Cheapest Low-Income Car Insurance In Pennsylvania 2024

Based on my research findings, State Farm is the most affordable car insurance provider in Pennsylvania for low-income drivers.

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Written by Bob Phillips
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Families earning 50% or less of the area’s median income often struggle the most to find affordable options.

Even for Pennsylvania  residents with limited income, there are options for finding cheap car insurance that adheres to state regulations for driving.

After 15 years in the insurance field and over 35 years purchasing car insurance, I have firsthand knowledge of all the reviewed insurance companies and their strengths in serving drivers in Pennsylvania .

Cheapest Low-Income Car Insurance In Pennsylvania, 2024

Cheapest Low-Income Car Insurance, Pennsylvania 2024

Compare Low-Income Car Insurance Companies In Pennsylvania

Overall Rating Best Suited For A.M. Best Rating J.D. Power Rating Average Monthly Cost* Get A Quote
State Farm
4.9

Cheapest Overall

A++

838

$72

Instant Quote
GEICO
4.7

Poor Credit

A++

801

$212

Instant Quote
Nationwide
4.6

Seniors

A+

NR

$88

Instant Quote
Scroll to see comparisons

Cheapest Low-Income Car Insurance Companies In Pennsylvania


Cheapest Overall

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer reviews
9/10 Claim payouts
10/10 Coverage level

Why We Like Them

With fierce competition in Pennsylvania ‘s car insurance sector, State Farm stands out as the most economical choice.

After conducting detailed research and examining Pennsylvania car insurance rates, we determined that State Farm offers affordable full-coverage plans, with rates beginning at $94 per month.

This is a major plus for drivers who prioritize affordability but still want comprehensive protection.

State Farm’s appeal goes beyond affordability; it consistently earns high ratings as one of the best car insurance companies overall. The company is lauded for its diverse discounts and coverage solutions that address different needs.

State Farm’s strength in Pennsylvania ‘s car insurance sector comes from its ability to offer affordability, flexibility, and comprehensive coverage, making it a preferred option for drivers seeking value alongside quality.

Ensuring you have affordable car insurance in Pennsylvania is crucial. It means you can drive without the financial worry of potential damages or liabilities. Given the high accident rate on Pennsylvania ‘s busy roads, cost-effective insurance is even more important.

It’s essential to recognize that affordable insurance can still provide quality coverage. By carefully comparing options and making informed decisions, you can secure comprehensive insurance that meets your budget and needs without undue financial strain.

Benefits & Drawbacks

Benefits
  • Cheapest rates for most drivers in Pennsylvania
  • Numerous coverage options and discounts available
  • Superior AM Best financial strength rating
Drawbacks
  • Must buy from a State Farm Agent

Cheapest Low-Income Car Insurance In Pennsylvania

Insurance company Monthly Rate
State Farm $89
USAA $128
GEICO $135
Travelers $158
Erie $196

Best for Poor Credit

Overall Rating
4.7

Key Statistics

9/10 Affordability
8/10 Customer reviews
9/10 Claim payouts
8/10 Coverage level

Why We Like Them

For Pennsylvania drivers with poor credit, GEICO is the best and cheapest car insurance company. Multiple reports and studies consistently highlight GEICO as the most affordable choice for those with less-than-ideal credit.

GEICO’s low prices do not compromise on quality or service. The company is praised for its wide range of coverage options and exceptional customer service, providing robust protection for all drivers, including those with poor credit, making it a reliable option in Pennsylvania.

Additionally, GEICO acknowledges that a low credit score doesn’t mean a driver is necessarily high-risk. Unlike some insurers that hike rates for poor credit, GEICO evaluates other factors such as driving record and vehicle type.

With this detailed analysis, GEICO offers competitive rates to drivers with poor credit, making it a favored option for many Pennsylvania drivers.

Having a low income tends to coincide with having a poor credit score, resulting in some insurers charging double the rates for drivers with poor credit compared to those with excellent credit.

To keep premiums affordable, drivers with poor credit should search for insurers offering discounts and avoid accumulating moving violations.

Benefits & Drawbacks

Benefits
  • Best rates for most drivers in Pennsylvania with poor credit
  • Extensive coverage options and discounts available
  • Strong AM Best financial strength rating
Drawbacks
  • Digital tools provided, though less comprehensive than some competitors
  • Fewer GEICO agents in Pennsylvania than larger competitors

Cheapest Low-Income Car Insurance In Pennsylvania For Poor Credit

Insurance company Monthly Rate
GEICO $164
State Farm $240
Erie $254
USAA $282
Travelers $354

Cheapest for Seniors

Overall Rating
4.6

Key Statistics

9/10 Affordability
8/10 Customer reviews
8/10 Claim payouts
9/10 Coverage level

Why We Like Them

When it comes to car insurance for seniors in Pennsylvania, Nationwide stands out as the most affordable and best option, supported by both industry studies and customer reviews.

For budget-conscious seniors, Nationwide’s competitively priced policies tailored for senior drivers make it the ideal choice for comprehensive coverage.

