Are you looking for cheap car insurance in Pennsylvania? Tired of looking at an endless stream of results for the query ‘cheap car insurance online’? Did someone tell you that cheap auto insurance is a myth in Pennsylvania? Are you tired of looking for cheap car insurance quotes in Pennsylvania?
Let us first get on to the basics of car insurance in Pennsylvania.
Highways intersect Pennsylvania’s rolling hills, ridges, and plateaus. Moving from the countryside to the city can make you forget about the state’s rich history and heritage as the home of the Liberty Bell and other significant national monuments. A sense of “brotherly love” engulfs as the roads are car-clogged in the most heavily trafficked areas of Pennsylvania.
In Pennsylvania, the average annual cost of auto insurance is $438 for minimum coverage and $1485 for complete coverage, which covers liability, accident, and comprehensive coverage. If you intend to finance or lease a vehicle, your lender would almost certainly require you to purchase more costly full coverage.
Compared to other states, where average premiums can be more than twice as high, Pennsylvania adolescents pay a fair $363 per month for auto insurance. When they gain more driving experience, people in their 20s reduce their monthly rates by over $100.
Are you in your thirties, forties, or fifties? Compared to the average monthly cost for Pennsylvania drivers, you’ll save at least $21 a month. The best offers go to drivers who are nearing retirement and beyond. They drive less often and for fewer miles as a group, and their prices reflect this.
Fortunately, there are options to lower the auto insurance rates and beat the national average.
Pennsylvania’s car insurance rates of $438 for minimum coverage and $1485 for full coverage are lower than the national average of $573 for basic coverage and $1683 for complete coverage. Auto insurance can be inexpensive because of a state’s insurance requirements (or not). Other variables that can influence your premiums include the car insurance companies, ZIP code, age, and driving record.
When searching for the best car insurance rates in Pennsylvania, it’s essential to consider all of your expenditures to get an accurate picture of your overall living costs.
Best car insurance companies in Pennsylvania
Compare online quotes from the best insurance companies to find the cheapest auto insurance in Pennsylvania. The following are the results of our research, which are focused on annual premiums for minimum and maximum coverage:
Allstate: $540 (minimum coverage); $1347 (full coverage)
Auto-Owners: $288 (minimum coverage); $1110 (full coverage)
Erie: $303 (minimum coverage); $1089 (full coverage)
GEICO: $279 (minimum coverage); $966 (full coverage)
MetLife: $810 (minimum coverage); $2424 (full coverage)
Nationwide: $249 (minimum coverage); $1068 (full coverage)
Progressive: $444 (minimum coverage); $1287 (full coverage)
State Farm: $309 (minimum coverage); $1158 (full coverage)
USAA: $297 (minimum coverage); $1131 (full coverage)
Tips to get cheap car insurance quotes in Pennsylvania
It’s no secret that the cheapest car insurance premiums go to the safe drivers. The longer you go without an accident or a driving violation, the higher your auto insurance discount will be. Avoiding accidents and tickets is one of the easiest ways to save money on car insurance in Pennsylvania:
- Accident forgiveness: Some insurance policies can allow you to get one accident removed from your record, saving you money on premiums.
- Telematics: You can participate in a safe-driving program with certain carriers. You’ll need to register for the program and download a mobile app that monitors your driving habits. If you drive safely, you might be eligible for auto insurance discounts.
- Defensive driving courses: Several insurance companies offer a list of licensed online defensive driving courses that you can complete over the weekend. If you complete the courses, your driving skills will increase, and your insurance premiums will usually decrease.
While eastern Pennsylvania continues to outnumber western Pennsylvania in terms of population, the state continues to expand. That means that, regardless of which half of the country you call home, the streets will soon become a little more congested, and car insurance will become more critical if you want to prevent accidents or other mishaps.
Minimum car insurance requirements in Pennsylvania
All vehicle owners in Pennsylvania are required by state law to have auto insurance or face a $300 fine and revocation of their license and registration. The state mandates that you have liability insurance that includes:
$15000 per person for personal harm and $30000 per accident to cover accidents and damages you cause to others. Each accident causes $5000 in property damage.
Regardless of who was at fault, you will receive $5,000 in personal injury insurance (PIP) for your medical expenses. The state’s minimum coverage requirements might not be sufficient. If you cause $12000 in harm in an accident but only have $6000 in property damage compensation, you will be responsible for the $6000 difference.
Furthermore, if your vehicle is damaged, liability insurance would not cover the cost of repairs, leaving you to foot the bill for the entire repair and all associated costs.
A short recap of how much car insurance is in Pennsylvania per month:
In Pennsylvania, the average cost of auto insurance is $438 for basic coverage and $1485 for complete coverage. To drive legally in Pennsylvania, you’ll need 15/30/5 liability insurance and $5,000 in personal injury protection. However, the state’s minimums might not be sufficient, mainly if you drive a vehicle that you can’t afford to lose. As a result, comprehensive car insurance, which covers your vehicle in addition to third-party liability insurance, could be a wise option.
Comprehensive auto insurance is the best choice whether you plan on financing or leasing your car or if you have a newer, higher-value model. Your car would not be reimbursed if you only have minimum liability coverage. Comprehensive and collision insurance was added to full coverage to cover damages or injuries caused by burglary, explosions, floods, accidents, and other events.
GEICO, Nationwide, and Auto-Owners are some of the cheapest automobile insurance providers in Pennsylvania. However, the premiums can be affected by a variety of factors. To find the best deals, get quotes from many car insurance companies.
Numerous variables influence how much your car insurance costs. Suppose you live in a state with minimum car insurance requirements being a young or new driver. In that case, committing prior traffic violations such as at-fault collisions or DUIs, and having a poor credit score are all reasons why you might be paying too much for your insurance.
Depending on the county in Pennsylvania, auto insurance premiums can vary between areas and insurance carriers.
Comparing quotes from many car insurance companies in your region is the easiest way to find the best car insurance companies with the best service. You can save money on your insurance premiums. Compare more than three quotes for your driver profile using the car insurance quotes comparison tool to find savings and discounts. Rates vary widely depending on whether you’re a safe or high-risk driver, but you can never overpay.