If you're a Pennsylvania resident or are planning to move to Pennsylvania in the near future, you're likely wondering what's the fastest way to buy an auto policy in the state.
Maybe you are looking for lower car insurance premiums, or maybe you found out about the 6.0% of drivers in Pennsylvania that don't have car insurance, either way, it's important to find an affordable policy that meets your state minimum coverage needs.
In this blog post, we'll outline some of the best and cheapest auto insurance options in 2022 for people living in Pennsylvania.
Progressive really needs no introduction and is known as one of the most ethical insurance companies because they’ll help you shop around for providers. The company also has a tool called “Name Your Price,” which isn’t just lip service.
Regardless of whether you need comprehensive coverage or liability auto insurance coverage. Let's jump in!
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State Farm also needs no introduction and they are one of the largest insurance companies in the industry.
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How Much Does Car Insurance Cost In Pennsylvania?
The average car insurance rate in Pennsylvania is $112 per month or $1,338 per year, which is less than the U.S. average of $1,600 per year. But auto insurance prices are dictated by factors other than state lines. Auto insurance premiums consider a number of components, including your driving record, credit history, gender, age, and marital status.
What Determines Pennsylvania’s Auto Insurance Rates?
Your premium is the amount you pay for a car insurance policy. The amount of your insurance rates will vary by provider, and it takes into account the following:
Who Has The Cheapest Rates For 20-Year-Old Drivers?
Drivers in their 20s could need many quotes for cheaper automobile insurance quotes. Prices are often sky high in younger 20 year-olds, but generally lower as drivers gain more experience driving. However, another car insurance company could offer better insurance to younger motorists, so it may be better to shop elsewhere.
Cheapest minimum coverage car insurance in Pennsylvania for 20-year-olds
Drivers seeking only state-specific Pennsylvania insurance coverage should check with the firms that had the lowest average rates which include Progressive, Geico, Allstate, State Farm, Esurance, and Travelers.
Who Has The Cheapest Rates For 30-Year-Old Drivers?
By their 40s, most motorists enjoy lower Pennsylvania auto insurance premiums than their teens or 20s. However, factors such as a driver's history may raise prices in some instances. Driving under 35 will get lower rates if they shop around for the best rates on insurance policies.
Cheapest auto insurance providers in Pennsylvania for 30-year-old drivers with one at-fault crash
Drivers seeking only state-specific Pennsylvania insurance coverage with one at-fault crash should check with the firms that had the lowest average rates which include Progressive, Geico, Allstate, State Farm, Esurance, and Travelers.
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What Are The Cheapest Car Insurance Companies In Pennsylvania?
Progressive has the cheapest Pennsylvania car insurance rates. However, State Farm, Geico, Travelers, and Esurance are some of the cheapest car insurance companies in the state of Pennsylvania.
Who Has The Cheapest Car Insurance Pennsylvania For Young Drivers?
Progressive has the cheapest car insurance rates in Pennsylvania for young drivers. While Progressive may have some of the lowest pricing on average, it's worth noting that other companies such as Esurance and Geico also offer affordable car insurance for young drivers. Your rates will vary based on different factors.
Who Has The Most Affordable Automobile Insurance For High-Risk Drivers In Pennsylvania?
When it comes to insuring high-risk drivers, State Farm and Geico typically have the lowest rates. However, keep in mind that each company will underwrite you differently. So, if your driving history puts you into one of the high-risk categories it's best to apply to more than one company.
Who Offers The Best Pennsylvania Car Insurance For New Drivers?
Progressive, Geico, State Farm, and Travelers are among the most affordable automobile insurance providers for young drivers in Pennsylvania, according to our rate predictions. In order to obtain inexpensive auto insurance, drivers in their 20s may have to receive numerous quotes. Someone in their earlier 20s' expenses can be sky-high so it's best to look around.
What Are The Different Types Of Car Insurance Options In Pennsylvania?
There are several different types of coverage you can get with your car insurance policy. It's essential to understand what these different parts of your policy will cover.
Except for New Hampshire and Virginia, liability insurance is required in all 50 states and covers your cost if you are held liable for an accident and have to pay a victim's expenses.
However, this is the absolute minimum insurance you can purchase and it is comprised of both property damage liability and bodily injury liability.
When you buy a policy it will cover you for three different limits under that above coverage.
These limits are known as the limits of liability which is essentially the insurer's max liability to cover you.
You can find them on the declarations page and they usually look something like this (20/40/10) all expressing the different levels of coverage.
This optional coverage (often called comp insurance) goes beyond basic liability and is usually purchased with collision insurance.
This part of the policy will have its own deductible that can be raised or lowered based on what you can afford.
Types of things covered by comprehensive insurance are:
Having comprehensive insurance will probably be required by any lender or lienholder if you decide to lease or buy your car with a loan.
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This level of coverage is often required if you are leasing or financing a vehicle. and will pay out if your car hits another car or object and you need to repair or replace your car.
Your collision coverage will have it's own deductible and coverage limits of liability. Like with any policy, the lower the deductible, the higher the premiums.
Collision insurance is optional in every states; however, your lender may require this coverage if you purchase a car with a loan.
If you’re involved in a car accident, and the person at fault doesn’t have insurance, then an insurance policy with uninsured motorist will cover the costs to make you whole.
Also, if someone only buys the minimum amount of insurance it might not be enough to cover everything.
But with coverage for uninsured or under-insured motorists it would cover the excess of what you’re owed.
Personal Injury Protection
Personal injury protection (PIP), is also called no-fault insurance, or medical payments coverage.
If an accident happens, regardless who is at fault, this part of the policy will cover you and your passenger's medical bills.
This part of the coverage will only activate for items not covered by your health insurance.
While many states make personal injury protection optional, you might not need it if you have good health insurance.
However, you could leave yourself open for more risk.
Will A Ticket Or Accident Increase Your Insurance Rates In Pennsylvania?
Yes! A single ticket may result in a rate increase of 7 to 28 percent on your insurance rates. All told you'll likely spend at least a few hundred dollars more each year on your auto insurance.
What Car Insurance Is Required By Law In Pennsylvania?
For Pennsylvania drivers, the minimum car insurance requirement is $15,000 for bodily injury to one person in an accident. It's also $30,000 for all persons in an accident. The property damage liability is $5,000.
What Is The Minimum PIP Insurance In Pennsylvania?
In Pennsylvania, drivers are required to have $5,000 or more in PIP coverage and medical benefits.