Car Insurance Quotes In Pennsylvania- gives Pennsylvania drivers an avenue to find the best car insurance company. Are you a driver living in Pennsylvania, but don’t know the best Insurance Quotes, both as a young/older driver?
This post will unveil not only the cheaper auto insurance quotes but also the best auto insurance quotes. So, I encourage you to read to the end.
Car Insurance Quotes In Pennsylvania
Searching for auto insurance quotes in Pennsylvania? Before going into that, below are the top car insurance companies in Pennsylvania;
Note: The USAA is only available to current and former military members and their families.
Cheapest Car Insurance Quotes in Pennsylvania for Minimum Liability
State Farm is the most affordable car insurance quote in Pennsylvania, for minimum liability car insurance — $336 yearly, which is 32% below the state average. However, the average cost of minimum liability auto insurance in Pennsylvania(Pa) is $497 yearly, or $41 each month.
Further, minimum liability auto insurance is the lowest level of coverage drivers can buy, this makes it the most affordable form of insurance. Also, the minimum liability policy in PA covers injuries to the other driver and damage to their property, along with a small amount of coverage for your own injuries.
Moreover, if you have a minimum-coverage policy and are in an at-fault accident where damages or injuries exceed your limits, you’ll be required to pay for excess damages yourself. Take note; Minimum liability insurance doesn’t cover damage to your own vehicle. So it’s better to go for full coverage Insurance.
Cheapest full coverage Car Insurance in Pennsylvania: State Farm
State Farm Insurance company also has the most affordable quotes for full-coverage insurance in Pa. It has a rate of $1,052 yearly. State Farm’s rates are cheaper than the state average of $1,586 yearly.
However, the full coverage car insurance includes
- Collision coverage
- Comprehensive coverage
- The minimum liability coverages.
Collision coverage covers any damage to your car in an accident, regardless of who is at fault. While, comprehensive coverage covers damage to your vehicle in situations that are out of your control, such as a hailstorm or a fire in your garage.
Best Car Insurance Quotes for PA drivers with prior incidents
Drivers with accidents, speeding tickets, and DUIs pay more for insurance than drivers with clean records. This is because insurers view these incidents as a sign you’re a higher-risk driver. However, your credit score also impacts your insurance rates because drivers with a low credit score tend to file more claims.
Cheapest Car Insurance after a speeding ticket: State Farm
State Farm auto insurance company provides the best rates for Pennsylvania drivers who have received a citation for speeding, for a full-coverage policy. However, in Pa, drivers with a recent speeding ticket pay 14% more on average than drivers with a clean record.
Car Insurance Quotes After an Accident
State Farm Insurance company offers the cheapest insurance. If you’re a Pa driver who has recently gotten into an at-fault accident, State Farm is your best bet for affordable coverage. On average, you can expect rates to increase 47% after an at-fault accident.
Cheapest Car Insurance for drivers with poor credit
Nationwide Insurance: Nationwide insurance has the best rates for Pennsylvania drivers with a low credit score. The company rates are 21% cheaper than the state average. Also, Insurers charge Pennsylvanians with poor credit 52% more for full-coverage auto insurance than those with average credit.
Best Pennsylvania Car Insurance for Married Drivers
State Farm Car Insurance offers the cheapest auto insurance for married drivers in Pennsylvania. It is despite the fact that married drivers pay the same for car insurance as unmarried drivers with State Farm. The progressive car insurance company gives married drivers the biggest discount (25%).
So, In Pennsylvania(PA), married drivers pay 8% less for auto insurance than unmarried drivers, on average. On the basis that married drivers statistically get into fewer accidents, which makes them less risky for insurers to cover.
Cheapest Car Insurance for young drivers in Pennsylvania
Erie is the best car insurance for young people in PA, looking for affordable coverage. A minimum-coverage policy from Erie is 52% cheaper than the state average. However, the average cost of minimum-coverage auto insurance for an 18-year-old driver in Pennsylvania per year is more than three times the cost for a 30-year-old driver.
Also, Erie Insurance offers the best rates for full coverage. Full-coverage insurance is good for young drivers. Because they are more likely to be in an accident, so they will benefit from the added security of collision and comprehensive coverage.
Best Car Insurance Quotes for young drivers after a ticket
Erie auto insurance has the most affordable car insurance for young drivers with a recent speeding ticket. Its average annual rate for minimum coverage is which is 48% cheaper than the state average.
Furthermore, if you’re a young Pennsylvania driver caught speeding, your rates will go up by 10%, on average, depending on the company.
Moreover, Allstate and Progressive do not charge young drivers more after a single speeding ticket, while the cost of a minimum-coverage policy with GEICO increases by 29%.
Best Car Insurance for Teen Drivers After an Accident
Erie Auto Insurance company has the best car insurance quotes for young drivers who have been in an at-fault accident. Minimum-coverage insurance from Erie costs the same rate that drivers with a speeding ticket pay —which is below 54% below the state average.
However, Erie increases rates after an accident more than other insurers ( 21%). Drivers with Progressive Insurance see the smallest price increase, 14%, and those with a GEICO policy can expect rates to go up by 60%.
Is Car Insurance expensive in Pennsylvania?
Car insurance quotes in Pa are not that expensive compared to the rest of the country. It ranks as the 13th cheapest state for a minimum coverage policy. One reason it is cheap in Pa is that it has a low percentage of uninsured drivers
Car Insurance Companies in Pennsylvania- Which is the Best Among All?
Based on the above analysis, Erie is the best insurer in Pennsylvania. This is because it has a strong financial stability score and satisfaction with customer service and claims processing.
State Farm, GEICO, and USAA car insurance are good alternatives to consider. These companies rank highly for customer service and financial stability, and they offer affordable rates for Pennsylvania drivers.
If you’re a military personnel or veteran, the best car insurance to consider is USAA Insurance or GEICO military insurance.
Which Insurer Has the Cheapest Car Insurance in Pennsylvania?
When it comes to the most affordable, State Farm offers the cheapest car insurance in Pennsylvania, at $28 each month for a minimum-coverage policy and $88 monthly for a full-coverage policy.
Who has the best-rated car insurance Quotes in Pennsylvania?
Erie has the best-rated car insurance in Pa.