Cheap Car Insurance in Pennsylvania

Cheap Car Insurance in Pennsylvania

It is mandatory to get car insurance in Pennsylvania for drivers to drive legally in the state. Different companies in Pennsylvania provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Pennsylvania:

Name of the Company Average annual car insurance premiums
Travelers $800
Erie $975
Auto-Owners $987
USAA $999
General Casualty $1120
Atlantic States Insurance $1176
State Farm $1178
Allied $1340
Nationwide $1340
Donegal Mutual $1450
Esurance $1640
GEICO $1660
MetLife $1712
Progressive $1919
State Auto $1929
Chubb $1938
Mercury $2172
Encompass $2385
Safe Auto $2456
GMAC Insurance Group $2685
Sentry $3055
American Independent $3078
Metropolitan $3080
Motorists Mutual $3104
Allstate $3504

Cheap car insurance in Pennsylvania for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Pennsylvania with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Pennsylvania provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Pennsylvania by maintaining a good driving record. Most auto insurance companies in Pennsylvania provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $169 on car insurance premiums in Pennsylvania.
  •  Drivers may save $763 on car insurance premiums if they have an accident-free record in Pennsylvania.
  •  By maintaining a good credit history you may save $1203 on car insurance premiums in Pennsylvania. 

Cheap car insurance for inexperienced drivers in Pennsylvania

Most auto insurance providers may charge high auto insurance premiums in Pennsylvania from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Pennsylvania vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Pennsylvania. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $6045 $4774
17 $5762 $4320
18 $5440 $3812
19 $5440 $3120

Affordable auto insurance in Pennsylvania for high-risk drivers

Car insurance companies in Pennsylvania charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Pennsylvania can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Pennsylvania may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $2162
DUI $2520
Speeding Violation $1568
Bad Credit $2600

Best car insurance companies in Pennsylvania

Car insurance prices in Pennsylvania may vary from company to company. Some companies in Pennsylvania charge lower car insurance premiums than others. To get the best auto insurance policy in Pennsylvania you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Pennsylvania by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Pennsylvania:

  1. Allstate
  2. Amica
  3. Auto-Owners
  4. Donegal Mutual
  5. Erie
  6. GEICO
  7. Harleysville
  8. Liberty Mutual
  9. MetLife
  10. Mutual Benefit Group
  11. Nationwide
  12. Progressive
  13. State Farm
  14. Travelers
  15. USAA

What auto insurance coverage is mandatory to purchase for drivers in Pennsylvania?

The average annual cost to get the minimum required coverage in Pennsylvania may be around $636.  The minimum required coverage for drivers in Pennsylvania to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $15000
Bodily injury per accident $30000
Property damage per accident $5000

 The state minimum auto insurance requirements in Pennsylvania

The state minimum auto insurance coverage requirement in Pennsylvania is liability coverage.

  1. $15000 bodily injury coverage per person is required in Pennsylvania.
  2. $30000 bodily injury coverage per accident is required in Pennsylvania.
  3. $5000 property damage coverage per accident is required in Pennsylvania.

Other types of optional coverages in Pennsylvania are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Uninsured/Underinsured Motorist Bodily Injury
  7. Accidental Death Benefit
  8. Extraordinary Medical Benefit
  9. Funeral Expense Benefit
  10. Income Loss Benefit
  11. Combined First Party Benefit

Fine for driving without car insurance in Pennsylvania

If anyone caught driving without a car insurance policy in Pennsylvania then police may charge a fine.

Car insurance prices by cities in Pennsylvania

Car insurance premiums in Pennsylvania may vary from city to city. In some cities of Pennsylvania, car insurance prices are high compared to others.

City Average annual insurance premiums
Philadelphia $2652
Chester $2035
Drexel Hill $1883
Norristown $1840
Levittown $1812
Allentown $1566
Reading $1537
Pittsburgh $1490
Hazleton $1487
Plum $1475
Easton $1456
Erie $1455
Wilkes-Barre $1450
Scranton $1450
Bethlehem $1439
New Castle $1412
Altoona $1399
Bethel Park $1363
Harrisburg $1358
York $1335
Lancaster $1326
Lebanon $1272

If you are looking for a car insurance deal in Pennsylvania , you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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