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Carol Pope is an insurance writer for Bankrate and, before joining the team, she worked as an auto insurance agent for 12 years. During this time, he sold, serviced and underwrote auto insurance for people across the country. He also has experience selling supplementary coverage, such as supplementary insurance. Maggie Kempken is insurance editor at Bankrate.
It helps manage the creation of insurance content that meets the highest quality standards in terms of accuracy and clarity to help Bankrate readers search for complex information on home, auto and life insurance. It also focuses on ensuring that Bankrate's insurance content represents and adheres to the Bankrate brand. Mark Friedlander is director of corporate communications at III, a non-profit organization that focuses on giving consumers a better understanding of insurance. Our mission is to provide readers with accurate and unbiased information, and we have editorial guidelines to ensure that this is the case.
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The content created by our editorial team is objective, fact-based and not influenced by our advertisers. Finding the best car insurance in Pennsylvania requires a bit of research, but Bankrate can make the process easier. Our insurance editorial team includes three licensed insurance agents with decades of combined industry experience. We analyzed Pennsylvania auto insurance companies using several key metrics to help you find the best option for your needs.
Founded in 1976, Bankrate has a long history of helping people make smart financial decisions. We have maintained this reputation for more than four decades by demystifying the financial decision-making process and giving people confidence in the actions to take next. Our insurance team is comprised of agents, data analysts and customers like you. They focus on the points that consumers are most concerned about: price, customer service, policy features and savings opportunities so you can be sure which provider is right for you.
These are sample rates and should only be used for comparison purposes. Answer a few questions to see personalized rates from major carriers. The average annual auto insurance premium with full coverage based on a 40-year-old driver with a clean driving record and good credit. The best car insurance in Pennsylvania will vary depending on your individual qualifying factors.
To find the best company for you, consider these tips to make sure your car insurance protects your finances the way you want. Pennsylvania requires its drivers to have at least certain amounts of car insurance in order to drive legally. Understanding minimum insurance laws could help you decide what coverage to buy. While you won't be able to buy less than the minimums required by the state, consulting the Pennsylvania Department of Motor Vehicles (DMV) website could help you understand how you're covered.
In Pennsylvania, you must have at least the minimum amounts of liability coverage for bodily injury and property damage. Both types of coverage have limits on liability per person and on liability per accident. Pennsylvania is a no-fault state, so drivers must also have at least minimum levels of personal injury protection (PIP), which in this state are called “first-hand benefits.”. This coverage provides medical benefits for your injuries and those of your vehicle's guests.
If you cause an accident, your car insurance coverage can help protect your finances and assets from expenses. Most auto insurance professionals recommend buying higher limits for greater financial protection. If you finance or lease your vehicle, there may be car insurance requirements in addition to Pennsylvania's state minimum limits. Most financial institutions require that you have full-coverage car insurance, including comprehensive and collision coverage, to protect your finances from damage to your car.
Leasing a vehicle can also mean that you must also have certain limits of liability. You may also want to consider supplemental insurance. Because vehicles depreciate relatively quickly, your loan balance may be greater than the total loss value of your vehicle. Gap insurance is designed to pay for this difference.
Your life circumstances can also affect your car insurance coverage and discounts. If you have a teen driver, for example, you're likely to pay a higher premium than you did before your child got the license. Looking for a company that offers discounts and safe driving programs for young drivers could help you lower your premium. Or you may have some accidents, fines, or a conviction for driving under the influence of alcohol on your record.
This means that insurance companies are likely to view you as a high-risk driver. Having realistic expectations about your premium and looking for companies with coverage options, discounts and features that fit your needs could help you find a good fit. Penn National, Nationwide, Geico and QBE are among the cheapest auto insurance companies in Pennsylvania, according to our research. However, while these companies offer cheap average rates, their rates will vary depending on your unique circumstances.
Your driving record, the type of car you drive, and the types of coverage you buy will affect your rates. The cheapest car insurance company will vary depending on your specific situation. When taking out car insurance, you'll need to provide personal information such as the name, address, day of birth and driver's license number of all drivers to include in the policy. To obtain information about the vehicle, the company will need the year, make and model of your car, the vehicle identification number (VIN) and the odometer reading.
If you know what coverage limits and deductibles you want, you can also provide them at the contribution stage. However, if you're not sure when it comes to quoting, that won't be a problem: an authorized insurance agent can help you explain the process and offer you several different coverage options if you want to compare them. If you purchased car insurance in Pennsylvania, you've probably been asked to confirm the coverage levels of several coverage options, including personal injury protection or PIP. Determining your car insurance limits can be difficult, so it would be helpful to talk to a licensed insurance provider.
Insurance companies charge Pennsylvanians with bad credit 78% more for car insurance with full coverage than those with good credit. Uninsured or underinsured motorist insurance isn't required in Pennsylvania, but it's offered by all insurers. That's because location-specific factors, such as incidences of car thefts and car accidents, can vary from city to city. However, you must be a member of the armed forces or have a family member who has served to purchase USAA car insurance.
In addition to business incentives, there are other options for getting affordable car insurance in Pennsylvania. However, not all drivers can purchase car insurance in the USAA; only members of the military, veterans, and their families are eligible. .