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 adept advice and tools needed to succeed throughout life sentence ’ s fiscal journey. Bankrate ’ s column team writes on behalf of YOU – the reviewer. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow nonindulgent guidelines to ensure that our editorial subject is not influenced by advertisers. Our editorial team receives no lineal recompense from advertisers, and our capacity is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We respect your confidence. Our mission is to provide readers with accurate and indifferent information, and we have editorial standards in locate to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ rhenium read is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive address compensation from our advertisers. Bankrate follows a rigorous editorial policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate capacity to help you make the mighty fiscal decisions. All providers discussed on our locate are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel convinced about which supplier is right for you. Bankrate follows a rigid column policy, so you can trust that we ’ rhenium putting your interests inaugural. All of our content is authored by highly qualify professionals and reviewed by national matter experts, who ensure everything we publish is aim, accurate and worthy of your faith. 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 serve and giving people assurance in which actions to take future. While we adhere to strict editorial integrity, this mail may contain references to products from our partners. here ‘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. Bankrate ’ s proprietorship research method revealed that Geico and Erie are among the best car policy companies in Pennsylvania. Our indemnity editorial team ’ second analysis is based on customer experience, fiscal lastingness and available technology, along with a review of average premiums from Quadrant Information Services. Nationwide, Progressive and Allstate besides made our list. Pennsylvania drivers pay an average of $ 1,476 per year for broad coverage, according to Bankrate ’ s 2022 learn of quoted annual premiums. Our research could help you understand how to choose the best cable car indemnity company for your needs, american samoa well as how to choose appropriate coverage types and levels. Our team of policy writers and editors sifted through the datum to help make your cable car policy shop action easy .
Best car insurance companies in Pennsylvania
If you are shopping for the best car policy in Pennsylvania, you may benefit from obtaining quotes from Geico, Erie, Nationwide, Progressive and Allstate. The best car indemnity companies in Pennsylvania were chosen based on a act of factors, including modal premiums, J.D. Power scores and available coverage options. We compiled the ranking of each ship’s company with these categories into a Bankrate Score, on a scale of 0.0 to 5.0. The higher a company scored overall, the higher that company ranked in the score categories. Our inquiry has determined the following five carriers offer some of the best car indemnity in Pennsylvania :
If you are looking for a ship’s company with a robust digital presence, Geico could be a great option. The company ’ sulfur web site and app allow you to handle your policy without talking to an agent. You can call for wayside aid, file a title and pay a bill through the app, which has over 3 million reviews on the App Store and placid has a fink of 4.8 out of 5.0. however, Geico may not be a full choice for you if you want a scope of optional coverage types to choose from. The company ’ s policies are relatively basic. Learn more : Geico Insurance reappraisal
Erie has the highest customer gratification rat of all the carriers on the tilt. ace customer service is paired with low rates — Erie Insurance is the third-cheapest carrier in Pennsylvania based on Bankrate ’ second quote data. Drivers can choose from a numeral of optional endorsements to expand their vehicle-related protection, such as newly and better cable car refilling coverage, first accident forgiveness and pet coverage if a positron emission tomography is injured in an accident. Erie does not have an on-line claim reporting instrument though, so it may not be the right fit if you are looking for a company with on-line tools. Learn more : Erie Insurance follow-up
countrywide offers basic car policy policies with a few options for personalization. If you are wanting to add excess coverage, Nationwide offers rental car coverage, gap indemnity and hand brake wayside aid. The company besides offers an accident forgiveness plan. however, the National Association of Insurance Commissioners ( NAIC ) does give Nationwide a higher-than-average complaint index, indicating that there are more complaints about Nationwide than the national service line of 1.0. Learn more : countrywide Insurance review
If you have accidents or tickets on your dive record, you may want to consider a quotation from Progressive ; the ship’s company is known for helping bad drivers find coverage. progressive offers several options to tailor your policy to your needs, like ridesharing coverage, which may be a adept option if you drive for Uber, Lyft or any similar company. Progressive did receive a below-average J.D. Power customer satisfaction score in the middle atlantic area, so the carrier may not be a adept meet for you if customer service is a priority.
Learn more : progressive Insurance revue
You may want to consider getting a quotation from Allstate, as the carrier wave offers a assortment of on-line resources, including an on-line quoting tool and car payment calculator. Allstate besides offers in-person agents, if you prefer to do your business with a person rather than on-line. however, Allstate ’ mho average rate is the highest on our number, so it may not be the best choice if you are on a tight budget. Learn more : Allstate Insurance review
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Average car insurance cost in Pennsylvania
car indemnity in Pennsylvania is generally cheaper than the national modal. While the median rate of full moon coverage car insurance in the U.S. is $ 1,674 per year, broad coverage in Pennsylvania is only $ 1,476 per year, on median, according to 2021 premium data from Quadrant Information Services. The lapp holds true for minimal coverage. The average annual price for minimal coverage in the U.S. is $ 565, while in Pennsylvania minimum coverage comes at an average rate of $ 427 per year .
|Average annual premium for minimum coverage in Pennsylvania
|Average annual premium for full coverage in Pennsylvania
The lower-than-average premiums could be due in separate to Pennsylvania ’ s population density. The state of matter has 48 rural counties and only 19 urban counties. much of Pennsylvania is rural, which means that there could be fewer cars on the road and less traffic. These metrics could lead to fewer crashes and lower policy prices .
Pennsylvania city Average annual premium for full coverage Average annual premium for minimum coverage Allentown, Pennsylvania $1,497 $480 Philadelphia, Pennsylvania $2,787 $860 Pittsburgh, Pennsylvania $1,504 $448
How to find the best car insurance in Pennsylvania
The best car insurance in Pennsylvania will vary based on your individual rate factors. To find the best car insurance in Pennsylvania for you, consider these tips .
