The Cheapest Car Insurance in Pennsylvania for 2022 | https://shayski.com

GEICO is the cheapest company for state-minimum coverage in Pennsylvania, while Erie offers the most low-cost full-coverage car policy in the state. however, other factors besides affect rates, such as coverage sum, driving history, age and credit seduce. express farm delivers the lowest modal rate for a Pennsylvania driver with a DUI on their record. USAA offers the most low-cost liability-only and full-coverage policies in Pennsylvania, but entirely current and put out military members and their families qualify for its coverage. For those looking for an flush more local solution, we besides broke down the cheap companies by city, vitamin a well as the best car indemnity companies in Pennsylvania for those looking to balance quality avail and cost. To find out how MoneyGeek calculated the cheapest car indemnity in Pennsylvania, read our methodology.

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The Cheapest Car Insurance in Pennsylvania

Cheapest Minimum Liability Car Insurance in Pennsylvania

Getting a liability-only coverage policy, which merely meets the state minimum car indemnity requirements, is the most low-cost car insurance choice in Pennsylvania. Based on MoneyGeek ’ south study, the most low-cost minimum coverage car policy in Pennsylvania are from :

  • GEICO: $543 per year
  • Erie: $571 per year

If you or a family member are in the military, you qualify for USAA coverage, which would be the cheapest choice in the state at an average of $ 374 per year. interim, MetLife has the most expensive annual average rate at $ 1,715 .

Cheapest Minimum Car Insurance in Pennsylvania
  • ship’s company annually monthly
  • 1 .USAA $ 374 $ 31
  • 2 .GEICO $ 543 $ 45
  • 3 .Erie $ 571 $ 48
  • 4 .State Farm $ 652 $ 54
  • 5 .Travelers $ 825 $ 69
  • 6 .Allstate $ 835 $ 70
  • 7 .Nationwide $ 919 $ 77
  • 8 .Esurance $ 1,061 $ 88
  • 9 .Progressive $ 1,084 $ 90
  • 10 .MetLife $ 1,715 $ 143

These prices are lone estimates based on rates for an average Pennsylvania driver and should not be used to compare policy prices .Insurance Rates

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Cheapest Full Coverage Car Insurance in Pennsylvania

Pennsylvania drivers who have a full moon coverage policy with higher liability limits and comprehensive and collision insurance have the assurance that they are protected against road and off-road accidents. While this policy costs more than minimum coverage, it provides auspices against if your car gets damaged after an accident. The best manner to find the most accurate policy is to compare multiple quotes from versatile car insurers. Based on average rates for Pennsylvania drivers with full moon coverage, the cheapest cable car indemnity companies are :

  • Erie: $1,328 per year
  • Travelers: $1,330 per year

For military personnel, USAA has the most low-cost average annual pace of $ 991. MetLife has an average rate of $ 2,753 per year for a full coverage policy, making it the most expensive option .

Cheapest Full Coverage Car Insurance in Pennsylvania
  • party per annum monthly
  • 1 .USAA $ 991 $ 83
  • 2 .Erie $ 1,328 $ 111
  • 3 .Travelers $ 1,330 $ 111
  • 4 .GEICO $ 1,344 $ 112
  • 5 .State Farm $ 1,370 $ 114
  • 6 .Nationwide $ 1,771 $ 148
  • 7 .Allstate $ 1,824 $ 152
  • 8 .Esurance $ 2,097 $ 175
  • 9 .Progressive $ 2,589 $ 216
  • 10 .MetLife $ 2,753 $ 229

cable car insurance rates depend on individualize factors, so your premium will not be the lapp as any of the examples provided. These rates are based on a comprehensive and collision insurance policy that allows a driver to claim up to $ 100,000 for bodily injury per person, $ 300,000 for bodily injury per accident and $ 100,000 for property damage per accident.

How to Compare Cheap Pennsylvania Car Insurance Quotes Online

Most car insurance companies in Pennsylvania provide access to reasonably accurate quotes through tools on their websites .

  • Always be consistent about coverage limits. If the basis for one quote is $300,000 in bodily liability insurance per accident, then you should use that same number with all insurers.
  • You can obtain quotes online through most insurance providers in Pennsylvania. Use MoneyGeek’s auto insurance calculator to compare rates for an average driver. For a personalized quote, you’ll need to contact insurance providers directly. You may also use the price data presented by MoneyGeek to help you figure out which company’s websites you will visit.
  • The cheapest companies in Pennsylvania are USAA, GEICO and Erie. You can start your search for the best auto insurance by asking for quotes from these insurers.

