cheap car insurance
pennsylvania 2022
The Cheapest Car Insurance in Pennsylvania
Cheapest Minimum Liability Car Insurance in Pennsylvania
Getting a liability-only coverage policy, which only meets the state minimum car insurance requirements, is the most low-cost car insurance option in Pennsylvania. Based on MoneyGeek ’ mho study, the most low-cost minimal coverage cable car insurance in Pennsylvania are from :
- GEICO: $543 per year
- Erie: $571 per year
If you or a family member are in the military, you qualify for USAA coverage, which would be the cheapest choice in the state at an average of $ 374 per year. interim, MetLife has the most expensive annual average rate at $ 1,715 .
Cheapest Minimum Car Insurance in Pennsylvania
- company per annum monthly
- 1 .USAA $ 374 $ 31
- 2 .GEICO $ 543 $ 45
- 3 .Erie $ 571 $ 48
- 4 .State Farm $ 652 $ 54
- 5 .Travelers $ 825 $ 69
- 6 .Allstate $ 835 $ 70
- 7 .Nationwide $ 919 $ 77
- 8 .Esurance $ 1,061 $ 88
- 9 .Progressive $ 1,084 $ 90
- 10 .MetLife $ 1,715 $ 143
These prices are entirely estimates based on rates for an average Pennsylvania driver and should not be used to compare insurance prices. Loading …
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Cheapest Full Coverage Car Insurance in Pennsylvania
Pennsylvania drivers who have a full coverage policy with higher indebtedness limits and comprehensive examination and collision indemnity have the assurance that they are protected against road and off-road accidents. While this policy costs more than minimum coverage, it provides protection against if your car gets damaged after an accident. The best way to find the most accurate policy is to compare multiple quotes from diverse car insurers. Based on modal rates for Pennsylvania drivers with broad coverage, the cheapest car insurance companies are :
- Erie: $1,328 per year
- Travelers: $1,330 per year
For military personnel, USAA has the most low-cost average annual rate of $ 991. MetLife has an median rate of $ 2,753 per year for a full coverage policy, making it the most expensive choice .
Cheapest Full Coverage Car Insurance in Pennsylvania
- company annually monthly
- 1 .USAA $ 991 $ 83
- 2 .Erie $ 1,328 $ 111
- 3 .Travelers $ 1,330 $ 111
- 4 .GEICO $ 1,344 $ 112
- 5 .State Farm $ 1,370 $ 114
- 6 .Nationwide $ 1,771 $ 148
- 7 .Allstate $ 1,824 $ 152
- 8 .Esurance $ 2,097 $ 175
- 9 .Progressive $ 2,589 $ 216
- 10 .MetLife $ 2,753 $ 229
car indemnity rates depend on personalize factors, so your premium will not be the lapp as any of the examples provided. These rates are based on a comprehensive and collision insurance policy that allows a driver to claim up to $ 100,000 for bodily injury per person, $ 300,000 for bodily injury per accident and $ 100,000 for property damage per accident.
How to Compare Cheap Pennsylvania Car Insurance Quotes Online
Most car insurance companies in Pennsylvania provide access to reasonably accurate quotes through tools on their websites .
- Always be consistent about coverage limits. If the basis for one quote is $300,000 in bodily liability insurance per accident, then you should use that same number with all insurers.
- You can obtain quotes online through most insurance providers in Pennsylvania. Use MoneyGeek’s auto insurance calculator to compare rates for an average driver. For a personalized quote, you’ll need to contact insurance providers directly. You may also use the price data presented by MoneyGeek to help you figure out which company’s websites you will visit.
- The cheapest companies in Pennsylvania are USAA, GEICO and Erie. You can start your search for the best auto insurance by asking for quotes from these insurers.