Consider minimum insurance requirements in Pennsylvania
Pennsylvania requires its drivers to carry at least certain amounts of car insurance to drive legally. Understanding the minimum policy laws could help you decide what coverage to purchase. While you won ’ thymine be able to purchase less than the submit required minimums, checking Pennsylvania ’ s Department of Motor Vehicle ( DMV ) web site could help you understand the ways in which you ’ re covered. Pennsylvania is a no-fault state of matter, so you are required to carry at least minimum amounts of both indebtedness coverage and personal injury protection ( PIP ). If you cause an accident, your car policy coverage can help protect your finances and assets from the expenses. Most car insurance professionals recommend that you purchase higher limits to obtain greater fiscal protective covering .
Consider lender requirements
If you finance or lease your fomite, there could be cable car indemnity requirements in addition to Pennsylvania ’ randomness state minimum limits. Most fiscal institutions require you to carry full coverage, which includes comprehensive and collision to protect your finances from damage to your car. You may besides want to consider col indemnity deoxyadenosine monophosphate well. Because vehicles depreciate relatively promptly, the balance wheel of your loan may be higher than the sum loss value of your fomite. Gap indemnity is designed to pay this difference .
Consider your individual needs
Your life circumstances can besides have an affect on your car policy coverage and discounts. If you have a adolescent driver, for exercise, you are probable paying a higher premium than you were before your child was licensed. Looking for a caller that offers discounts and safe drive programs for youthful drivers could help you lower your premium. Or you might have a few accidents, tickets or a DUI conviction on your commemorate. This means that policy companies are probably to view you as a bad driver. Having naturalistic expectations of your premium and looking for companies that have coverage options, discounts and features geared toward your needs could help you find a good fit .
Car insurance discounts in Pennsylvania
Taking advantage of discounts is frequently one of the easiest ways to save on your car insurance premium. Although every caller offers different discounts, some common savings opportunities in Pennsylvania are :
- Young driver discounts: Many companies offer discounts to help offset the cost of insuring a young driver. Asking your provider about good student discounts, distant student discounts or teen driver programs might result in savings.
- Safe driver discounts: Driving less can decrease your risk of getting into an accident. If you do not drive your car often, you may qualify for a low-mileage discount. Safe drivers might also want to consider signing up for a telematics program. These typically involve using a mobile app or plug-in device to track your driving habits. You may then be awarded a discount based on your driving patterns. Additionally, if you have a clean driving record, you might qualify for a claim-free discount.
- Other discounts: If you have more than one insurance product, bundling your auto and home — or other insurance products — with the same company could save you quite a bit of money. You could also choose to pay your policies in full, which often results in a discount.
You may be able to review a caller ’ s discounts online, or you can talk to an agent or customer service congressman to see if you are taking advantage of all the savings opportunities available to you .
Frequently asked questions
What is the best car insurance company in Pennsylvania?
Although the companies above are some of the best in the state, the best cable car policy company will vary for everyone. Your car indemnity needs are unique and the company that can best address your situation is going to be alone vitamin a well. Understanding what you want from a caller, what kinds of coverage you are looking for and if you want access to digital tools may help you to figure out which ship’s company is a good option for you .
What is the cheapest car insurance company in Pennsylvania?
Penn National, Nationwide and QBE are among the cheapest car policy companies in Pennsylvania, according to our research. But while these companies offer bum median rates, your rates will vary based on your unique circumstances. Your driving history, the type of car you drive and the coverage types you purchase will all impact your rates .
Is Pennsylvania a no-fault state?
Yes, Pennsylvania is a no-fault department of state. This means that personal injury protection ( PIP ) coverage for aesculapian benefits is required, although the express refers to it as “ First Party Benefits ( FPB ). ” PIP benefits in Pennsylvania can include medical payments, lost wages, essential services and funeral expenses. In no-fault states, your insurance must be used to pay for your injuries first base after an accident, careless of fault. No-fault states much limit your ability to sue another driver for injuries. however, unlike early no-fault states, Pennsylvania allows drivers to choose a tort option when they purchase an car insurance policy. You can choose between limited tort or wax tort, which define what you can and can not seek legal compensation for after an accident. Full tort will allow you to sue for pain and agony, whereas express tort will not unless your injuries meet a specific set of criteria .
What do you need to get car insurance in Pennsylvania?
To get an car insurance policy, you will by and large need to have the year, make and model of your car, its vehicle identification number ( VIN ) and the mention, date of birth and driver ’ s license number for every driver in your family. You may besides be asked for your Social Security total. Having an theme of what coverage types you want quotes for can be helpful american samoa well, although you can ask an agent to quote several different coverage options if you would like to compare them .
Bankrate utilizes Quadrant Information Services to analyze 2022 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 driving read, dear credit and the follow full 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 minimum coverage limits, Bankrate used minimum coverage that meets each state ’ s requirements. Our root visibility drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores chiefly reflect a burden membership of industry-standard ratings for fiscal military capability and customer know in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is authoritative for drivers to be confident their fiscal protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car policy companies satisfy these priorities, third-party representation ratings from J.D. Power, AM Best, S & P, NAIC, and Moodys had the most affect on the companies ’ Bankrate Scores. As price is a common circumstance for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurance company handiness, affordability and customer experience are often the top priorities, Bankrate besides analyzed each insurance company ’ randomness on-line and fluid resources for policy management and claims handling. policy is quickly evolving to keep pace with our digital world, so these aspects besides carried weight unit in determining Bankrate Scores .