Cheap Full Coverage Car Insurance Pa
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The cheapest car insurance rates in Pennsylvania are $76 per month for comprehensive trip coverage and $21 per month for passenger liability coverage.
Cheap Full Coverage Car Insurance Pa
Author: Daniel Robinson Author: Daniel Robinson Author Daniel is a team writer for business guides and has written for a number of automotive news sites and marketing companies in the US, UK and Australia specializing in car finance and car care. Daniel car insurance, loans, warranty options, car services and more. is the authority of the guide team.
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Reporter: Rashaun Mitchner Reporter: Rashaun Mitchner Executive Director Rashaun Mitchner is a guide team reporter with over 10 years of experience covering personal finance and insurance topics.
We, the Guides team, have reviewed the best car insurance and cheapest car insurance companies in Pennsylvania to see which companies offer the best rates on quality coverage. Find our top five Pennsylvania car insurance providers, as well as information on state insurance laws. We recommend comparing car insurance quotes from providers to find the best rates and coverage.
The guide team is ready to provide you with reliable information to help you make the best car insurance decision. Because consumers trust us to provide objective and accurate information, we’ve created a comprehensive rating system to rate the best car insurance companies. We collected data from dozens of auto insurance providers to rate companies based on several rating factors. After 800 hours of research, the final result was an overall ranking of each service provider with the highest scores among insurance companies.
Here’s a look at the state’s cheapest car insurance companies and coverage, starting with the cheapest.
Cheap Car Insurance In Pennsylvania For February 2024
To determine the best auto insurance companies in Pennsylvania, we looked at regional customer satisfaction scores and statewide average rates. Each provider also received high marks in our national insurance industry review, which considered each insurer’s reputation, affordability, coverage, costs and overall customer experience.
*Our research team considers country-wide factors when evaluating service providers. The provider ratings in this chart are for Pennsylvania auto insurance.
Since car insurance companies have different methods of calculating premiums, no two are the same. For this reason, if you want to find the cheapest car insurance in Pennsylvania, we recommend comparing rates from several providers.
The level of coverage has a big impact on interest rates. Many quotes from service providers include a minimum liability and comprehensive auto coverage estimate. Although state law only requires minimum liability, drivers should consider getting full auto insurance coverage. Below are the cheapest car insurance options in Pennsylvania for both types of coverage.
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Drivers in the Keystone State generally enjoy lower average car insurance premiums. We found comprehensive coverage in Pennsylvania for just $1,981 a year or $165 a month. That’s about 1% cheaper than the national average of $2,008 a year for full coverage insurance.
The table below shows the providers offering the lowest rates in the state for full coverage.
*These rates are based on a 35-year-old driver with good credit and a clean driving record. Your prices will vary depending on several factors.
The lowest coverage in Pennsylvania averages $437 per year, or $36 per month for the same driving profile, making it 43% cheaper than the national average of $627. The table below shows the lowest cost carriers offering minimum coverage in the Keystone State.
How Much Is Car Insurance For A 20 Year Old?
Age, credit score and driving history have a big impact on the price of car insurance in Pennsylvania. Below we compare cheap car insurance quotes for Pennsylvania drivers in these categories.
Drivers in their teens and 20s pay more for car insurance than older drivers. In the charts below, you can see the cheapest car insurance rates for teenagers of different ages in Pennsylvania.
Teen drivers in Pennsylvania may pay higher prices for comprehensive auto insurance. According to our research, Travelers is, on average, one of the cheapest options for 16-year-old drivers, at $2,265 annually, or $189 per month.
In Pennsylvania, young drivers pay more for car insurance because they don’t have established driving records or histories. We found that Traveler is one of the cheapest options for 17-year-old drivers, costing an average of $2,929 per year, or $244 per month.
Best Car Insurance For 21 Year Olds
Based on our research, 18-year-old Pennsylvania drivers can find cheap comprehensive coverage through Travelers and Erie. USAA, State Farm, and Geico are also low-cost options.
Pennsylvania drivers in their 20s can expect to find slightly cheaper rates than teenagers. On average, 21-year-old drivers can find affordable insurance nationwide for $1,820 a year or $152 a month.
Pennsylvania drivers over 25 can find affordable comprehensive coverage through Travelers and Nationwide. Travelers in this age group pay an average of $973 per year, or $81 per month, for comprehensive coverage.
High-risk drivers pay more for car insurance. If you have multiple speeding tickets, DUIs, recent accidents or bad credit in the last 3-5 years, this may apply to you. That doesn’t mean you can’t find some pretty cheap prices in Pennsylvania.
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Pennsylvania drivers with speeding tickets pay an average of $2,269 per year (or $189 per month) for comprehensive coverage. Travelers is typically the cheapest option for these drivers, costing $1,133 annually or $94 per month. Most moving violations will increase your insurance premiums, and a speeding ticket is one example.
The average cost of auto insurance for drivers involved in an accident in Pennsylvania is $2,820 per year, or $235 per month. At an average of $1,198 a year or $100 a month, travelers offer the cheapest insurance policies that cover this group. Getting into an accident usually causes your car insurance premiums to go up.
The average cost of car insurance for DUI drivers in Pennsylvania is $2,977 per year, or $248 per month. These drivers can often find the cheapest comprehensive coverage through Travelers, which costs an average of $1,291 per year or $108 per month.
A DUI on your driving record means you will pay higher car insurance premiums than other drivers.
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The average bill for drivers with bad credit in Pennsylvania is $3,220 per year, or $268 per month. Nationwide offers the cheapest policy estimate for Pennsylvania drivers at $1,589 per year or $132 per month.
Pennsylvania is one of the few states that allows insurance companies to use your credit score as a factor in pricing your insurance premiums. People with bad credit will pay higher rates than drivers with average or good credit.
Pennsylvania auto insurance companies offer a variety of discounts to help drivers save on premiums. This chart shows the discount offers from the cheapest providers in Pennsylvania, which we discuss in more detail in the section below.
This is a standard car insurance discount offered by every company. Discount availability may vary by state, so check with your insurance agent to find out what auto insurance discounts you may be eligible for.
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Finding the best discount for your needs and situation is an important step in finding the cheapest car insurance. If you already have insurance, it may be a good idea to contact an agent to find out what discounts you qualify for.
USAA coverage is only available to Pennsylvania drivers who are members of the military, veterans or their dependents. But if you’re eligible for a company policy, you’ll have access to the best rates in the state, even before factoring in the many discounts the company offers. USAA also offers helpful extras like car trade-in and accident forgiveness.
State Farm is one of our top picks for the best car insurance in Pennsylvania for several reasons. First, the company offers coverage options with add-ons like ride coverage and roadside assistance.
State Farm also offers young drivers and other at-risk drivers ways to save on coverage with Drive Safe & Safe™ and Steer Clear.
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Programs. Drive Safe & Save monitors your driving habits and adjusts prices based on your performance. The Steer Clear program provides training and coaching for new drivers, and drivers receive a discount upon completion.
Geico doesn’t value accessibility and customer service in Pennsylvania as much as it does nationally. However, it offers very competitive rates to drivers in some categories. Geico continues to be one of the top choices for Pennsylvania drivers due to its overall mix of coverage options, rates and discounts. The company’s good driver discount can reduce premiums by up to 26% and multi-car discounts by up to 25%.
Erie Insurance is a regional insurance company
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