No, there is no separate auto insurance policy for several states, since a standard auto insurance policy generally provides out-of-state coverage in all 50 states. Nor is there a multi-state auto insurance policy that originates in two or more states. Any auto policy you buy will originate in a single state, usually the state in which you reside. A standalone car insurance policy for teen drivers can be expensive because they are more likely to drive distracted, drive faster, carry a tailgate, and not wear a seatbelt.
However, the average cost of car insurance for teens will vary depending on the driver's exact age, zip code, driving history and type of vehicle. Learn more about the factors that affect car insurance rates. If you add your teen driver to your car insurance policy, they'll benefit from the same protection as you. By requiring specific liability insurance for victims of an accident caused by you, they can receive financial help for injuries and property damage without seriously affecting their own financial well-being.
Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. Fines, at-fault accidents, and drunk driving convictions are signs that you might be a high-risk driver, which can significantly increase car insurance rates in Pennsylvania. Insurance companies analyze population density, theft and vandalism statistics, the likelihood and severity of car accidents, the cost of living, and medical care to determine rates by zip code. Learn more about the coverage requirements and discounts available through Progressive, and find easy ways to get a Pennsylvania car insurance quote through us.
Getting car insurance for a young driver can be expensive due to their lack of driving experience, so a separate policy may not be the best option. However, it's important to understand that the cheapest car insurance company in Pennsylvania varies for each driver. Drivers who live in Scranton generally pay close to the average cost of car insurance in Pennsylvania to get full coverage, but drivers in Erie, Allentown and Pittsburgh get an average of 2 to nearly 6 percent savings above the state average. An auto insurance policy for a 16-year-old driver who just received their license is likely to be more expensive than a policy for an 18-year-old with more driving experience.
That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident. Knowing several ways to save can also help you get the cheapest car insurance rates in Pennsylvania.