Auto Insurance Calculator

state pennsylvania age 30-65 drive read clean credit rating score excellent Vehicle Type compact Vehicle year 2020 Liability Coverage state Min Comprehensive and Collision Insurance none gender female

Average Annual Auto Insurance Rates

Click the segment of the wheel in your price range to see options. first gear end on average high end Click your prefer price scope to see party options. Click an insurance company below to visit their inspection page or continue to your personalize quote. party median annual Rates 1 .USAA $ 376 2 .GEICO $ 545 3 .Erie $ 574 4 .State Farm $ 655

Cheapest Car Insurance for Drivers With a DUI in Pennsylvania

insurance providers in Pennsylvania charge higher rates for drivers who have violations like a DUI, which means car indemnity for bad drivers can get identical expensive. In Pennsylvania, the modal price of car policy for a driver with a DUI is $ 3,204 per class. A driver with a clean phonograph record typically pays $ 1,818 per class. The cheapest car indemnity for a driver with a DUI and entire coverage in Pennsylvania are :

  • State Farm: $1,494 per year
  • Allstate: $1,824 per year
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If you have a military affiliation, USAA ‘s modal annual rate of $ 1,322 for Pennsylvania drivers with a DUI is probably your most low-cost choice .

Average Car Insurance Rates With a DUI
  • company annually monthly
  • 1 .USAA $ 1,322 $ 110
  • 2 .State Farm $ 1,494 $ 125
  • 3 .Allstate $ 1,824 $ 152
  • 4 .Erie $ 2,031 $ 169
  • 5 .Esurance $ 2,501 $ 208
  • 6 .Travelers $ 2,843 $ 237
  • 7 .Progressive $ 2,936 $ 245
  • 8 .Nationwide $ 3,013 $ 251
  • 9 .GEICO $ 4,537 $ 378
  • 10 .MetLife $ 7,847 $ 654

Driving under the influence ( DUI ) carries a dramatic gamble for your life and companion drivers on the road. In Pennsylvania, 1.8 % of adults admitted to driving after drinking besides much within the past 30 days in a sketch by the Centers for Disease Control and Prevention ( CDC ). 3,697 people in Pennsylvania were killed in alcohol-related crashes between 2009 and 2018. The legal consequences of a DUI in Pennsylvania vary based on a driver ’ s lineage alcohol content ( BAC ). It is illegal to drive with a BAC of .08 % or higher. First-time offenders face six months of probation, a $ 300 fine, but get to keep their license. If your BAC is higher than .10 %, the punishment is much more hard with imprison time and your license will be suspended. Check out the above table for estimates on what to expect if you get a DUI in Pennsylvania. A DUI citation can have a significant impingement on your finances. Along with legal and court fees, you can expect your car insurance cost to rise. In some cases, your policy rates could double nightlong after a DUI because insurers will immediately label your coverage as bad. In Pennsylvania, a license suspension is a valid reason for an insurance party to cancel your policy. If that happens, you ’ ll indigence to look for coverage from a different company. Getting dislodge quotes from multiple companies will help you find the cheapest cable car insurance with a DUI in Pennsylvania. If you struggle to find coverage after a DUI, Pennsylvania offers an Assigned risk plan. This commonwealth-sponsored car insurance ensures bad drivers have coverage and the hazard is shared across multiple providers.

Cheapest Car Insurance in Pennsylvania for Drivers With an At-Fault Accident

In Pennsylvania, if an insurance company deems you “ at-fault ” in an accident, your policy premiums will about decidedly rise. On average, a driver with an at-fault accident on their record pays $ 2,919 for their policy. The following two companies provide the cheap car insurance in Pennsylvania for drivers with an at-fault accident history, on average :

  • State Farm: $1,619 per year
  • Erie: $1,706 per year

While USAA offers the lowest annual average premium in the state of $ 1,394, their products are alone available to stream and previous military members, angstrom well as their families .

