You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life sentence ’ s fiscal journey. Bankrate ’ s editorial team writes on behalf of YOU – the subscriber. Our finish is to give you the best advice to help you make smart personal finance decisions. We follow rigid guidelines to ensure that our column capacity is not influenced by advertisers. Our column team receives no mastermind compensation from advertisers, and our contented is thoroughly fact-checked to ensure accuracy. then, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable information. We value your hope. Our deputation is to provide readers with accurate and unbiased data, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ re read is accurate. We maintain a firewall between our advertisers and our column team. Our column team does not receive direct compensation from our advertisers. Bankrate follows a rigid editorial policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the good fiscal decisions. All providers discussed on our web site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ re putting accuracy first base. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer servicing, policy features and savings opportunities — sol you can feel convinced about which provider is right for you. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ rhenium putting your interests foremost. All of our contented is authored by highly modify professionals and reviewed by capable matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a long track record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take future. While we adhere to strict editorial integrity, this post may contain references to products from our partners. hera ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Based on Bankrate ’ s extensive inquiry, Penn National offers the cheapest minimum coverage premium in Pennsylvania, with an average annual premium of $ 217 per year. While minimum coverage is often the cheapest option, it besides provides very fiddling fiscal protection. If you ’ rhenium looking for more full-bodied coverage, Geico has the lowest fully coverage premium, offering coverage for $ 916 per class, on average. relatively, the average monetary value of cable car insurance in Pennsylvania is $ 427 per annum for minimum coverage and $ 1,476 per annum for broad coverage, whereas the national average is $ 565 per class for minimal coverage and $ 1,674 per year for fully coverage. To help you find the cheapest car insurance in Pennsylvania, Bankrate analyzed premiums from diverse car indemnity companies in the department of state. Our research could help you find solid coverage with low-cost rates .
The cheapest car insurance in Pennsylvania
Bankrate use average quoted premium data obtained from Quadrant Information Services to determine the cheapest cable car indemnity companies in Pennsylvania. These carriers offer some of the cheapest rates in the Keystone State, but we besides reviewed each supplier ’ s coverage offerings, discounts, policy features and third-party customer satisfaction and fiscal potency ratings. These features, combined with low average rates, may help you avoid skimping on coverage while you shop for cheap car indemnity in Pennsylvania .
The cheapest companies for minimum coverage in Pennsylvania
If you are shopping for the cheapest car policy in Pennsylvania, you might be considering purchasing state minimal coverage. While minimum coverage can help you secure the lowest rates, it can besides leave you vulnerable to higher out-of-pocket costs if you cause an accident. Most insurance agents recommend that you purchase higher limits for more fiscal security.
Read more: Best car insurance companies for 2022
If you are shopping for minimum coverage, these companies have some of the cheapest car policy in Pennsylvania :
| Car insurance company | Average annual minimum coverage premium | Average monthly minimum coverage premium |
|---|---|---|
| Penn National | $217 | $18 |
| Nationwide | $240 | $20 |
| QBE | $241 | $20 |
| Geico | $267 | $22 |
| Auto-Owners | $272 | $23 |
The cheapest companies for full coverage in Pennsylvania
Shopping for brassy car policy companies doesn ’ metric ton mean you have to buy minimum coverage. You can find full coverage options at low-cost prices equally well. by comparing quotes. A full coverage policy provides fiscal security for price to your fomite angstrom well as the damage you cause to others .
| Car insurance company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| Geico | $916 | $76 |
| Penn National | $971 | $81 |
| QBE | $1,042 | $87 |
| Nationwide | $1,058 | $88 |
| Erie | $1,079 | $90 |
Events that can impact your cheap rates in Pennsylvania
If you ’ ve recently experienced a life event, you might have seen an increase in your premium. Shopping around for coverage after the surveil life events might help you secure a lower rate :
- Added a teen driver: Teen drivers generally cost more to insure than adults due to their lack of experience and higher-than-average rates of accidents. You might be able to lower the insurance cost for your teen by taking advantage of discounts. Rates will generally decrease as a young driver gains experience.
- Received a speeding ticket: Speeding can increase the risk of accidents and make accidents more serious. Getting convicted of a speeding ticket will generally increase your rates for three to five years. Insurance companies increase the cost for coverage to compensate for the increased risk of insuring you.
- Involved in an at-fault accident: Causing an accident means that insurance companies may view you as more likely to cause another. Just like with tickets, this generally results in a premium increase for three to five years. After the accident is old enough, you might see your rates go back down.
