Penn National : $ 228 per year

Travelers : $ 268 per year

Geico : $ 293 per year

Donegal : $ 320 per year


state farm : $ 337 per year

Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.

Best Cities for Cheap Car Insurance in Pennsylvania

 

City Premium Percent Increase
State College $537 0.0%
Carlisle $580 8.1%
Chambersburg $584 8.9%
Williamsport $593 10.5%
Johnstown $601 12.0%
Mechanicsburg $603 12.3%
Harrisburg $623 16.0%
New Castle $634 18.2%
Altoona $635 18.3%
Lebanon $637 18.7%
Butler $638 18.9%
Greensburg $659 22.7%
York $667 24.3%
Lancaster $687 28.1%
Easton $708 32.0%
Reading $723 34.7%
Erie $725 35.2%
Bethlehem $727 35.6%
Wilkes Barre $730 36.1%
Scranton $734 36.8%
Pittsburgh $738 37.5%
Pottstown $760 41.7%
Coatesville $788 46.8%
Allentown $806 50.2%
West Chester $834 55.3%
Lansdale $846 57.7%
Norristown $885 64.9%
Levittown $977 82.1%
Bensalem $1,123 109.4%
Philadelphia $1,470 174.0%

Factors That Affect Car Insurance Premiums in Pennsylvania

Although fledged drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car indemnity rates can save older drivers hundreds of dollars a class.

Cheapest Car Insurance in Pennsylvania

7 Tips for How to Get Cheap Car Insurance in Pennsylvania

 

1. Compare quotes from both national and regional insurers

Don’t forget to include local insurance companies in your search for cheap car insurance. In Pennsylvania, regional insurers like Erie Insurance and The Hartford might have lower rates than national companies like Geico and State Farm and have comparable customer satisfaction ratings.
 

2. Know the factors affecting insurance in Pennsylvania

Everyone knows that your driving habits and
 

3. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even
 

4. Choose the coverage that is right for you

You need
 

5. Search for discounts

Top car insurance companies in Pennsylvania have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
 

6. Stay in less expensive zip codes

Car insurance prices can vary a lot based on zip code in Pennsylvania. On average, drivers in the
 

7. Try usage-based insurance

Low-mileage, non-aggressive drivers typically save the most with
 

Methodology

 

In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
 

Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan

Below are additional details regarding the terminology and specific characteristics of the variables in the above table:

  • Minimum Coverage: Coverage requirements of $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, $5,000 in property damage liability and $5,000 in medical benefits, as required by Pennsylvania’s minimum coverage requirements.
  • Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage and $5,000 in medical benefits.
  • Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible and $5,000 in medical benefits.
  • Sedan: 2018 Toyota Camry.
  • Minivan: 2018 Dodge Grand Caravan.
  • SUV: 2018 Toyota RAV4.
  • Coupe: 2018 Ford Mustang.
  • Truck: 2018 Ford F-150.

Where driver profiles are not specified, WalletHub averaged Pennsylvania insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.

WalletHub ’ s analysis of cheap car policy companies in Pennsylvania is based on data from the Pennsylvania DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Pennsylvania drivers in a collection of samara categories. For each profile, WalletHub compared quotes among top Pennsylvania car insurance companies by averaging premiums from 39 zip up codes that represent at least 20 % of Pennsylvania ‘s population. Military-specific companies like USAA were only considered for the military-specific class, due to their eligibility restrictions. In some cases, they may distillery be the best option overall for eligible drivers.In the postpone below, you can see all of the profile characteristics that were used in WalletHub ’ second analysis, in addition to the specific subset of characteristics that make up our adept Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Pennsylvania insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative alone. individual rates will be unlike. Don ’ thyroxine forget to include local insurance companies in your search for cheap car indemnity. In Pennsylvania, regional insurers like Erie Insurance and The Hartford might have lower rates than national companies like Geico and State Farm and have comparable customer gratification ratings.Everyone knows that your driving habits and claims history affect how much you pay for cable car indemnity. But in Pennsylvania, companies can besides consider your senesce, credit history, marital condition, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.You ’ ll see higher rates if you let your indemnity elapse, even if you don ’ thymine own a car. Pennsylvania drivers who don ’ deoxythymidine monophosphate maintain continuous coverage pay an modal of 16 % more than those with five or more years of indemnity history.You need liability insurance to pay for the early driver ’ mho damages if you ’ re at mistake in an accident in Pennsylvania. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based indemnity might be a better burst than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, excessively. Don ’ thymine skimp on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car policy than you need.Top car policy companies in Pennsylvania have a assortment of discounts, so about anyone can find ways to save. You may be able to get a discount if you ’ re a scholar, seasoned, good driver, homeowner, uncoerced to go paperless, and more.Car indemnity prices can vary a lot based on energy code in Pennsylvania. On average, drivers in the most expensive parts of Pennsylvania spend over $ 2,300 more per year for wax coverage cable car insurance than those living in the least expensive areas.Low-mileage, non-aggressive drivers typically save the most with usage-based policy, which adjusts your premium based on actual driving habits like full mileage, heavily brake, distracted drive, and more. Since drivers in Pennsylvania drive fewer annual miles than drivers in most other states, there are a lot of residents who could potentially save by switching to a usage-based insurance program .

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