Cheapest Car Insurance In Pennsylvania For 2024

Erie offers competitive rates and reliable service, providing coverage from basic to comprehensive. This makes Erie our top pick for car insurance in Pennsylvania.

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Written by Bob Phillips
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In Pennsylvania, finding inexpensive car insurance can be challenging, but there are viable options.

With the cost of living rising and numerous choices available, it’s crucial to secure car insurance that suits your budget and needs. Whether you’re a new driver, a daily commuter, or a family trying to save on insurance expenses, understanding what affects your premiums and where to find the best deals is vital. Drawing from over ten years of research on car insurance policies, I’ve compiled insights to help you navigate this complex market.

Cheapest Car Insurance Companies In Pennsylvania

Cheapest Car Insurance In Pennsylvania For Seniors

Nationwide presents budget-friendly insurance policies specifically designed for older people in Pennsylvania, with rates starting at roughly $52 monthly on average.

Provider Average Monthly Cost Average Annual Cost

GEICO

$122

$1,462

Erie

$75

$898

Allstate

$79

$946

State Farm

$100

$1,198

Nationwide

$52

$622

Senior citizens might qualify for reduced car insurance rates because they’re typically regarded as experienced and cautious drivers, decreasing the likelihood of accidents. Furthermore, as many seniors drive less often, their risk of accidents and insurance claims is diminished.

Some insurance providers offer specific discounts for older drivers, considering factors like age, driving behavior, and participation in safety programs designed for seniors. Many insurers promote defensive driving courses among seniors by offering discounts upon completion, aiming to enhance driving skills and encourage safer driving practices among older individuals.

Cheapest Car Insurance In Pennsylvania For Good Drivers

The cost of car insurance in Pennsylvania varies based on factors such as your driving record, age, and preferred coverage. Generally, if you have a clean driving record without any accidents, you’re more likely to qualify for lower rates because you’re perceived as a lower risk by insurance companies.

Moreover, if you’ve consistently maintained a good driving history, you may be eligible for further discounts. It’s advisable for safe drivers to compare quotes from different insurance providers to find the most suitable coverage at the best price.

Provider Average Monthly Cost Average Annual Cost

State Farm

$45

$538

Erie

$30

$358

GEICO

$60

$718

Progressive

$54

$646

Allstate

$90

$1,078

Cheapest Car Insurance In Pennsylvania For Drivers With Poor Credit

Nationwide presents the most economical car insurance for Pennsylvania drivers with poor credit, beginning at roughly $90 per month.

Provider Average Monthly Cost Average Annual Cost
Erie

$172

$2,062

Chubb

$182

$2,182

Travelers

$150

$1,798

American National

$135

$1,618

Nationwide

$90

$1,078

Your car insurance expenses heavily depend on your credit score, which helps car insurance companies assess the risk you present. A lower credit score implies a higher likelihood of filing claims, which makes you a riskier investment for insurers.

In Pennsylvania, drivers with poor credit may face higher insurance premiums than those with good credit. Insurers frequently consider credit history when determining rates due to evidence showing a relationship between credit score and the probability of claims. People with poor credit may encounter challenges in finding affordable insurance, but they can investigate discounts and obtain quotes from different insurers to find more favorable rates.

 

Cheapest Car Insurance In Pennsylvania For Young Drivers

In Pennsylvania, car insurance costs are usually lower for young adults than for teenagers. This is because as individuals mature, they tend to drive more responsibly, resulting in fewer accidents and lower insurance premiums. Insurance companies take this into account and offer discounted rates to young adults who demonstrate safe driving habits.

Cheapest Pennsylvania Car Insurance For 16-Year-Olds

Teens who just hit 16 can find decent insurance rates at Travelers, around $192 per month.

Provider Average Monthly Cost Average Annual Cost
Erie $410 $4,918
State Farm $480 $5,758
GEICO $485 $5,818
Travelers $192 $2,302
Nationwide $360 $4,318

Cheapest Pennsylvania Car Insurance For 17-Year-Olds

If you’re a 17-year-old driver, Travelers offers insurance coverage at an average cost of $246.

