance options that fit their budget without compromising on coverage.

Customer Satisfaction: Progressive rates well in terms of innovation in services and flexibility in policies, making them a popular choice among tech-savvy consumers.

4. Allstate

Unique Selling Points: Allstate offers a unique blend of affordable rates and comprehensive coverage options. Their Drivewise program rewards safe driving behavior with additional discounts.

Customer Satisfaction: Customers report high satisfaction with Allstate’s customer support and appreciate the various options for coverage customization.

5. Erie Insurance

Unique Selling Points: Erie Insurance stands out for its rate lock feature, which guarantees your premium won’t increase over time. They also provide diminishing deductibles and accident forgiveness.

Customer Satisfaction: Erie Insurance is highly regarded for its customer service and speedy claims resolution, earning it top marks in regional and national surveys.

However, each of these companies offers distinct advantages and competitive pricing, making them leaders in the Pennsylvania car insurance market.

Case Studies and Success Stories

Finding affordable car insurance in Pennsylvania is a significant win for many drivers, enhancing their financial stability and providing peace of mind. Here, we explore some success stories that highlight the positive impacts of finding cost-effective coverage.

Case Study 1: Sarah’s Savings Journey

Sarah, a young professional from Pittsburgh, shared how switching her car insurance provider cut her annual expenses significantly. Initially paying over $2,000 a year, Sarah utilized online comparison tools to find a policy for just $1,200 annually, saving $800. This reduction in her insurance costs allowed her to start a small emergency fund, illustrating how lower premiums can bolster personal financial health.

Case Study 2: Mark’s Milestone

Mark, a retiree in Philadelphia, found that many insurers were charging steep premiums, assuming older adults posed higher risks. After researching and comparing different plans, he secured a policy that was not only $500 cheaper than his previous one but also offered better coverage. This change meant more disposable income for his leisure activities and less stress about finances, showing the direct impact of affordable insurance on quality of life.

Case Study 3: Emily’s Enhanced Coverage

Emily from Harrisburg was paying high premiums for basic car insurance due to her young age. After participating in a defensive driving course and improving her credit score, she revisited her insurance options and found a premium for $300 less with enhanced coverage features. This not only saved her money but also increased her confidence while driving, knowing she was well-protected.

These stories underscore the dual benefits of affordable car insurance: financial savings and increased peace of mind. By diligently comparing rates, optimizing credit scores, and seeking discounts, Pennsylvania drivers can find the right coverage at the right price, setting a positive example for others in similar situations.

FAQs about Cheap Car Insurance in Pennsylvania

1. What factors influence car insurance rates in Pennsylvania?

In Pennsylvania, insurance companies consider several factors to determine your car insurance rates, including your driving history, age, the type of vehicle you drive, your credit score, and even your geographical location within the state.

2. Is car insurance mandatory in Pennsylvania?

Yes, car insurance is mandatory in Pennsylvania. All drivers are required to have at least the state minimum coverage, which includes liability insurance and personal injury protection.

3. How can I get the cheapest car insurance in Pennsylvania?

To secure the cheapest car insurance, it’s recommended to shop around and compare quotes from multiple insurers. Additionally, maintain a clean driving record, consider raising your deductibles, and look for discounts for which you may be eligible, such as multi-policy discounts, good driver discounts, and student discounts.

4. What is the minimum car insurance coverage required in Pennsylvania?

The minimum coverage required in Pennsylvania is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage. It is also required to have personal injury protection to cover medical expenses.

5. Can my credit score affect my car insurance rates in Pennsylvania?

Yes, in Pennsylvania, your credit score can impact your car insurance rates. Insurers often use credit scores to assess the likelihood of filing a claim; a higher credit score could mean lower rates.

6. Are there any specific discounts that Pennsylvania drivers should look for?

Pennsylvania drivers should look for several discounts to lower their insurance costs, including safe driver discounts, anti-theft device discounts, low mileage discounts, and discounts for completing a defensive driving course.

7. What should I do if I can’t afford car insurance?

If you find it challenging to afford car insurance, consider applying for the Pennsylvania Low-Income Usage Program (LUIP), which offers reduced rates for eligible drivers. Also, ensure you’re only purchasing the coverage you need and taking full advantage of any available discounts.

Conclusion

In conclusion, finding affordable car insurance in Pennsylvania is achievable by understanding your needs, comparing quotes, and applying the strategies discussed. Whether it’s by maintaining a clean driving record, opting for higher deductibles, or taking advantage of discounts, each approach offers a unique way to potentially lower your premiums.

We encourage you to start comparing quotes from different insurers today using the tips we’ve outlined. By actively engaging in comparison and adjusting your coverage to fit your personal situation, you can secure not only cost-effective but also comprehensive protection for your vehicle in the Keystone State.

Don’t miss out on the opportunity to save money while staying well-covered on the road. Start your journey to cheaper car insurance now!

References

For those seeking further information on obtaining affordable car insurance in Pennsylvania, the following resources are invaluable. They offer detailed insights and valuable guidelines that can help you secure the best coverage at the most reasonable rates:

  1. Pennsylvania Department of Insurance – This official resource provides comprehensive information on insurance laws and consumer rights in Pennsylvania. Visit the Pennsylvania Department of Insurance.
  2. Insurance Information Institute – A trusted source for data and insights on various types of insurance, including detailed guides on how to get competitive car insurance rates. Read more at the Insurance Information Institute.
  3. Consumer Reports – Known for its unbiased reviews and information, Consumer Reports offers advice on choosing car insurance providers in Pennsylvania based on customer satisfaction and price. Explore Consumer Reports for more information.

These sources provide credible and comprehensive information that will assist you in making informed decisions about your car insurance needs in Pennsylvania.