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Cheap Auto Insurance in Pennsylvania: Best Companies & Quotes
Tyron Jones
Car Insurance Expert
Updated: 07/2020
Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years.
Best Car Insurance Companies in Pennsylvania
- Erie
- State Farm
- Nationwide
- Geico
- Progressive
- Allstate
| Erie | State Farm | Nationwide | Geico | Progressive | Allstate | |
|---|---|---|---|---|---|---|
| AM Best Financial Strength Rating | A+ | A++ | A+ | A++ | A+ | A+ |
| JD Power 2019 Overall Customer Satisfaction score | 5/5 | 5/5 | 2/5 | 3/5 | 3/5 | 3/5 |
| Avg Annual Premium | $328 | $471 | $696 | $708 | $821 | $1,056 |
| Consumer Reports Reader Score | 86 | 78 | N/A | 78 | 75 | 72 |
| BBB Rating | A+ | A | A+ | A+ | A+ | A+ |
Auto Insurance Statistics in Pennsylvania
Auto insurance rates in Pennsylvania used to be higher than the national rates over the past few years. Although there was a slight drop in 2009, the rates have since been steadily climbing. By having a look at the trend in rates, drivers can get an idea of the range they can expect to pay when it comes to auto insurance premiums in Pennsylvania.
Top 10 Cheapest Car Insurance Companies in Pennsylvania
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Travelers | $795 |
| 2 | Erie | $970 |
| 3 | Auto-Owners | $983 |
| 4 | USAA | $994 |
| 5 | General Casualty | $1,115 |
| 6 | Atlantic States Insurance | $1,171 |
| 7 | State Farm | $1,173 |
| 8 | Allied | $1,336 |
| 9 | Nationwide | $1,336 |
| 10 | Donegal Mutual | $1,445 |
Drunk Driving Fatalities
Drinking and driving is a dangerous and often deadly practice that continues to occur in states across the nation. If you are a driver in Pennsylvania, it helps to know how many fatalities occur each year as a result of drinking and driving. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Pennsylvania vs. nationwide.
Drunk driving fatalities in Pennsylvania from 2013 to 2017
Source: The National Highway Traffic Safety Administration
Teen Drinking and Driving
Teen drinking and driving in Pennsylvania has remained at a rate that is almost the same as the national average. The data below demonstrates the level of drinking and driving taking place in Pennsylvania when compared to other states around the country.
Teen Drinking & Driving in Pennsylvania vs. Nationwide (2017)
Source: Center For Disease Control
SR-22 Insurance in Pennsylvania
While most states in the United States require certain drivers to have SR-22 insurance to return to driving, Pennsylvania is one of the few states that does not have this requirement. If you want to begin driving again, you will most likely not need your insurance company to submit this form.
Still, there might be other considerable measures you must take to ensure that you can drive again. In many cases, you will have to serve a lengthy suspension before you can operate a vehicle on US roads again. Either way, make sure to follow the orders of the Pennsylvania court or DMV before you begin driving again.
Car Theft in Pennsylvania
Car theft in Pennsylvania occurs at a rate that is lower than the national average. It is helpful to be aware of what the level of car theft is in the State you will be driving in. To protect against loss from vehicle theft it is advisable to obtain comprehensive car insurance coverage.
Vehicle thefts by rank nationwide vs. Pennsylvania
Source: www.FBI.gov
Uninsured Motorists in Pennsylvania
Without car insurance, drivers in Pennsylvania are liable to pay for expenses from a car accident from their personal accounts instead of from their insurance policies. In order to avoid this situation, it is recommended to carry uninsured and underinsured motorist coverage. The below data shows how well Pennsylvania ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
Automotive Insurance Coverage in Pennsylvania
Pennsylvania is a gorgeous state that’s located in the northeastern region of the United States. Pennsylvania residents often have to rely on automobiles to get around. Although efficient public transportation is indeed available in many parts of the state, it’s not easily accessible everywhere. That’s exactly why Pennsylvania is such a big driving area. If you’re a driver in Pennsylvania, you need to make sure that you have car insurance at all times. You don’t have to fork over an arm and a leg to have car insurance in Pennsylvania, either. There are quite a few inexpensive auto insurance options available to people who are looking in the state.