Provider Average Monthly Cost Average Annual Cost
State Farm $310 $3,718
GEICO $325 $3,898
USAA $348 $4,174
Travelers $246 $2,950
Erie $272 $3,262

Cheapest Pennsylvania Car Insurance For 18-Year-Olds

Travelers gives 18-year-olds access to insurance plans at competitive rates, averaging about $216 each month.

Provider Average Monthly Cost Average Annual Cost
USAA $262 $3,142
State Farm $282 $3,382
GEICO $292 $3,502
Travelers $216 $2,590
Erie $250 $2,998

Cheapest Pennsylvania Car Insurance For 21-Year-Olds

At Travelers, 21-year-olds can find the most affordable rates, with an average monthly cost of $154.

Provider Average Monthly Cost Average Annual Cost
Erie $165 $1,978
State Farm $194 $2,326
USAA $192 $2,302
Nationwide $156 $1,870
Travelers $154 $1,846

Cheapest Car Insurance In Pennsylvania For Minimum Coverage

Erie is well-regarded in Pennsylvania for its low-cost car insurance, with typical monthly rates starting at $30, making it an attractive option for drivers on a budget.

Provider Average Monthly Cost Average Annual Cost

State Farm

$45

$538

Erie

$30

$358

GEICO

$60

$718

Progressive

$54

$646

Allstate

$90

$1,078

Pennsylvania drivers are obligated to carry a specific level of car insurance to legally operate their vehicles. This standard coverage typically encompasses liability insurance, which includes two main components: bodily injury liability and property damage liability.

Bodily injury liability coverage aids in covering medical expenses, rehabilitation costs, and potential legal fees if you cause an accident that injures someone else. Property damage liability coverage, on the other hand, assists with the costs of repairing or replacing another person’s vehicle or property if the accident is your fault.

The minimum coverage requirements in Pennsylvania are set by state law and can vary based on factors such as your vehicle type and driving history. It’s crucial to carefully examine these requirements and ensure you possess adequate coverage to fulfill legal standards and protect yourself financially in case of an accident.

Cheapest Car Insurance In Pennsylvania For Full Coverage

Nationwide provides the cheapest premiums for comprehensive car insurance in Pennsylvania, starting from roughly $50 per month on average.

Provider Average Monthly Cost Average Annual Cost

Chubb

$114

$1,366

Westfield

$87

$1,042

Allstate

$90

$1,078

Nationwide

$50

$598

State Farm

$110

$1,318

Full coverage auto insurance in Pennsylvania ensures comprehensive protection for drivers and their vehicles. Alongside mandatory liability coverage, it encompasses collision and comprehensive insurance.

Collision coverage takes care of repair expenses for your vehicle after an accident, irrespective of fault. Conversely, comprehensive coverage deals with damages caused by theft, vandalism, fire, or natural disasters. This type of car insurance offers peace of mind by providing broad financial protection for various scenarios, covering both your vehicle and others involved in an accident.

It’s essential to meticulously review your policy to understand coverage limits and deductibles for sufficient protection.

Cheapest Car Insurance In Pennsylvania For Drivers With Prior Incidents

Pennsylvanians who have been in accidents, received speeding tickets, or had DUIs often face difficulties obtaining affordable car insurance. These incidents mark them as high-risk drivers to insurance companies, heightening the chances of future claims. This problem is exacerbated in Pennsylvania due to the higher incidence of traffic accidents. Insurers use data to establish premiums, acknowledging a relationship between past driving issues and the likelihood of future claims.

Cheapest Car Insurance In Pennsylvania After A Speeding Ticket

For drivers with speeding tickets aiming for a cost-effective insurance solution, Erie provides coverage at an average of $120, making it a top choice.

Provider Average Monthly Cost Average Annual Cost
Progressive $194 $2,326
State Farm $130 $1,558
Erie $120 $1,438
Allstate $210 $2,518
Nationwide $190 $2,278

Cheapest Car Insurance In Pennsylvania After An At-Fault Accident

At a cost of about $125, Erie’s insurance emerges as the go-to option for drivers with accident history they’re accountable for. It’s the most budget-conscious selection for them.

Provider Average Monthly Cost Average Annual Cost
Nationwide $290 $3,478
Allstate $204 $2,446
GEICO $400 $4,798
Erie $125 $1,498
Progressive $200 $2,398

Cheapest Car Insurance In Pennsylvania For Drivers After A DUI

If you’ve got a DUI, The Hartford offers car insurance at an average price of $150, making it the most cost-effective option.

