Best Pennsylvania Car Insurance Quotes – Cheap Insurance In The Keystone State
With as many as 8.9 million drivers in Pennsylvania, auto policies are a must. Choosing the right insurance company matters since auto insurance can protect you in different scenarios and accidents, whether driving or due to the weather.
An accident can happen to both inexperienced and seasoned drivers, so it’s best to get full coverage and make sure you’re protected.
Pennsylvania has almost 9 million licensed drivers on the road; getting the right insurance online is more critical than ever before. And you’ll find that Pennsylvania’s state minimum requirements don’t really cover what you’ll actually need if you’re in an accident.
At Insurance Geek, we’re committed to connecting our customers with the best possible Pennsylvania car insurance quotes – not just to ensure you get great coverage but to get you on the road with a policy you can afford. Best of all, with just one form fill-out, you can get multiple quotes from different carriers.
We do all the research and the heavy lifting – and you can relax with top quotes on various lines from several different carriers.
Pennsylvania Car Insurance Minimum Required Coverage
Below, you’ll find a summary of the minimum amounts you will find in auto insurance policies. All states do require at least bodily injury liability and property damage liability at a minimum. Many states also require uninsured driver protection.
Bodily injury liability – $15,000 person/$30,000 accident
If you injure someone else while driving, this type of insurance coverage will protect you. Whether or not you hit someone in a different auto or a pedestrian, you’ll get the coverage you need. If you or the person on your policy cause bodily injury during a wreck in someone else’s car, this part of your insurance also covers you – as long as you’ve been given permission to drive the vehicle.
Property damage liability minimum coverage – $5,000/accident
Though the Pennsylvania property damage minimum is $5,000, we recommend at least $100,000 in coverage. $5,000 in insurance coverage is simply not enough to cover a significant repair of someone else’s vehicle if there is substantial damage.
Uninsured and underinsured minimum coverage – $15,000 person/$30,000 accident
In Pennsylvania, you should have uninsured motorist insurance coverage. Some opt to get underinsured coverage as well for extra protection. While uninsured motorist coverage is not required by law, like it is in some other states, vehicle or motor owners should make sure that they are fully protected.
How Much Will I Pay for Auto Insurance in Pennsylvania?
Are you wondering what will be the price of your premium? Car insurance rates depend on multiple factors, and you have to take them into account to calculate the cost of your future policy.
The average cost of a car insurance policy in Pennsylvania falls between $1200 and $1450 per year, close to the national average.
Let’s inspect the most critical factors that affect the rates and premium for coverage in Pennsylvania:
Young drivers usually get higher than average rates compared to other drivers. Insurance companies consider young drivers and teen drivers less experienced and more prone to making insurance claims.
Driving Record of a Driver
Pennsylvania drivers should keep upstanding driving records. When shopping for insurance, clean driving records can lower your premium price because an insurance provider will consider you a good driver.
So, to make coverage in Pennsylvania a bit cheaper, all drivers can try to have fewer traffic tickets or DUI citations to lower rates.
Aside from your driving record, your credit score can also affect car insurance rates. Insurance companies will check your credit rating to see whether you’re financially responsible when determining your premium price.
However, we will still aim to get you the cheapest rates possible. Poor credit isn’t the single decisive factor, and plenty of companies offer discounts to drivers on other fronts.
Metro city areas in the state of Pennsylvania, like Philadelphia, Pittsburg, or Erie, tend to come with higher premiums due to the increased potential for an accident.
Here are some larger cities in Pennsylvania where an accident may be more likely to happen:
Regardless of your ZIP code in the Keystone State, we’re happy to provide you with the best coverage and rates possible! Just use our free quote calculator on this page.
Car Insurance Company
Not every insurance company offers the same deals and products, and what you’ll pay per year is different.
We’ve designed a free calculator to allow you to compile free quotes and calculate how much you would pay for your policy. With our calculator, you can perform a complete analysis for your coverage in Pennsylvania! You’ll need to fill in your ZIP code and address and see the price range you can expect for your insurance.
Pennsylvania drivers have various access points to discounts when it comes to car insurance. You can steer clear of speeding tickets or DUI and keep a clean driving record as well as pay attention to your credit score – or you can take the entirety of your business to one carrier.
Obtaining different insurance products within one company, like home or life insurance policies in addition to auto insurance, you can score some amazing discounts!
Get Access to the Cheapest Pennsylvania Auto Insurance Quotes
Insurance Geek is there to connect drivers in Pennsylvania with car insurance companies to find the best car insurance, regardless of their ZIP code in the state!
You can get free auto insurance quotes in two simple steps:
Fill out our form on site (the process does not take more than a minute) and let us do the hard work for you.
Our quote calculator will allow you to compare car insurance quotes from over 20 different carriers, including our top-pick companies, Nationwide and Safeco. All of our carriers are approved by the Pennsylvania Department of Insurance.
Insurance Geeks agents know how needlessly complicated the entire process can be for drivers in Pennsylvania who want to calculate the insurance rates.
Calculating the price of car insurance can be tricky, especially when you have several agents calling you with different offers. Our calculator generates multiple quotes from different insurance companies without confusing you.