Auto Insurance Calculator
submit pennsylvania old age 40 drive record clean credit score excellent Vehicle Type compact Vehicle year 2020 Liability Coverage state of matter Min Comprehensive and Collision Insurance none sex female Click the section of the wheel in your price scope to see options. low end on modal high end Click your preferable price range to see company options. Click an insurance company below to visit their review page or continue to your individualized quotation. company average annual Rates 1 .USAA $ 375 2 .GEICO $ 545 3 .Erie $ 573 4 .State Farm $ 655
Cheapest Car Insurance for Drivers With a DUI in Pennsylvania
insurance providers in Pennsylvania charge higher rates for drivers who have violations like a DUI. In Pennsylvania, the average cost of car policy for a driver with a DUI is $ 3,204 per year. A driver with a clean record typically pays $ 1,818 per year. The cheapest car policy for a driver with a DUI and full coverage in Pennsylvania are :
- State Farm: $1,494 per year
- Allstate: $1,824 per year
If you have a military affiliation, USAA ‘s average annual rate of $ 1,322 for Pennsylvania drivers with a DUI is likely your most low-cost option .
Average Car Insurance Rates With a DUI
- company per annum monthly
- 1 .USAA $ 1,322 $ 110
- 2 .State Farm $ 1,494 $ 125
- 3 .Allstate $ 1,824 $ 152
- 4 .Erie $ 2,031 $ 169
- 5 .Esurance $ 2,501 $ 208
- 6 .Travelers $ 2,843 $ 237
- 7 .Progressive $ 2,936 $ 245
- 8 .Nationwide $ 3,013 $ 251
- 9 .GEICO $ 4,537 $ 378
- 10 .MetLife $ 7,847 $ 654
Driving under the influence ( DUI ) carries a dramatic risk for your life and colleague drivers on the road. In Pennsylvania, 1.8 % of adults admitted to driving after drinking excessively much within the past 30 days in a survey by the Centers for Disease Control and Prevention ( CDC ). 3,697 people in Pennsylvania were killed in alcohol-related crashes between 2009 and 2018. The legal consequences of a DUI in Pennsylvania vary based on a driver ’ s lineage alcohol content ( BAC ). It is illegal to drive with a BAC of .08 % or higher. First-time offenders face six months of probation, a $ 300 very well, but get to keep their license. If your BAC is higher than .10 %, the punishment is much more hard with jail time and your license will be suspended. Check out the above postpone for estimates on what to expect if you get a DUI in Pennsylvania. A DUI citation can have a significant affect on your finances. Along with legal and court fees, you can expect your cable car policy cost to rise. In some cases, your policy rates could double nightlong after a DUI because insurers will immediately label your coverage as bad. In Pennsylvania, a license suspension is a valid reason for an indemnity caller to cancel your policy. If that happens, you ’ ll necessitate to look for coverage from a different party. Getting absolve quotes from multiple companies will help you find the cheapest car policy with a DUI in Pennsylvania. If you struggle to find coverage after a DUI, Pennsylvania offers an Assigned risk plan. This commonwealth-sponsored car policy ensures bad drivers have coverage and the hazard is shared across multiple providers.
Cheapest Car Insurance in Pennsylvania for Drivers With an At-Fault Accident
In Pennsylvania, if an insurance company deems you “ at-fault ” in an accident, your policy premiums will about decidedly rise. On average, a driver with an at-fault accident on their record pays $ 2,919 for their policy. The following two companies provide the bum car policy in Pennsylvania for drivers with an at-fault accident history, on modal :
- State Farm: $1,619 per year
- Erie: $1,706 per year
While USAA offers the lowest annual average bounty in the country of $ 1,394, their products are merely available to current and former military members, deoxyadenosine monophosphate well as their families .
Cheapest Car Insurance With an At-Fault Accident
- ship’s company per annum monthly
- 1 .USAA $ 1,394 $ 116
- 2 .State Farm $ 1,619 $ 135
- 3 .Erie $ 1,706 $ 142
- 4 .Travelers $ 2,181 $ 182
- 5 .Allstate $ 2,350 $ 196
- 6 .GEICO $ 2,561 $ 213
- 7 .Nationwide $ 2,612 $ 218
- 8 .Esurance $ 3,141 $ 262
- 9 .Progressive $ 4,277 $ 356
- 10 .MetLife $ 7,655 $ 638
Cheapest Car Insurance for Drivers With Tickets in Pennsylvania
even a minor drive misdemeanor, such as a ticket, can increase your car insurance rate in Pennsylvania. The average cost for drivers with a speed ticket is $ 2,141 per annum. That is $ 323 more than the average annual rate for drivers with a clean record, which is $ 1,818. The cheapest car insurance companies in Pennsylvania for a driver with a accelerate ticket and wax coverage are :
- Erie: $1,378 per year
- State Farm: $1,494 per year
If you or a kin penis are in the military, you can purchase coverage from USAA, which offers policy for Pennsylvania drivers with tickets for just $ 1,104 per year on average .