Cheapest Car Insurance With an At-Fault Accident
  • company per annum monthly
  • 1 .USAA $ 1,394 $ 116
  • 2 .State Farm $ 1,619 $ 135
  • 3 .Erie $ 1,706 $ 142
  • 4 .Travelers $ 2,181 $ 182
  • 5 .Allstate $ 2,350 $ 196
  • 6 .GEICO $ 2,561 $ 213
  • 7 .Nationwide $ 2,612 $ 218
  • 8 .Esurance $ 3,141 $ 262
  • 9 .Progressive $ 4,277 $ 356
  • 10 .MetLife $ 7,655 $ 638

Cheapest Car Insurance for Drivers With Tickets in Pennsylvania

flush a minor drive trespass, such as a slate, can increase your cable car insurance rate in Pennsylvania. The average price for drivers with a travel rapidly ticket is $ 2,141 per annum. That is $ 323 more than the average annual rate for drivers with a clean record, which is $ 1,818. The cheapest car indemnity companies in Pennsylvania for a driver with a travel rapidly slate and entire coverage are :

  • Erie: $1,378 per year
  • State Farm: $1,494 per year

If you or a kin penis are in the military, you can purchase coverage from USAA, which offers insurance for Pennsylvania drivers with tickets for just $ 1,104 per year on average .

Average Car Insurance Rates With a Ticket
  • company per annum monthly
  • 1 .USAA $ 1,104 $ 92
  • 2 .Erie $ 1,378 $ 115
  • 3 .State Farm $ 1,494 $ 125
  • 4 .GEICO $ 1,567 $ 131
  • 5 .Allstate $ 1,824 $ 152
  • 6 .Travelers $ 2,181 $ 182
  • 7 .Esurance $ 2,199 $ 183
  • 8 .Nationwide $ 2,236 $ 186
  • 9 .Progressive $ 2,642 $ 220
  • 10 .MetLife $ 3,656 $ 305

According to the National Highway Traffic Safety Administration, Pennsylvania has one of the worst rates for distract drive. In 2018, distracted drive accounted for 1,103 crashes in the express. Both perturb drive and accelerate is considered hazardous driving behavior by car insurance companies and may increase your rates. In Pennsylvania, the law prohibits drivers from interacting with any radio device, including texting, emailing or browsing the internet. While drivers face a $ 50 fine in Pennsylvania for perturb drive, the violation does not appear on any driver records. however, there are nowadays tougher penalties for crashes caused by texting while driving, including two years in jail. Clearing your record of a perturb drive crash will take some meter. In the interim, your indemnity rates will increase. Finding bum car policy rates with a ticket in Pennsylvania is potential with research. You should get multiple quotes and ask if there are ways you can lower your rate, like taking a driver ’ second education course.

Cheapest Car Insurance Companies in Pennsylvania for Drivers With Bad Credit

Drivers with poor credit scores in Pennsylvania have higher rates than those with healthy credit scores. The average annual rate for drivers with bad credit is $ 3,301. The average cost for drivers with good scores is $ 1,818 per year. MoneyGeek ’ second learn shows that the bum car policy companies in Pennsylvania for a full coverage policy if you have bad credit are :

  • Nationwide: $1,906 per year
  • GEICO: $2,095 per year
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For military members and their families, USAA ‘s average annual rate of $ 1,529 is the most low-cost for a Pennsylvania driver with bad credit .

Average Car Insurance Rates for Drivers With Bad Credit
  • ship’s company per annum monthly
  • 1 .USAA $ 1,529 $ 127
  • 2 .Nationwide $ 1,906 $ 159
  • 3 .GEICO $ 2,095 $ 175
  • 4 .Travelers $ 2,427 $ 202
  • 5 .State Farm $ 2,718 $ 227
  • 6 .Erie $ 3,220 $ 268
  • 7 .Allstate $ 3,365 $ 280
  • 8 .Esurance $ 4,580 $ 382
  • 9 .Progressive $ 4,873 $ 406
  • 10 .MetLife $ 5,994 $ 500

How responsible you are with your finances is a factor cable car indemnity companies use to determine your rates. If you have a high credit score, they believe you will have fewer claims and will offer you a lower rate. This effect is the face-to-face for people with humble credit scores. Pennsylvania allows insurers to increase rates when writing new policies, but they can not use your credit sexual conquest to affect renewals. According to Experian, Pennsylvania has an modal credit mark of 713. That ’ s slightly above the home average of 703. Check out the above mesa for estimates of what drivers in Pennsylvania will pay for car policy if they have bad credit. If you have a lower recognition score, your quotes will likely reflect that with higher rates. To lower your rates, double-check your credit report. If there are errors, make to fix them a soon as possible and then reevaluate with your policy company. make with a few policy companies and ask if and how they use your credit report. Bad citation will impact your rates more with some insurers than with others, then get respective personalized quotes to find low-cost car indemnity with bad credit.

