Available cheapest car insurance in PA

Sep 16 17:18 2021 Auto Insurance in Usa Print This Article

Find the cheapest car insurance in PA

As many drivers will attest,Guest Posting annual increases in vehicle insurance prices are routine. However, auto insurance pricing is complicated: the rate increases or decreases are numerous and vary according to the driver's location. 

Location is a significant rating element that insurance companies use when setting premiums. Auto insurance rates are affected by the state, city, and ZIP code in which a vehicle is parked and used. This is due to state rules and the varying degrees of risk associated with insuring cars in various parts. 

Because a variety of factors determines vehicle insurance pricing, annual price trends differ by state. Car insurance prices may be increasing year over year in one state but decreasing for drivers in another. 

Individual characteristics such as age, driving record, credit score, and location influence car insurance costs. Getting tailored estimates regularly is a terrific method to obtain the best Pennsylvania car insurance. Our rankings can assist you in locating low-cost quotes and appropriate coverage options.  

Comparing auto insurance prices from some of Pennsylvania's top-rated carriers might save you up to $1770. 

The average cost of car insurance in PA 

In Pennsylvania, annual premium rates were determined using the cost of comprehensive and collision coverage for an average driver, a 36-year-old male driving a medium-range car without a history of accidents or speeding fines. Numerous factors, including age, driving history, coverage level, and region, affect the actual cost and may result in your auto insurance rate being higher or cheaper than the state average. 

  • Average Driver: $1827 
  • DUI: $3210 
  • Speeding Ticket: $2151 
  • Poor Credit Score: $3312 
  • Seniors: $1890 
  • Students: $4380 

In Pennsylvania, the following are the state's minimum insurance requirements: 

Insurance against liability 

Injury to the body: $15,000 per person 

$30,000 per accident for bodily harm 

$5,000 for property damage per accident 

$5,000 per person for first-party medical benefits - Full or Limited Tort 

Insurance coverage options available in Pennsylvania (may vary by carrier): 

  • Benefits for accidental death  
  • Extraordinary medical benefits 
  • Benefit for Funeral Expenses 
  • Benefit for Income Loss Combined First Party Benefit 
  • Comprehensive and Collision coverage 
  • Repayment of loans/leases 
  • Reimbursement for rental cars 
  • Roadside Assistance 
  • Bodily Injury Caused by an Uninsured/Underinsured Motorist 

Text messaging is prohibited for all drivers. 

In Pennsylvania, the lookback period for DUI crimes is ten years.  

Multiple violations throughout this period will result in increased fines. 

In Pennsylvania, first-time DUI convictions are classified as ungraded misdemeanors and carry the following penalties: 

  • Fines of $300 
  • Probation period of up to six months 
  • Required alcohol highway safety school. Treatment that is required 

Cheapest minimum liability car insurance companies in PA 

The most cost-effective auto insurance option in Pennsylvania is to purchase a liability-only coverage policy that merely meets the state's minimum car insurance requirements. The most affordable auto insurance rates in Pennsylvania for minimum coverage, according to our research, are from: 

USAA - $381 per year(only available to current and former military members) 

GEICO - $552 per year 

MetLife has the most expensive annual average rate at $1722. 

Car insurance companies in PA  Annual premium  Erie  $579  GEICO  $552  State Farm  $663  Travelers  $831  USAA  $381 

 

These are simply averages, and they should only be used as a guide when comparing car insurance rates in Pennsylvania. These are estimates based on average Pennsylvania driver rates and should not be used to compare insurance rates. 

Cheapest full coverage car insurance companies in PA 

Drivers in Pennsylvania with a full coverage policy with more significant liability limits and comprehensive and collision coverage are protected against road and off-road accidents.  

While this policy is more expensive than minimum coverage, it protects you if your car is damaged in an accident. Comparing tailored quotes is the most effective technique to find the right policy. 

According to typical prices for Pennsylvania drivers with full coverage, the following providers offer the best value: 

USAA: $996 annually (only available to military members) 

Erie: $1332 annually 

MetLife's average annual premium for a full coverage policy is $2763, making it the most expensive alternative. 

Car insurance companies in PA  Annual premium  USAA  $996  Erie  $1332  Travelers  $1338  GEICO  $1350  State Farm  $1377 

 

Car insurance premiums are determined individually, which means that your premium will differ from the examples supplied. These rates are based on a comprehensive and collision insurance coverage that covers a motorist for bodily injury and property damage up to $100,000 per person, $300,000 per accident, and $100,000 for property damage per accident. 

The best cheapest car insurance companies in PA 

After computing the final scores for Pennsylvania's car insurance providers, we determined that the best insurers for the majority of drivers are: 

  • Top preferred car insurance company: New Jersey Manufacturers 
  • Second most preferred car insurance company: GEICO 

USAA earned the top rating in Pennsylvania, according to our grading system. Since USAA is exclusively available to military personnel, veterans, and their families, it is not recognized as the best overall. 

To determine the best auto insurance in Pennsylvania, we analyzed various characteristics, including price, customer happiness, claims experience, and financial strength. 

We used J.D. Power's U.S. Auto Insurance Study and AM Best's financial strength ratings, as well as pricing data and industry standards for insurance business assessment and review, to generate the final results. 

Bottomline: 

In the state of Pennsylvania, auto insurance is compulsory by law. Pennsylvania is a no-fault state for car insurance. All drivers in Pennsylvania must carry first-party medical coverage, which covers you and your passengers regardless of fault. Additionally, Pennsylvania offers optional Tort coverage. This coverage establishes your right to sue another driver for bodily injury and pain and suffering. This coverage is available in two levels: limited or comprehensive. If you have limited tort coverage, you will have few legal alternatives following an occurrence. 

Erie ($405 for a six-month policy), Travelers ($492), and Auto-Owners ($498) all provide the lowest rates in Pennsylvania for full coverage insurance. 

Pennsylvania's minimum coverage is slightly more expensive than in other states. Drivers must possess bodily and property damage limits of $15K/$30K/$5K, a minimum of $5,000 in first-party medical coverage, and full or limited tort coverage. 

Pennsylvania auto insurance costs, on average, $310 for a six-month liability-only policy and $714 for a comprehensive policy. 

Pennsylvania has a ten-year lookback period for DUIs. Three to five years for other offenses and citations, such as at-fault collisions. 

Car insurance providers determine your rate depending on a variety of factors, one of which is the auto's location. Lebanon, Pennsylvania, has the cheapest auto insurance, while Philadelphia, Pennsylvania, is costly. 

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