Average Car Insurance Rates With a Ticket
- ship’s company annually monthly
- 1 .USAA $ 1,104 $ 92
- 2 .Erie $ 1,378 $ 115
- 3 .State Farm $ 1,494 $ 125
- 4 .GEICO $ 1,567 $ 131
- 5 .Allstate $ 1,824 $ 152
- 6 .Travelers $ 2,181 $ 182
- 7 .Esurance $ 2,199 $ 183
- 8 .Nationwide $ 2,236 $ 186
- 9 .Progressive $ 2,642 $ 220
- 10 .MetLife $ 3,656 $ 305
According to the National Highway Traffic Safety Administration, Pennsylvania has one of the worst rates for distracted driving. In 2018, distracted drive accounted for 1,103 crashes in the state. Both distract driving and speed is considered bad driving demeanor by car policy companies and may increase your rates. In Pennsylvania, the law prohibits drivers from interacting with any radio device, including texting, emailing or browsing the internet. While drivers face a $ 50 finely in Pennsylvania for distract drive, the misdemeanor does not appear on any driver records. however, there are now tougher penalties for crashes caused by texting while driving, including two years in imprison. Clearing your record of a perturb driving crash will take some fourth dimension. In the interim, your insurance rates will increase. Finding cheap car policy rates with a ticket in Pennsylvania is possible with research. You should get multiple quotes and ask if there are ways you can lower your pace, like taking a driver ’ s education course.
Cheapest Car Insurance Companies in Pennsylvania for Drivers With Bad Credit
Drivers with poor credit scores in Pennsylvania have higher rates than those with healthy credit scores. The average annual rate for drivers with bad recognition is $ 3,301. The average monetary value for drivers with good scores is $ 1,818 per year. MoneyGeek ’ south analyze shows that the cheap car indemnity companies in Pennsylvania for a full coverage policy if you have bad credit are :
- Nationwide: $1,906 per year
- GEICO: $2,095 per year
For military members and their families, USAA ‘s average annual rate of $ 1,529 is the most low-cost for a Pennsylvania driver with bad credit .
Average Car Insurance Rates for Drivers With Bad Credit
- party per annum monthly
- 1 .USAA $ 1,529 $ 127
- 2 .Nationwide $ 1,906 $ 159
- 3 .GEICO $ 2,095 $ 175
- 4 .Travelers $ 2,427 $ 202
- 5 .State Farm $ 2,718 $ 227
- 6 .Erie $ 3,220 $ 268
- 7 .Allstate $ 3,365 $ 280
- 8 .Esurance $ 4,580 $ 382
- 9 .Progressive $ 4,873 $ 406
- 10 .MetLife $ 5,994 $ 500
How creditworthy you are with your finances is a agent car insurance companies use to determine your rates. If you have a gamey credit score, they believe you will have fewer claims and will offer you a lower rate. This effect is the face-to-face for people with broken credit scores. Pennsylvania allows insurers to increase rates when writing new policies, but they can not use your credit rating score to affect renewals. According to Experian, Pennsylvania has an average credit score of 713. That ’ s slightly above the home average of 703. Check out the above table for estimates of what drivers in Pennsylvania will pay for car indemnity if they have bad credit. If you have a lower credit mark, your quotes will probably reflect that with higher rates. To lower your rates, double-check your credit report. If there are errors, work to fix them deoxyadenosine monophosphate soon as possible and then reevaluate with your policy company. solve with a few policy companies and ask if and how they use your citation report. Bad credit will impact your rates more with some insurers than with others, so get respective personalized quotes to find low-cost car insurance with bad credit.
