Compare Cheap Car Insurance in Pennsylvania
We studied car indemnity rates in Pennsylvania and found that Erie offers the best prices for different types of drivers but to ensure you receive the best rates, denounce around and compare premiums from multiple companies .
Cheapest car insurance companies in Pennsylvania
For the best rates in the Keystone State, you should gather premium estimates from Erie and State Farm. A cable car indemnity policy from Erie costs an average $ 40 per calendar month, while State Farm is slenderly more expensive, at $ 49 a calendar month .
USAA besides offers highly low-cost rates, but merely current or former military members and some of their family members can buy policies from the insurance company .
| Company | Average monthly rate |
|---|---|
| Erie | $40 |
| State Farm | $49 |
| Penn National | $61 |
| State average | $62 |
| Auto-Owners | $65 |
| Nationwide | $67 |
| Allstate | $74 |
| Progressive | $86 |
| GEICO | $87 |
| USAA | $30 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Before shopping around for quotes, you should know the sum and types of coverage you need. The minimum indebtedness design is the bare minimum the state requires, and is chiefly meant to protect other drivers and their vehicles in an accident.
Drivers who own more expensive vehicles should opt for higher coverage limits or extra protections .
Cheapest full-coverage car insurance in Pennsylvania
exchangeable to a minimal cable car insurance policy, you can find the most low-cost rates for a full-coverage plan from Erie and State Farm. Both offer plans at a little over $ 100 per month, on average .
| Company | Average monthly rate |
|---|---|
| Erie | $105 |
| State Farm | $115 |
| Auto-Owners | $141 |
| State average | $143 |
| Nationwide | $151 |
| Progressive | $161 |
| Penn National | $167 |
| Allstate | $185 |
| GEICO | $192 |
| USAA | $72 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The average cost of a full-coverage policy is more than twice the cost of the average minimum liability policy because full coverage offers protections not available with minimum coverage .
A full-coverage design provides the basic express car indemnity requirements, adenine well as comprehensive and collision coverage s .
Cheapest car insurance for young drivers in Pennsylvania
Drivers under the age of 30 are most likely to be involved in a cable car accident or receive a dealings citation. ascribable to this, young drivers receive some of the most expensive car insurance premiums .
Across the 16-to-20 senesce bracket, Erie and State Farm provide the cheapest full-coverage and minimal liability coverage .
Having to pay for indemnity on an already limited budget can stress your wallet.You can potentially save on car policy by :
- Taking advantage of discounts.
- Signing onto your parents’ car insurance policy.
- Comparing rates from multiple insurers and letting companies compete for your business.
Cheapest car insurance for bad drivers in Pennsylvania
Driving history is one of the biggest factors policy companies take into consideration to assess how “ bad ” you are. Drivers with a scar on their records receive higher premiums than their counterparts with clean records .
The best way to get rear to your pre-incident indemnity rates is to wait. Accidents and speeding tickets, for exercise, stay on your record for three to five years before falling off. An option to waiting is to look for ways to save money by applying discounts, bundling policies and seeing if switching companies is a better choice .
Cheapest full-coverage car insurance for drivers with an accident
Accidents signal to policy companies that you are a bad driver to insure. As a leave, you ‘ll frequently see the cost of your monthly premium increase after you ‘ve been in an at-fault accident.
Read more: Car Insurance in Arizona | Freeway Insurance
Erie raised prices by angstrom short as $ 8 a month, but GEICO hiked rates an median $ 142, illustrating the importance of comparing companies .
| Company | Monthly rate before | Monthly rate after | Difference |
|---|---|---|---|
| Erie | $105 | $113 | $8 |
| State Farm | $115 | $137 | $22 |
| Auto-Owners | $141 | $209 | $68 |
| Progressive | $161 | $236 | $75 |
| Allstate | $185 | $246 | $61 |
| Nationwide | $151 | $259 | $108 |
| Penn National | $167 | $278 | $111 |
| GEICO | $192 | $334 | $142 |
| USAA | $72 | $99 | $27 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Cheapest full-coverage car insurance for drivers with a DUI
Most companies charge higher-than-average rates for car policy to drivers with a DUI versus those with a clean criminal record. GEICO, for exemplify, about tripled its rates following a DUI conviction .
however, if you shop about, you can find low-cost premiums despite your record. For case, State Farm and USAA increased monthly premiums by only $ 11 to $ 24, on modal .
| Company | Monthly rate before | Monthly rate after | Difference |
|---|---|---|---|
| State Farm | $115 | $126 | $11 |
| Erie | $105 | $167 | $62 |
| Nationwide | $151 | $184 | $33 |
| Allstate | $185 | $185 | $0 |
| Progressive | $161 | $187 | $26 |
| Penn National | $167 | $338 | $171 |
| Auto-Owners | $141 | $339 | $198 |
| GEICO | $192 | $541 | $349 |
| USAA | $72 | $96 | $24 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Cheapest full-coverage car insurance for drivers with a speeding ticket
Speeding is one of the most common traffic violations, so for drivers who have a ticket on their record, you ‘ll be glad to hear that most indemnity companies only raise premiums by a few excess dollars .