- Deemed a high-risk driver: If you have a few accidents, tickets, a DUI conviction or a combination of incidents on your record, you might be considered a high-risk driver. Not all insurance companies will write coverage for high-risk drivers, so you may need to shop around for a new policy. Your rates will likely be higher than if you had a clean driving record, but you might still be able to find affordable coverage.
Cheapest cities in Pennsylvania for minimum coverage
The average price of car indemnity in Pennsylvania varies by city and even ZIP code. Different areas of Pennsylvania have different costs of support, unlike healthcare and medical costs and different crash statistics, all of which can affect the price of cable car insurance. Below are the four cheap cities for minimum coverage, based on our research .
| City | Average annual minimum coverage premium | Average monthly minimum coverage premium |
|---|---|---|
| Beech Creek | $305 | $25 |
| Julian | $306 | $26 |
| Loganton | $306 | $26 |
| Mill Hall | $306 | $26 |
Cheapest cities in Pennsylvania for full coverage
Your city and ZIP code can affect how much you pay for fully coverage in Pennsylvania, excessively. In addition to the cost of medical manage and accident rate statistics, the price of parts and parturiency in your sphere may be higher or lower than average, which could affect the cost of your comprehensive examination coverage and collision coverage. The adopt cities have some of the cheapest wax coverage premiums in Pennsylvania .
| City | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| Houserville | $1,126 | $94 |
| Pine Grove Mills | $1,126 | $94 |
| State College | $1,128 | $94 |
| Park Forest Village | $1,129 | $94 |
Minimum coverage requirements for Pennsylvania drivers
Like other states, Pennsylvania has indemnity laws that require drivers to carry at least minimum levels of certain car insurance coverage types. The country requires that all drivers maintain at least the play along minimal liability coverage :
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
- $5,000 personal injury protection (called “First-Party Benefits” or “FPB” in Pennsylvania)
Pennsylvania besides requires car indemnity companies to offer uninsured and underinsured motorist coverage to all drivers, although these options can be declined in write. Pennsylvania is a no-fault express, but drivers can choose between two “ tort ” options. limited tort gives drivers the right to sue an at-fault party for medical costs, but not pain, suffering or any nonmedical expenses. Full tort means that drivers can sue for both medical and nonmedical costs associated with injuries in an accident. Although purchasing the minimum sum of necessitate car insurance will allow you to legally drive, you may want to purchase higher liability limits to better protect your finances if you cause an accident. You could besides consider collision and comprehensive coverage to provide coverage for price to your own vehicle. This is called “ entire coverage ” and is broadly a prerequisite if you have a loan or lease on your fomite .
Here is how to find (and keep) cheap car insurance in Pennsylvania
Shopping for brassy car indemnity in Pennsylvania doesn ’ metric ton have to be complicated. You can employ a few strategies to find the most low-cost rates for types and levels of coverage that you need. once you have brassy car insurance, you can take steps to help keep your rates low .
- Shop around: Different insurance providers use different rating algorithms to determine your premium, which means that the cost for the same coverage can vary. Getting quotes from a few different companies might help you find the lowest rates for your situation.
- Avoid accidents and tickets: Drivers with clean driving records generally pay less than drivers with a history of accidents or tickets. These incidents can be indications of risky driving habits and they generally result in a premium surcharge. Keeping a clean driving record can help you avoid those increases.
Frequently asked questions
What is the best car insurance in Pennsylvania?
Finding the best pennsylvania car insurance for your needs may take a bite of inquiry. Each company is different and each driver brings a singular position to their search. Understanding your wants and needs, working with a accredited agent and getting quotes from a few different carriers are all solid strategies to use while shopping for car policy. In summation to comparing price, you might besides want to compare coverage options, company features and third-party reviews from J.D. Power, AM Best and other evaluation agencies. Combined, these factors could help you find the right company for you .
Is car insurance required in Pennsylvania?
Yes. The state of matter of Pennsylvania has minimum requirements for car insurance coverage. All drivers must carry at least these minimum levels, although most insurance agents advise that you purchase higher limits or even full coverage. Driving without insurance in Pennsylvania is illegal and could result in fines and license abeyance. If you cause an accident without policy, you ’ ll be responsible for the damages you cause out of scoop .
Does my credit score affect my car insurance?
Yes, Pennsylvania does allow the practice of credit as a rate factor for car insurance. Drivers with low credit scores tend to pay more for coverage due to a greater statistical likelihood of filing a claim. If you are able to increase your accredit sexual conquest, you might see a reduction in your car policy rates.
Read more: The Best Car Insurance Companies for 2022
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good credit and the play along broad coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverage that meets each express ’ second requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum. These are sample distribution rates and should only be used for comparative purposes .