The Perks of Top-Quality Auto Insurance Plans in Pennsylvania
Choosing a solid auto insurance plan in Pennsylvania is a task that requires a lot of consideration. Auto insurance is critical for so many reasons. A great car insurance plan can bring so many useful advantages to the table. It can sometimes cover stolen vehicle replacement costs. It can sometimes even cover costs for weather damage, animal collisions, fire destruction and flood destruction. If you’re the kind of person who likes feeling secure and safe, then you’re someone who should investigate the most thorough car insurance options that are accessible to you. A great car insurance plan can make you feel safe. It can make you feel more confident any time you’re behind the wheel as well. If you’re committed to the idea of choosing a dependable yet affordable car insurance plan in Pennsylvania, you have to approach the situation with ample caution and care.
Important Auto Insurance Factors
There are numerous important auto insurance factors that can greatly influence your decision. You should be aware of auto insurance limits. If you’re looking for auto insurance in Pennsylvania, you need to focus on property damage liability, bodily injury liability, underinsured motorist and uninsured motorist coverage options. You also have to concentrate on coverage that’s necessary for first party benefits. It’s important to be sure to understand everything in significant detail prior to making any major decisions. If you want to feel 100 percent secure with your choice, you should ask a knowledgeable family member or friend in Pennsylvania to give you sound advice. It can also be intelligent to work with an experienced and trained agent in Pennsylvania. Professional guidance can go a long way for people who are looking for affordable and trustworthy options in car insurance plans.
Quote Assessments
Never go with the first auto insurance plan you encounter. Choosing auto insurance coverage in Pennsylvania isn’t a competition. You have no reason in the world to rush the process. You should assess as many quotes as possible. Find an auto insurance plan that can accommodate your budget well. It isn’t only important to focus on price, however. It’s just as essential to pay attention to quality. Weak car insurance coverage won’t do much good for you. You have to prioritize car insurance plans that are simultaneously comprehensive and inexpensive. There thankfully are quite a few plans that cover both of those bases in Pennsylvania.
Many Auto Insurance Company Choices in Pennsylvania
Pennsylvania is a state that gives people many choices in everything. It even gives drivers many choices in prominent auto insurance providers in Philadelphia and the rest of the cities in the state. Established companies that offer in-depth auto insurance plans in the state include Erie Insurance, Nationwide, The Travelers Companies, StateFarm and USAA. If you want to choose a car insurance plan that’s cheap, you should think about your individual situation. USAA car insurance can be particularly inexpensive for drivers who have ties to the military. StateFarm and Erie Insurance plans can be especially cheap for drivers who are currently retired. Erie Insurance, Nationwide and The Travelers Companies plans can be economical choices for people who have low credit scores. Nationwide, Erie Insurance and StateFarm coverage can be inexpensive for individuals who are on the young side. If you’re a twenty-something driver who is looking for superb coverage in Pennsylvania, it may be smart to look into an exhaustive Nationwide, Erie Insurance or StateFarm plan. If you’re looking for inexpensive Pennsylvania auto insurance coverage, an open mind is without a doubt your greatest asset.
Types of Auto Insurance Coverage in Pennsylvania:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Auto Insurance Requirements in Pennsylvania
There are minimum requirements for auto insurance in the state of Pennsylvania. According to The Pennsylvania Department of Transportation, each vehicle in the state needs to be covered by a minimum of medical as well as liability insurance coverage
Medical and Liability Insurance Minimums Include:
Medical Payments minimum:
- $5,000 per accident
Liability minimums:
- $15,000 per person
- $30,000 per accident
- $15,000 per accident for property damages
Source: Pennsylvania Department of Transportation
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, we want you to be able to save on the cost of car insurance each year. One way to do this is with auto insurance discounts. Auto insurance discounts can help you save as much as possible on the cost of car insurance. Browse the list below to find some of the auto insurance discounts you can use to save on your car insurance expenditures each month or year in Pennsylvania.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
FAQ
General Information on Auto Insurance
This section will cover a lot of what’s and a few why’s and how’s on the general nature of auto insurance in the state.
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What is the minimum car insurance in PA?
Pennsylvania requires a 15/30/5 liability insurance along with an uninsured motorist coverage of $15,000 per person and $30,000 per accident.
Why does Pennsylvania make you have car insurance?
Getting into an accident is a great financial burden which can easily siphon all your assets. By forcing you to get a car insurance, you can avoid this.
In Pennsylvania auto insurance, what does full tort vs limited tort mean?
In full tort you can be compensated for all types of damages (including pain and suffering), and with limited tort, you waive that right.
Why does Pennsylvania have limited and full tort car insurance?
There are price differences between the two. Pennsylvania give you the right to choose you assess the pros and cons on your own.
How does car insurance in Pennsylvania work?