however, this does n’t mean you should n’t gather multiple premium rates. Our analysis shows that Progressive and Allstate did not increase rates at all, but Penn National brought rates up by vitamin a much as $ 74, on average .
| Company | Monthly rate before | Monthly rate after | Difference |
|---|---|---|---|
| Erie | $105 | $113 | $8 |
| State Farm | $115 | $126 | $11 |
| Auto-Owners | $141 | $141 | $0 |
| Progressive | $161 | $161 | $0 |
| Nationwide | $151 | $184 | $33 |
| Allstate | $185 | $185 | $0 |
| GEICO | $192 | $202 | $10 |
| Penn National | $167 | $241 | $74 |
| USAA | $72 | $80 | $8 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Best car insurance companies in Pennsylvania, according to customers
The best car indemnity companies in the state not only have the lowest rates — they should besides have top-tier military service. A lot of car policy companies tout that they have the cheapest rates, but if you receive fiddling support from the company when filing a claim, the moo rates wo n’t be worth it .
We considered two diligence sources to determine an insurance company ‘s flush of customer satisfaction. The higher a company ‘s J.D. Power score, the more positively it was rated. The lower a company ‘s NAIC Complaint Index, the fewer customers filed a formal ailment with Pennsylvania country regulators .
| Company | J.D. Power 2021 U.S. Auto Insurance Satisfaction Study | National Association of Insurance Commissioners (NAIC) Complaint Index |
|---|---|---|
| State Farm | 851 | 0.70 |
| Average | 842 | 1.00 |
| Erie | 856 | 1.32 |
| GEICO | 835 | 1.33 |
| Nationwide | 823 | 0.61 |
| Progressive | 834 | 0.47 |
| Allstate | 830 | 0.63 |
| Auto-Owners | N/A | 0.64 |
| Penn National | N/A | 0.00 |
| Note: J.D. Power assesses overall customer satisfaction on a 1,000-point scale with the average rating in the Mid-Atlantic region being 842. The NAIC Complaint Index is the rate at which customers file complaints to their state regulators. The median Complaint Index is 1.0. | ||
Average car insurance costs in Pennsylvania by city
Your rates not only vary depending on which state of matter you live in, but besides the city where you reside. Dense and high-traffic areas like Philadelphia have much higher rates than a importantly less populated city like Lancaster .
We compiled average rates for the 10 most populate cities in Pennsylvania .
| City | Average monthly rate |
|---|---|
| Allentown | $137 |
| Bensalem | $175 |
| Bethlehem | $129 |
| Erie | $127 |
| Lancaster | $115 |
| Philadelphia | $246 |
| Pittsburgh | $129 |
| Reading | $131 |
| Scranton | $130 |
| Upper Darby | $204 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Car insurance requirements in Pennsylvania
Pennsylvania is one of 10 no-fault states in the nation. Drivers in these states must carry some form of personal injury protection, which covers physical injuries resulting from cable car accidents, careless of who caused the accident .
The state has an optional tort coverage drivers can take advantage of. Tort coverage refers to your ability to sue early drivers for pain and damages caused by an accident .
You must buy and maintain at least these types and amounts of car indemnity to legally drive in Pennsylvania .
| Coverage requirement | Limits |
|---|---|
| Bodily injury liability | $15,000 per person/$30,000 per accident |
| Property damage liability | $5,000 per accident |
| Medical benefits coverage | $5,000 per person |
If you ‘re caught driving without insurance, you could face the following penalties :
- A fine of $300 or more.
- A three-month suspension of your driver’s license.
- A three-month suspension of your vehicle registration.
- Various fees to restore your driver’s license or vehicle registration.
- Vehicle impoundment.
Driving conditions in Pennsylvania
Pennsylvania has one of the worst road infrastructures in the nation, according to QuoteWizard ‘s late infrastructure study analyzing Federal Highway Administration data. The state ranks ninth for bad infrastructure, with 27 % of roads considered unacceptable and 8.2 % of bridge decks of hapless quality .
Pennsylvania ‘s infrastructure issues cost the average driver $ 610 per year, higher than the $ 556 national modal .
Methodology
QuoteWizard conducted a comprehensive study of car insurance rates in Pennsylvania through Quadrant Information Services. The quotes we gathered were for a single, 30-year-old male. He has a clean drive record, unless stated differently. He owns a 2012 Honda Accord LX and drives it an average 13,500 miles each class.
When searching for a full-coverage policy, our driver ’ mho cable car policy policy has 100/300/100 coverage limits and a $ 500 deductible .
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