Erie has the cheapest full-coverage auto insurance for most Pennsylvania drivers. Progressive is the cheapest for minimal coverage. Erie, Progressive and Nationwide are the cheapest car insurance companies for Pennsylvania drivers, according to our survey of the state's top providers. Progressive has the cheapest rates in the state for drivers who want car insurance with minimal coverage.
Nationwide is the best source of cheap auto insurance in Pennsylvania if you have bad or bad credit. Erie has the cheapest car insurance rates for Pennsylvania drivers with a ticket or accident on their record. Nationwide and Progressive are the cheapest for those with a DUI. Young drivers tend to pay more for car insurance than older drivers.
That's true even for the cheapest auto insurance companies for young drivers in Pennsylvania, Progressive and Erie. The average rates that Progressive and Erie charge to 18-year-old drivers are more than double what they charge 35-year-old drivers for auto insurance with minimum and full coverage, respectively. Like other states, Pennsylvania has insurance laws that require drivers to have at least minimum levels of certain types of auto insurance coverage. Understanding your wants and needs, working with an authorized agent, and getting quotes from different companies are solid strategies to use when buying car insurance.
If you've spent time researching how to save on car insurance in Pennsylvania, you've probably come across tips for taking advantage of car insurance discounts. Discounts are one of the best ways to save on car insurance in Pennsylvania, and most companies offer at least a few ways to save. Driving without insurance in Pennsylvania is illegal and could result in fines and license suspension. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.
Pennsylvania drivers aged twenty-five can find affordable auto insurance with full coverage through Travelers and Nationwide. Your Pennsylvania insurance company must also offer uninsured or underinsured motorist coverage to all drivers, although these options can be refused in writing. Auto insurance providers in Pennsylvania offer a variety of discounts to help motorists save on their premiums. Buying car insurance with minimal coverage that only meets the state's coverage requirements is a good way to get the lowest possible rate, but it leaves you vulnerable to having to pay high out-of-pocket costs if you have an accident.
While the average cost of car insurance in Pennsylvania isn't high compared to the national average, you might be looking for cheaper insurance that fits your budget. This table shows the average rates for car insurance with full coverage in cities in Pennsylvania, based on the profile of a 35-year-old driver with a good credit score and a clean driving record. Finding the discounts that best fit your needs and situation is an essential step in looking for the cheapest car insurance.