Very simply. You have your coverage, and if you get into an accident that you have coverage for, you will be provided with financial aid.
What is better to buy in Pennsylvania, no fault or tort auto insurance?
If you are concerned about price, a tort auto insurance is cheaper. However, if you want to be covered regardless of the at fault driver’s coverage, no fault is the better option. Learn more about how to get car insurance online.
What does liability only auto insurance definition under Pennsylvania law cover?
It covers the $15,000, $30,000, and $5,000 for bodily injury coverage per person and per accident and property damage coverage, respectively. Car insurance liability coverage can be affordable if you compare quotes from different companies.
What is the difference between stacked and unstacked auto insurance in PA?
In a stacked coverage, you multiply your default coverage by the number of vehicles you own. If you have a 15/30/5 coverage for one car, it would become 30/60/10 for two cars. Unstacked auto coverage divides the existing coverage by the number of cars in your policy.
What is considered full coverage auto insurance in PA?
In full coverage, you increase your liability coverage but and add other options to your policy such as income loss, funeral benefit, and stacking of benefits. We offer quotes for car insurance full coverage options or liability only.
Getting the Right Auto Insurance
Auto insurance is not a one-size-fits-all kind of deal. You have to know what is right for you.
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What do I look for in car insurance for PA?
The most important, of course, is that it is offered by an authorized company. Anything beyond that is totally up to you. We recommend that you review pending lawsuits, claims approval rate, customer satisfaction, and the likes.
Who are the best auto insurance companies in Pennsylvania?
Reviews have listed Erie Insurance Group, State Farm, Allstate, Nationwide, and Progressive to be the best in the state. You can get a car insurance quote online from any of these companies.
What are the best auto and home insurance companies in PA?
Only including the overlap between the best home and the best auto insurance from reviews, Erie Insurance reviews, All State, State Farm, and Nationwide emerge.
What car insurance company covers Pennsylvania and Virginia?
Bigger insurance companies have presence in both states such as State Farm, Allstate, USAA, and Nationwide. Though for more specific insurance types such as VA SR22 it may or may not be the same companies. Learn more about how to switch car insurance companies if you’re unsatisfied with your current one.
What are Pennsylvania car insurance companies required to cover for total loss?
What is the most popular auto insurance company in Pennsylvania?
Based on market share, State Farm can be declared the most popular auto insurance company in the state. Some would say its even the best auto insurance company in the area.
How much is car insurance in PA?
In Pennsylvania, your annual insurance rate averages at $1,036. You can sometimes reduce car insurance rates by switching to a different company after comparing quotes.
Who has the cheapest car insurance in PA?
The cheapest car insurance for one person may not be the same for the other. Nerdwallet recommends Erie for retired drivers, Travelers if you have poor credit, and Metromile for low milage drivers. Also, a collector car insurance company would have some of the cheapest insurance as well since its assumed you won’t be driving the car very much.
In PA, how much does your car insurance increase one total accident?
Rate increase with car insurance isn’t an exact science. But with damage as great as a totaled car, your rates would skyrocket beyond the average of 32%. Read more: How much do you pay for car insurance?
How much is car insurance in State Farm in Pennsylvania?
According to recent data, it’s $1,162. This is just a little higher than the state average. See if they offer cheap down payment auto insurance options.
What is the average annual increase in auto insurance premiums in Pennsylvania?
At what age do auto insurance rates decrease in PA?
According to the DMV, any significant decrease will start when you’re 25. We help you find cheapest car insurance options in your area.
How much does an antique car insurance cost a year in Pennsylvania?
How do I get a PA car insurance?
Insurers have fairly similar requirements: a driver’s license and a proof of home address. Other documentation may be required if you’re switching insurance companies or have just moved into the state. To get car insurance online now just start by entering your zip code above.
How soon do I need car insurance in Pennsylvania?
How long can a child stay on their parent’s car insurance in Pennsylvania?
They can stay there for as long as they live under the same roof. Else, the child would be required to get a separate policy. Related: Getting unlicensed drivers insurance.
How do I get temporary car insurance in Pennsylvania?
Temporary car insurance isn’t something that insurance companies advertise. If you want to avoid the hassle of inquiring, you can go for those offering mile-based insurance rates that can be cancelled anytime.
Do I have to get car insurance for my teenager who just got a permit in Pennsylvania?
If your child drives a separate car, he will have to get an insurance. Else, you can hold off to that until he gets a driver’s license. Cheap automobile insurance for teenagers is usually found by doing a thorough rate comparison with different companies.