As drivers age, they might see an increase in their car insurance premiums because insurance companies often consider them to be higher risk, much like they do with young drivers.

The perceived risk is heightened by slower reaction times, potential health conditions affecting driving, and an increased likelihood of serious injuries in the event of an accident.

The Insurance Institute for Highway Safety (IIHS) study finds that fatal crash rates significantly rise starting at age 70, with the highest rates occurring among drivers 85 and older.

Consequently, seniors could face increased premiums to offset the potential cost of future claims.

Senior drivers can often take advantage of discounts from many insurance companies, making comprehensive coverage more affordable.

Benefits & Drawbacks

Benefits
  • Auto, homeowners, life, and other insurance products available
  • High financial strength ratings
  • Comprehensive mobile app for digital policy management
Drawbacks
  • Can only buy from Nationwide agents
  • Not rated by J.D. Power for customer service

Cheapest Low-Income Car Insurance Rates For Seniors

Insurance company Monthly Rate
Nationwide $68
State Farm $94
Erie $99
GEICO $144
USAA $152

Drivers in Pennsylvania are required by law to have car insurance to cover costs from accidents. The minimum coverage policy must include at least:

  • 15,000 for bodily injury coverage per person: This is the most your insurer will pay for the medical costs of a single person injured in an accident you cause.
  • $30,000 for bodily injury coverage per accident: This is the maximum amount your insurer will pay for all injuries combined if multiple people are hurt in an accident you cause.
  • $5,000 for property damage liability: This covers the cost of damage you cause to someone else’s property, such as their car, in an accident.

Although these are the minimum legal requirements, it’s vital to consider if this coverage is sufficient to protect you financially during an accident. If the costs go beyond your coverage limits, you could be liable for the extra amount. Thus, many drivers opt for higher levels of coverage for complete protection.

Full Coverage Options

Insurance companies don’t formally recognize the term “full coverage,” but it usually refers to a comprehensive mix of coverages. This typically includes liability insurance (covering both bodily injury and property damage), collision insurance, and comprehensive insurance.

Liability coverage takes care of costs related to injuries or property damage you cause in an accident. When your vehicle is damaged from hitting another car or object, collision coverage pays for the repairs.

Comprehensive coverage deals with non-collision-related events like theft, vandalism, fire, or natural disasters. Full coverage insurance is essentially an all-in-one package offering peace of mind both on the road and off.

Does Pennsylvania Have A Government-Sponsored Car Insurance Program For Low-Income Families?

Pennsylvania does not provide a government-sponsored car insurance program for low-income families as some states do. However, car insurance remains a legal requirement for vehicle registration and operation in the state.

Does Income Affect Car Insurance Rates In Pennsylvania?

Income isn’t directly linked to car insurance rates in Pennsylvania, despite common beliefs. Insurers generally consider a range of factors, such as age, location, driving record, vehicle type, and coverage levels, when setting premiums.

How To Save On Car Insurance Costs In Pennsylvania

Figuring out the car insurance landscape in Pennsylvania can be challenging, but with some smart strategies, you can reduce your premiums significantly. Here are three proven tips for Pennsylvania drivers to save on car insurance costs.

Compare Rates from Different Providers

Comparing rates from multiple providers is a smart way to reduce car insurance expenses. These rates are influenced by factors such as age, driving record, location, and others.

As a result, premiums for insurance can vary significantly depending on the provider. It is therefore recommended to obtain quotes from multiple insurers and choose the one that offers the best coverage for your needs and fits your budget.

1

Leverage Discounts

Many insurance companies provide discounts that can reduce your premiums. These discounts may include safe driving rewards, bundling policies, good grades incentives, or vehicle safety feature discounts. Ask your insurer about available discounts and assess your eligibility.

2

Adjust Your Coverage and Deductibles

Another method to save money on car insurance is by adjusting your coverage and deductibles. If your car is older, it might be a good idea to remove collision and comprehensive coverage if they are priced higher than the car’s value.

Raising your deductible is another way to decrease your premium. However, be certain that the deductible amount is something you can comfortably manage if you need to make a claim.

3

Our Methodology

Through a detailed assessment including customer service ratings, product diversity, pricing analysis, and insights from online reviews and user experiences, I've constructed an in-depth understanding of car insurance providers. Leveraging my 15+ years of direct industry involvement as a licensed agent, frequent interactions with representatives from different companies, and firsthand purchasing experiences in Pennsylvania , this perspective is thorough and nuanced.

173

Quotes Analyzed

43

Brands Reviewed

15+

Years of experience

25+

Research Hours

FAQs

How can low income families get affordable car insurance in Pennsylvania?  

Securing the best deal for car insurance in Pennsylvania means comparing quotes, inquiring about discounts, and shopping around among different insurers.

What is the minimum amount of car insurance you have to carry in Pennsylvania?  

Pennsylvania law mandates that every driver maintain a specific level of car insurance. This includes $15,000 coverage for bodily injury per person, $30,000 for bodily injuries per accident, and $5,000 for property damage.

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