Cheapest Car Insurance in Pennsylvania for Seniors
senior drivers in Pennsylvania tend to have slightly higher car policy rates than young adults and middle-aged drivers. typically, senior drivers in Pennsylvania pay an average of $ 1,881 per year. That is $ 63 more than the annual average rate of $ 1,818 for a 40-year-old driver. The cheapest cable car insurance companies in Pennsylvania for aged drivers with full coverage are :
- State Farm: $1,318 per year
- GEICO: $1,396 per year
For those of you in military families, USAA has the lowest modal annual rate for Pennsylvania seniors at $ 1,054 .
Average Car Insurance Rates for Seniors
- company annually monthly
- 1 .USAA $ 1,054 $ 88
- 2 .State Farm $ 1,318 $ 110
- 3 .GEICO $ 1,396 $ 116
- 4 .Erie $ 1,408 $ 117
- 5 .Nationwide $ 1,733 $ 144
- 6 .Travelers $ 1,743 $ 145
- 7 .Allstate $ 1,913 $ 159
- 8 .Esurance $ 2,441 $ 203
- 9 .MetLife $ 2,536 $ 211
- 10 .Progressive $ 2,584 $ 215
There are plenty of options for brassy car indemnity for seniors in Pennsylvania. Senior drivers who have a clean drive record can find dear deals based on their know and cognition on the road. however, as we long time, we face new physical, ocular and genial challenges. According to NHTSA, drivers over the senesce of 65 are responsible for 15.9 % of the department of state ‘s madly crashes. Pennsylvania begins retesting adults over the age of 45 to ensure their ability to drive safely. Drivers are randomly chosen prior to their driver ’ s license renewal and are required to undergo a imagination and physical interrogation. Depending on the results, a driver ’ south interrogation and knowledge test may besides be required. When looking for the best rates, consider taking a driver ’ s education course. Under Pennsylvania country law, drivers 55 and older are eligible to receive a 5 % dismiss on their vehicle indemnity by completing the Mature Driver Improvement Course. Make sure your insurance party knows you have completed the course to ensure you get the discount rate.
Cheapest Car Insurance in Pennsylvania for Young Drivers
policy providers consider young drivers riskier to insure due to their lack of have on the road and charge them higher premiums as a leave. In Pennsylvania, a 16-year-old driver ‘s car policy costs an average of $ 4,354 per year, while a 25-year-old driver pays an average annual rate of $ 1,828. Although Allstate offers the cheapest car policy quotation mark for drivers aged 16, State Farm, on average, offers the most low-cost quotes to the majority of long time groups in that range .
Annual Car Insurance In Pennsylvania for Young Drivers
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- old age average monetary value Cheapest company company monetary value
- 16
$4,354
Allstate
$3,990
- 17
$4,175
Allstate
$3,665
- 18
$3,777
Allstate
$3,256
- 19
$3,977
State Farm
$3,101
- 20
$3,325
State Farm
$2,718
- 21
$2,706
State Farm
$2,269
- 22
$2,540
State Farm
$2,020
- 23
$2,228
GEICO
$1,704
- 24
$2,039
GEICO
$1,429
- 25
$1,828
GEICO
$1,365
Auto indemnity companies measure experience and a history of safe drive. For teenagers, this takes time to build and maintain. That ’ sulfur why insurance rates are higher for new drivers. however, there are ways to find the cheapest car indemnity for students. In general, you should always seek out as many discounts for young drivers as possible, while comparing rates from multiple companies to find the most low-cost option.
Insurance Rate Information for Military Drivers and Veterans
For the 2,500 active-duty military personnel and 800,000 veterans in Pennsylvania, there are military discounts available with car policy plans. major indemnity companies offer a discount to stay competitive with one another. Military-focused insurance companies work only with armed forces personnel and some indemnity companies cater just to veterans. The Pennsylvania Insurance Department offers tips on bribe cable car policy angstrom well as the state ‘s requirements for minimum coverage. A service member can maintain Pennsylvania fomite adjustment or switch it over to the state of matter where they ‘re stationed. If registered in Pennsylvania, the annual refilling in most cases can be completed on-line. All the forms you need are here .
Average Rates for Pennsylvania service members
25 years
$1,418
50 years
$1,133
25 years
$1,418
50 years
$1,133
Car Insurance in Pennsylvania: What You Need to Know
All fomite owners must provide proof of car liability coverage to register a car or hand truck for legal road use in Pennsylvania. You need to carry proof with you on the road : either your indemnity ID poster, a digital version on a mobile device or a transcript of your policy .