Cheapest Car Insurance in Pennsylvania for Seniors

aged drivers in Pennsylvania tend to have slenderly higher car policy rates than young adults and middle-aged drivers. typically, aged drivers in Pennsylvania pay an average of $ 1,881 per class. That is $ 63 more than the annual average rate of $ 1,818 for a 40-year-old driver. The cheapest cable car indemnity companies in Pennsylvania for senior drivers with broad coverage are :

  • State Farm: $1,318 per year
  • GEICO: $1,396 per year

For those of you in military families, USAA has the lowest average annual rate for Pennsylvania seniors at $ 1,054 .

Average Car Insurance Rates for Seniors
  • company per annum monthly
  • 1 .USAA $ 1,054 $ 88
  • 2 .State Farm $ 1,318 $ 110
  • 3 .GEICO $ 1,396 $ 116
  • 4 .Erie $ 1,408 $ 117
  • 5 .Nationwide $ 1,733 $ 144
  • 6 .Travelers $ 1,743 $ 145
  • 7 .Allstate $ 1,913 $ 159
  • 8 .Esurance $ 2,441 $ 203
  • 9 .MetLife $ 2,536 $ 211
  • 10 .Progressive $ 2,584 $ 215

There are enough of options for cheap cable car insurance for seniors in Pennsylvania. Senior drivers who have a clean drive record can find good deals based on their know and cognition on the road. however, as we long time, we face new physical, ocular and genial challenges. According to NHTSA, drivers over the old age of 65 are creditworthy for 15.9 % of the state of matter ‘s baneful crashes. Pennsylvania begins retesting adults over the age of 45 to ensure their ability to drive safely. Drivers are randomly chosen prior to their driver ’ randomness license refilling and are required to undergo a vision and physical examination. Depending on the results, a driver ’ s examen and knowledge test may besides be required. When looking for the best rates, consider taking a driver ’ randomness education naturally. Under Pennsylvania department of state law, drivers 55 and older are eligible to receive a 5 % discount on their vehicle policy by completing the Mature Driver Improvement Course. Make surely your indemnity party knows you have completed the course to ensure you get the rebate.

Cheapest Car Insurance in Pennsylvania for Young Drivers

insurance providers consider young drivers riskier to insure due to their miss of experience on the road and charge them higher premiums as a solution. In Pennsylvania, a 16-year-old driver ‘s car indemnity costs an average of $ 4,354 per year, while a 25-year-old driver pays an average annual rate of $ 1,828. Although Allstate offers the cheapest car policy quotation for drivers aged 16, State Farm, on average, offers the most low-cost quotes to the majority of senesce groups in that range .

Annual Car Insurance In Pennsylvania for Young Drivers

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  • historic period average cost Cheapest company company cost
  • 16

    $4,354

    Allstate

    $3,990

  • 17

    $4,175

    Allstate

    $3,665

  • 18

    $3,777

    Allstate

    $3,256

  • 19

    $3,977

    State Farm

    $3,101

  • 20

    $3,325

    State Farm

    $2,718

  • 21

    $2,706

    State Farm

    $2,269

  • 22

    $2,540

    State Farm

    $2,020

  • 23

    $2,228

    GEICO

    $1,704

  • 24

    $2,039

    GEICO

    $1,429

  • 25

    $1,828

    GEICO

    $1,365

Auto insurance companies value feel and a history of safe drive. For teenagers, this takes time to build and maintain. That ’ mho why policy rates are higher for young drivers. however, there are ways to find the cheapest car indemnity for students. In general, you should constantly seek out as many discounts for young drivers as possible, while comparing rates from multiple companies to find the most low-cost option.

Insurance Rate Information for Military Drivers and Veterans

For the 2,500 active-duty military personnel and 800,000 veterans in Pennsylvania, there are military discounts available with car policy plans. major insurance companies offer a discount to stay competitive with one another. Military-focused insurance companies work entirely with armed forces personnel and some indemnity companies cater just to veterans. The Pennsylvania Insurance Department offers tips on bribe car indemnity equally well as the state of matter ‘s requirements for minimum coverage. A overhaul extremity can maintain Pennsylvania vehicle registration or switch it over to the state where they ‘re stationed. If registered in Pennsylvania, the annual reclamation in most cases can be completed on-line. All the forms you need are here .

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Average Rates for Pennsylvania service members

male 25 years

$1,418

50 years

$1,133

female 25 years

$1,418

50 years

$1,133

Car Insurance in Pennsylvania: What You Need to Know

All vehicle owners must provide proof of car liability coverage to register a car or hand truck for legal road function in Pennsylvania. You need to carry proof with you on the road : either your insurance ID menu, a digital translation on a mobile device or a copy of your policy .