Do you need to have insurance when you buy a car in PA?
Is there a grace period for auto insurance in PA when you buy a new vehicle?
When should I take insurance off car in Pennsylvania?
How late can you be on car insurance in Pennsylvania?
How much is full coverage motorcycle insurance in Pennsylvania?
It generally costs between $100 and $500 per year, depending on your bike and other factors. Getting the cheapest full coverage motorcycle insurance will probably be done by comparing quotes from multiple companies.
Accidents and Liabilities
Should you get into an unfortunate situation, when and where does your insurer come in? Find this out in great detail through the questions below.
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What is my liability if I lease a car but insurance is in my child's name in Pennsylvania?
If you have acquired a tort insurance, you will not be held liable if the other driver was at fault.
How to claim insurance on car accident in PA?
To build your case, it is best if there’s a policy report or any evidence to support that you deserve compensation. Then, file it with your insurance company and wait for an insurance adjuster to contact you.
In Pennsylvania, how are auto accident claims resolved when insurance can't cover all claims?
Everything that cannot be covered by your policy will be paid out of your pocket.
In Pennsylvania, if I were in an accident while driving a friend’s car whose insurance would cover the damages?
If you took it without their permission, your coverage will pay for the damages if you’re at fault. Else, it will be the other driver.
When can I expect the insurance company to settle after my car accident in PA?
You are very much involved in the settlement process, so it would depend on how long it would take for both parties to agree to an amount.
What do I need on Pennsylvania insurance to pay car damage in hit and run?
Your property liability damage coverage will pay for it if you chose a no fault coverage. Else, you cannot be compensated.
How do I recoup money from person with minimum car insurance in PA?
It is possible that you won’t get the full amount. Even if he liquidates his assets, it may still not suffice.
According to Pennsylvania law, auto insurance pays what percentage of income loss?
Your insurer pays 80% of your income loss up to the limits of your policy.
How long do you have to file a car insurance claim in Pennsylvania?
Whether for property damage or for injury, you have two years to file a claim.
Rules Regarding Auto Insurance
What are the pitfalls that you have to avoid regarding your auto insurance? This and many more would be discussed in this section.
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Who regulates auto insurance in Pennsylvania?
The Commission of Insurance as the head of the Pennsylvania Insurance Department regulates this industry.
What happens when you let your car insurance lapse in PA?
You won’t be able to legally drive your car and your registration may be revoked. Once you decide to apply once again, you’d also get higher rates.
What happens to your if you don’t pay your car insurance in Pennsylvania?
Nothing, but you won’t be able to drive it. You’d also have to return your plate to the DMV.
In Pennsylvania, how soon do you have to get auto insurance after yours has lapsed?
You shouldn’t have allowed it to lapse in the first place. But because that has already happened, just apply for a new one and don’t drive your car until them.
How do I check if a Pennsylvania insurance auto policy is valid?
You can inquire form the DMV to check if someone’s auto insurance is still valid by providing the VIN number or the license plate as well as having a good reason for the request.
When registering your car, will they check with your insurance to make sure it is still active in Pennsylvania?
Of course. That is the reason why they require you to present a proof of insurance before allowing you to register your vehicle.
Who has to notify Pennsylvania state when you switch to a new car insurance?
It is your responsibility to inform the DMV of any changes to your policy, including switching to a new car insurance.
Can I keep my Indiana SR22 insurance in Pennsylvania?
No. First off SR22 insurance is not required in Pennsylvania. Second you would need a new policy anyway since you’re moving states. So your Indiana SR22 insurance policy would likley need to be cancelled unless you intend to travel back to that state and drive again. Consult with a legal professional and/or local insurance agent for more details.
Other Questions
With the ins and outs of insurance already discussed, miscellaneous concerns about transferring car ownership and the latest news on the insurance industry.
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How are two math grads disrupting the auto insurance industry in Pennsylvania?
They aren’t. However, they both hold prestigious positions in Everquote. It is the CEO Seth Birnbaum who has ‘disrupted the auto insurance industry’ by placing ads featuring two math grads of Asian descent.
Can you transfer a car title in Pennsylvania to someone who doesn't have insurance?
Yes. However, that person would have to acquire insurance for the vehicle after the transfer.
Is Pennsylvania an SR22 insurance state?
No. Pennsylvania is one of the states that does not require SR22 insurance. However if you need it for another state we do help you find SR22 insurance cheap by comparing companies. For example we have helped some people find the cheapest sr22 insurance California has to offer.
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