Feel free to talk to your Insurance Geek agent if you have any questions!
Can I Get a Discount?
Every insurer is after your business in its entirety, and they are more than willing to grant discounts if they see that you want to place your trust in them. Specific companies offer different types of products, and you will be able to save a large amount of your money. Therefore, a smart option is always to get a “bundle” discount – a great option if you can tackle different insurance products (such as home and life policies) across lines from the same insurer.
Discounts vary by carrier. Here are some you’re likely to see:
- Bundle discounts (bundling life and renters could lower premiums),
- Safe driving;
- PIF (paid in full) discounts;
- Low or no accident;
- Low mileage;
- Defensive driving discounts (this may often involve taking a class);
- Multi-car policy;
- E-Bill Discounts;
- Loyalty discounts;
- Student, military or senior.
Anti-theft devices, restraints, driving a new car, daytime running lights – these are some other features that may result in a discount. There are many different ways to save on insurance.
Get more information from your Insurance Geek agent!
What Does Car Insurance Coverage in Pennsylvania Include?
Car insurance in Pennsylvania might include the following car insurance options:
Medical Liability/PIP (Personal Injury Protection)
This type of coverage includes injuries that happen in your own auto. If you or a driver injure yourself or others while driving your vehicle, your medical expenses will be paid. Making sure you have PIP will allow you to cover for any occurring injuries.
Anything you run into can damage your vehicle. Potholes, guardrails – so much can damage your car, and collision can help. It can really come in handy for those moments. There doesn’t need to be someone else in another car around for you to do significant damage to your vehicle. So, it’s worth it to have this kind of coverage in your full coverage policy – even though it isn’t obligatory.
Cracks, dings, theft – “everything else” is covered by the comprehensive part of your policy. One important thing a comprehensive policy can cover is hail damage. If your vehicle is out in a storm and baseball-sized hail hits, you could experience a total loss. Comprehensive insurance that covers significant hail damage is a good idea in states like Pennsylvania, which regularly experience larger hail.
Note that comprehensive coverage will not protect you in the event of a breakdown. Your insurance policy doesn’t really work the same way AAA or a similar service would. It’s meant more for accidents, collisions, or those other things that can happen out of the blue and harm your vehicle. In addition to collision, comprehensive coverage is always handy to have when aiming for full coverage.
Uninsured and underinsured
Drivers in Pennsylvania should have this as part of their full coverage. It kicks in if you find yourself in an accident with uninsured or underinsured drivers who do not have enough coverage/auto insurance to pay for your expenses.
Bodily injury liability
Your car insurance policy should include liability insurance as well. Bodily injury covers the medical bills of the other party if you are involved in an at-fault accident. It’s best to go over the state minimum coverage and get $30,000 per accident.
Property damage liability insurance
Property damage insurance is an obligatory part of your policy in the state of Pennsylvania. If you cause damage to another person’s property, this section of your insurance can cover the costs.
How much Coverage Car Insurance Should I Get in Pennsylvania?
The rule of thumb is this:
The state minimum coverage is what you’ll need to be on the road legally – but being legal isn’t enough. You can cause severe damage to yourself or another person in a vehicle, so it’s best to stay safe.
We recommend a $100,000 minimum for your basic injury and property damage insurance coverage. Your protection coverage per accident should be about $300,000.
Anything lower than this, and we find that customers who get into serious car accidents may not have the protection needed to pay the medical liability or even replace their own cars. Though it might be a tempting expense to pass up on, ENOUGH auto insurance is something you must have in Pennsylvania if you’re driving.
Most state-required minimum coverage does not include PIP or collision, but the two are highly recommended for full coverage.
Full coverage means that you have adequate protection, no matter where you go.
FAQ: PA Car Insurance
Q: Who has the cheapest car insurance in PA?
A: With spotless customer service records and cheap car insurance, we wholeheartedly recommend the top car insurance companies – Nationwide and Safeco. As our best-recommended companies, they offer affordable coverages, rates, and deals for every customer! Feel free to contact us for more information, and we can connect you to our best carriers.
Q: How much is car insurance in Pennsylvania?
A: In Pennsylvania, auto insurance costs around $900 yearly. Your Pennsylvania auto insurance premiums are determined by a variety of factors, including the age of the driver, whether or not the driver has recent accidents or citations on their driving record, as well as the age, make, and model of your vehicle. Vehicle color also matters, as well as anti-theft deterrents and devices such as etched glass. Your safety rating, a safe driving record – all these can lower premiums over time. Carriers also love it when you bundle by opening different lines of insurance with the same carrier.
Pennsylvania Auto Insurance Quote Calculator
Insurance Geek is here to assist you in your search for the best Pennsylvania car insurance on the market.
Our free quote calculator connects you with car insurance that’s right for you and your family! We love working with our Pennsylvania insurance customers to get them connected with the right policy. No matter how many drivers you have in your household, what kind of quote you’re looking for, or what you decide is best for your family, we’re with you every step of the way with affordable premiums and the best possible coverage.
Let’s talk about getting you set up with an auto policy in Pennsylvania that meets your needs today! We have more information readily available for you.