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:
- Allstate
- Amica
- Auto-Owners
- Donegal Mutual
- Erie
- GEICO
- Harleysville
- Liberty Mutual
- MetLife
- Mutual Benefit Group
- Nationwide
- Progressive
- State Farm
- Travelers
- 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.
- $15000 bodily injury coverage per person is required in Pennsylvania.
- $30000 bodily injury coverage per accident is required in Pennsylvania.
- $5000 property damage coverage per accident is required in Pennsylvania.
Other types of optional coverages in Pennsylvania are:
- Comprehensive
- Collision
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Uninsured/Underinsured Motorist Bodily Injury
- Accidental Death Benefit
- Extraordinary Medical Benefit
- Funeral Expense Benefit
- Income Loss Benefit
- 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.