Provider Average Monthly Cost Average Annual Cost
The Hartford $150 $1,798
GEICO $370 $4,438
Progressive $250 $2,998
Nationwide $200 $2,398
State Farm $290 $3,478
 

Average Cost Of Auto Insurance In Pennsylvania – By Age

Age Average Monthly Cost Average Annual Cost
16 $539 $6,466
17 $426 $5,110
18 $375 $4,498
19 $311 $3,730
21 $237 $2,842
25 $200 $2,398
35 $167 $2,002
45 $159 $1,906
55 $146 $1,750
65 $142 $1,702
75 $176 $2,110

Average Cost Of Car Insurance In Pennsylvania – By Gender & Marital Status

Gender Marital Status Average Annual Cost
Female Single $1,890
Male Single $1,918
Female Married $1,598
Male Married $1,630

Average Cost Of Auto Insurance In Pennsylvania – By Credit Tier

Credit Tier Average Monthly Cost Average Annual Cost
Excellent $140 $1,678
Good $155 $1,858
Poor $170 $2,038

Cheapest Car Insurance In Pennsylvania By City

City Average Monthly Cost Average Annual Cost
New Castle $98 $1,174
Reading $120 $1,438
Johnstown $90 $1,078
Easton $110 $1,318
York $109 $1,306

Minimum Car Insurance Requirements In Pennsylvania

When driving in Pennsylvania, you need specific car insurance. It covers injuries and property damage in accidents. The standard is $15,000 for each person’s injury, $30,000 total for injuries in one accident, and $5,000 for property damage in one accident.

Pennsylvania also requires Personal Injury Protection (PIP). This helps with medical bills and lost wages after an accident, regardless of fault. It’s a financial safeguard.

Alternatively, you can choose “Health Insurance Primary” (HIP). This means your health insurance pays for accident-related medical costs first, instead of PIP. But not all health plans qualify for HIP, so check with your provider.

Car Insurance Discounts In Pennsylvania

When shopping for car insurance, it’s a smart move to look for companies that offer customized discounts based on your individual circumstances. Having a conversation with your insurance agent can help you uncover potential discounts you may not be utilizing. Most major car insurance companies typically offer these kinds of discounts:

  • Safe Driver Discount: If you have a clean driving record with no accidents or traffic violations, you could qualify for this discount.
  • Multi-Vehicle Discount: Insuring multiple vehicles under one policy often results in a discount, which can save you money compared to insuring each vehicle separately.
  • Bundling Discount: Many companies offer discounts to customers who bundle their car insurance with other policies like home or renters insurance.
  • Good Student Discount: Students who maintain good grades might be eligible for discounts on their car insurance.
  • Defensive Driving Course Discount: Completing a defensive driving course can make drivers eligible for discounts on their premiums. These courses teach skills that help drivers avoid accidents and reduce risks on the road.
 

Our Methodology

My investigation involved gathering and examining information on different auto insurance companies and their offerings in a systematic manner. Initially, I identified key factors to evaluate, including types of coverage, pricing specifics, customer satisfaction levels, and the financial reliability of insurers. Next, I collected data from reliable sources such as insurance company websites, consumer review platforms, and industry analyses.

After compiling all the data, I organized it and evaluated each insurance provider based on defined criteria, comparing coverage choices, pricing structures, available discounts, and customer feedback to assess the strengths and weaknesses of each company.

95

Quotes Analyzed

15+

Years Of Industry Experience

31

Brands Reviewed

35+

Research Hours

FAQs

How much is car insurance a month in Pennsylvania?

Each month, car insurance rates in Pennsylvania may vary, influenced by factors such as the driver’s age, driving record, and chosen coverage options.

What is the minimum car insurance one must have in Pennsylvania?

In Pennsylvania, all car insurance policies must contain liability coverage for bodily injury and property damage, in addition to mandatory Personal Injury Protection (PIP) coverage.

Which insurance is better in Pennsylvania?

Selecting the finest insurance provider in Pennsylvania relies on personal preferences, driving habits, and insurance necessities. It’s recommended to request quotes from multiple insurers to find the suitable option for your specific situation.

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