Minimum Liability Insurance Requirements in Pennsylvania
Drivers in Pennsylvania have two choices for car policy : full tort or limited tort. restrict tort, besides known as no-fault indemnity, pays up no matter who causes an accident. however, it besides limits your rights to sue another driver for pain and miserable ( except for catastrophic injuries ). With full-tort insurance, you maintain your right to sue, but your premiums will be higher. Either way, you ‘ll have to buy indebtedness coverage to cover the monetary value of injuries or damages in an accident. These are the country minimums : bodily injury :
- $15,000 per person
- $30,000 per accident
property damage :
- $5,000
aesculapian Benefits :
- $5,000
Uninsured and underinsured motorist insurance is not required in Pennsylvania but is offered by all insurers. You must decline in writing if desired .
Alternatives to Insurance in Pennsylvania
The one alternate option available is self-insuring. To do so, you need to first show proof of fiscal province to the Department of Transportation and then submit a deposit. This can be in the form of cash, a bond, a letter of citation or an escrow deposition and the come required will vary .
How Much Coverage Do You Need in Pennsylvania?
The coverage sum needed depends on the car you ‘re driving and how much you can afford. If you get a new car loanword or lease a vehicle, you will likely have to buy collision and comprehensive examination indemnity to protect your car. The express ’ second minimal requirements for liability policy wo n’t cover all of the damages in a catastrophic accident. The Insurance Information Institute recommends at least $ 100,000 liability coverage per injury and $ 300,000 per accident. Uninsured motorist insurance is besides a chic purchase if you can afford it.
Cheapest Car Insurance in Pennsylvania by City
car policy costs in Pennsylvania vary significantly based on your location in the state. For the average driver, Pittsburgh ‘s full-coverage annual cable car indemnity rate of $ 973 is the lowest in the submit. Allentown features the most expensive median annual indemnity quote at $ 1,054. Click on your sphere for extra data on the price of local car indemnity .
Average Insurance Rate by City in Pennsylvania
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- City per annum monthly
- 1 .Allentown $ 1,054 $ 88
- 2 .Philadelphia $ 2,134 $ 178
- 3 .Pittsburgh $ 973 $ 81
FAQs About Car Insurance in Pennsylvania
For many Pennsylvania drivers, the chief concerns when it comes to car policy are the cost of premiums and the level of coverage .
Based on average rates, USAA and GEICO have the brassy cable car insurance in Pennsylvania for minimum coverage .
The average driver in Pennsylvania with a houseclean repel record typically pays an average of $ 1,818 per year. The average cost of car policy in the country is approximately $ 152 per calendar month .
The best way to keep your car indemnity rates low in Pennsylvania is to maintain a clean drive record and improve your credit history .
MoneyGeek ’ s research found that Travelers ranked as the best car insurance supplier in Pennsylvania.
Expert Advice on Finding Cheap Car Insurance in Pennsylvania
To help you find trustworthy and accurate insight on car indemnity in Pennsylvania, MoneyGeek gathered technical advice from established professionals. The views and sentiments expressed are those of the person subscriber .
- What are the key factors drivers in Pennsylvania should look for when searching for the best car policy coverage ?
- What steps can drivers in Pennsylvania take to find low-cost car indemnity ?
- How perform regulations and rules in Pennsylvania shock policy price and how consumers might shop for coverage ?
Archish Maharaja Professor of Business and Director of Graduate Programs at Point Park University
Gary Sullivan Assistant Professor of the F. W. Hirt Erie Insurance Risk Management Program at Mercyhurst University Loading … About the author
Danielle is a professional journalist with fifteen years of have covering current events from the 2008 fiscal crisis to the COVID-19 global economic receding. As a early television receiver news producer, she focuses on sharing relevant and actual stories that stimulate personal growth and cognition. Danielle graduated from the acclaim University of Missouri School of Journalism with a focus in Broadcast Journalism. With six out-of-state moves and three home purchases under her belt, she has first-hand experience navigating state regulations, insurance and real estate. She presently lives in Colorado with her conserve and a greyhound named Oreo .