Auto Insurance in Pennsylvania
Pennsylvania’s auto insurance rates are right in line with the national average — $1,661 per year, compared to $1,669 nationwide. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Pennsylvania Minimum Liability
Pennsylvania’s state minimum liability coverage is $15,000 per person for bodily injury coverage, $30,000 total for bodily injury per accident, and $5,000 in property damage coverage. This is well below the industry-recommended minimum of 50/100/50.
Although the state-mandated minimum may seem adequate, bodily injury insurance claims averaged $15,443 in 2013, with property damage claims averaging $3,231. This would make you responsible for at least $400 in out-of-pocket costs, and half of all claims are even more expensive than that. Opting for an increased level of protection, such as 100/300/100 coverage, will provide a more complete safeguard against excessive out-of-pocket costs.
Request quotes from multiple auto insurance companies and compare the rates for different levels of coverage. Each aspect of your driving history has a varying amount of influence on the rates you’ll be given, depending on the insurance company. You may be able to receive more coverage for less money by shopping around.
Cheapest Car Insurance in Pennsylvania
For drivers who place cost over any other factor, these auto insurers provide the least expensive coverage. In head-to-head comparisons, the companies listed here offered the most affordable insurance rates in Pennsylvania.
While low premiums are an advantage, there is a downside to cheaper insurance as well. These companies may not be able to offer live customer support 24 hours a day, seven days a week, and they may be a bit slower to complete claims than more expensive insurers. However, these are often insignificant considerations to budget-savvy drivers, making these car insurance companies very advantageous options.
Most Popular Companies by Marketshare
The companies listed here are the most popular car insurers in Pennsylvania. They cater specifically to Pennsylvania drivers, providing exact coverage for their needs.
Keep in mind, however, that the most well-known insurance company may not necessarily be the best. Many popular companies have large marketing and advertising budgets, giving them the upper hand. While it’s definitely worth your time to request quotes from these insurers, you may be able to find more comprehensive coverage or lower rates from less well-known companies. Compare the coverage and premium amounts from less popular companies so you can make certain that you’re going with the absolute best option.
Choosing the Best Car Insurance in Pennsylvania
The best insurance companies in Pennsylvania are well represented in this list of most popular providers. A number of considerations were taken when compiling this list, such as the types of coverage offered, premium rates, claim management, customer satisfaction, and the overall strength and credibility of the company.
The ability to build a long-term, positive relationship with an insurance company is important. These companies have all demonstrated a history of dependable protection and deep-rooted commitment to good service, making them excellent companies to begin your search for car insurance.
Where is car insurance most affordable?
Where you live has a lot of bearing on how much you’ll pay for car insurance.
Where you live plays a big part in how much you’ll pay for car insurance. On average, people in Philadelphia pay more in premiums than drivers in Lancaster, with Philly residents paying quite a bit over the national average and Lancaster residents paying less. As with other factors, getting multiple quotes from a number of companies will give you the best idea of what your actual insurance premium should look like.
Philadelphia Auto Insurance
Philadelphia is the state’s biggest population center, with about 1,553,550 people living in the city limits. Insurance premiums in Pennsylvania’s largest city are much more expensive than the state average. This is due to factors such as more drivers on the road, which increases the chance of car accidents, and higher theft and property crime rates. The city does provide public transportation, but most people get around by car, so you’ll need to have adequate coverage.
Pittsburgh Auto Insurance
Pennsylvania’s second largest city, Pittsburgh, is home to 305,563 people. The typical auto insurance premium here is lower than both the state and national averages, due to the city’s smaller size. However, the exact amount you’ll pay ultimately depends on individual factors such as your driving record and the kind of vehicle you own.
Allentown Auto Insurance
With a population of 118,632, drivers in this Pennsylvania city enjoy rates that are below the state average. Your individual premium rate depends on thing like how many tickets and accidents are in your driving history, as well as your age.
Erie Auto Insurance
Erie is the fourth most populated city in Pennsylvania, with 103,717 residents. Erie drivers pay lower auto insurance premiums than both the state and national averages. However, you have to take factors such as your driving habits and age into account when you’re rate shopping.
Reading Auto Insurance
Reading is home to 87,207 people, making it the fifth largest city in the state. Their average premium amount is lower than the state and U.S. averages. Reading does experience more tornadoes than other cities in Pennsylvania, so you want to have the right amount of protection to cover this possibility.
Bethlehem Auto Insurance
Bethlehem is the sixth largest city in Pennsylvania with 71,329 residents. Drivers in this city pay a lower average rate for their insurance than other people in the state. However, Bethlehem experiences more storms and tornadoes than other areas of Pennsylvania, so your insurance coverage has to be sufficient guard against these risks.
Scranton Auto Insurance
With 65,348 residents, Scranton is the seventh most populated city in Pennsylvania. The insurance rates here are lower than the average for the state and the country, which is a good thing because you definitely need a car to get around. Your rate may end up being more, or even less, than the average, depending on your driving habits and history, the kind of vehicle you drive, and your age.
Lancaster Auto Insurance
Lancaster is the last major city in Pennsylvania. It has 56,348 residents and average insurance premiums are well below the state and national median. This is due to the fact that, beyond a slightly increased risk for tornadoes compared to the rest of the state, Lancaster doesn’t have a high rate of insurance-affecting factors, such as a lot of vehicle thefts, so premiums stay low.
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