Minimum Liability Insurance Requirements in Pennsylvania

Drivers in Pennsylvania have two choices for car insurance : entire tort or limited tort. limited tort, besides known as no-fault policy, pays up no matter who causes an accident. however, it besides limits your rights to sue another driver for annoyance and suffer ( except for catastrophic injuries ). With full-tort policy, you maintain your veracious to sue, but your premiums will be higher. Either means, you ‘ll have to buy liability coverage to cover the monetary value of injuries or damages in an accident. These are the country minimums : bodily injury :

  • $15,000 per person
  • $30,000 per accident

property damage :

  • $5,000

checkup Benefits :

  • $5,000

Uninsured and underinsured motorist policy is not required in Pennsylvania but is offered by all insurers. You must decline in writing if desired .

Alternatives to Insurance in Pennsylvania

The one alternative choice available is self-insuring. To do indeed, you need to first show proof of fiscal responsibility to the Department of Transportation and then submit a deposit. This can be in the form of cash, a bond, a letter of accredit or an escrow deposit and the sum required will vary .

How Much Coverage Do You Need in Pennsylvania?

The coverage total needed depends on the car you ‘re driving and how a lot you can afford. If you get a new car loanword or lease a vehicle, you will likely have to buy collision and comprehensive examination indemnity to protect your cable car. The state ’ mho minimum requirements for liability policy wo n’t cover all of the damages in a catastrophic accident. The Insurance Information Institute recommends at least $ 100,000 liability coverage per injury and $ 300,000 per accident. Uninsured motorist policy is besides a smart purchase if you can afford it.

Cheapest Car Insurance in Pennsylvania by City

car insurance costs in Pennsylvania vary significantly based on your location in the country. For the average driver, Pittsburgh ‘s full-coverage annual car indemnity rate of $ 973 is the lowest in the express. Allentown features the most expensive modal annual insurance quotation at $ 1,054. Click on your area for extra information on the cost of local anesthetic car policy .

Average Insurance Rate by City in Pennsylvania

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  • City annually monthly
  • 1 .Allentown $ 1,054 $ 88
  • 2 .Philadelphia $ 2,134 $ 178
  • 3 .Pittsburgh $ 973 $ 81

FAQs About Car Insurance in Pennsylvania

For many Pennsylvania drivers, the main concerns when it comes to car policy are the cost of premiums and the level of coverage .

Based on average rates, USAA and GEICO have the bum car insurance in Pennsylvania for minimal coverage .

The average driver in Pennsylvania with a clean drive record typically pays an average of $ 1,818 per year. The average cost of car indemnity in the state is approximately $ 152 per calendar month .

The best way to keep your car indemnity rates low in Pennsylvania is to maintain a clean driving record and improve your credit history .

MoneyGeek ’ s research found that Travelers ranked as the best car insurance supplier in Pennsylvania.

Expert Advice on Finding Cheap Car Insurance in Pennsylvania

To help you find trustworthy and accurate penetration on car insurance in Pennsylvania, MoneyGeek gathered expert advice from established professionals. The views and sentiments expressed are those of the individual subscriber .

  1. What are the key factors drivers in Pennsylvania should look for when searching for the best car insurance coverage ?
  2. What steps can drivers in Pennsylvania take to find low-cost cable car insurance ?
  3. How practice regulations and rules in Pennsylvania impact policy price and how consumers might shop for coverage ?

Archish MaharajaArchish Maharaja Archish Maharaja Professor of Business and Director of Graduate Programs at Point Park UniversityGary SullivanGary Sullivan Gary Sullivan Assistant Professor of the F. W. Hirt Erie Insurance Risk Management Program at Mercyhurst UniversityPhil Stuczynski, M.B.A.Phil Stuczynski, M.B.A. Phil Stuczynski, M.B.A. Lecturer in Business and Finance at Penn State Behrend

Compare Auto Insurance Rates

see you ‘re getting the best rate for your car indemnity. Compare quotes from the acme insurance companies. widget-location-pin About the generatorexpert-profileexpert-profile Danielle is a master journalist with fifteen years of experience covering current events from the 2008 fiscal crisis to the COVID-19 global economic recession. As a former television news producer, she focuses on sharing relevant and factual stories that stimulate personal increase and cognition. Danielle graduated from the acclaim University of Missouri School of Journalism with a focus in Broadcast Journalism. With six out-of-state moves and three home purchases under her belt, she has first-hand experience navigating state regulations, insurance and real number estate. She presently lives in Colorado with her conserve and a greyhound named Oreo .

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