Car insurance is mandatory if you have a car in Pennsylvania, but it doesn't have to exceed your budget. However, it's important to understand that the cheapest car insurance company in Pennsylvania varies for each driver. Geico, State Farm, Nationwide and The General are good places to shop if you need car insurance for people without drivers. You can also demonstrate your financial responsibility by maintaining minimal car insurance with no gaps in coverage.
That's because every driver has unique features that are included in their car insurance rates and each insurance company considers rates differently. Knowing several ways to save can also help you get the cheapest car insurance rates in Pennsylvania. Aside from that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies. The average cost of car insurance in Pennsylvania is 9% lower than the national average auto insurance premium.
There are several factors that affect how much you'll pay for car insurance in Pennsylvania, such as your driving history, age and location, the amount of coverage you buy, and the insurance company you buy it from. For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 16 percent more than the average premium 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. Buying Pennsylvania minimum liability auto insurance coverage is the easiest way to meet the financial responsibility requirement.
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. Your zip code, age, marital status, credit-based insurance score, driving history, claim history, the insurer you choose and the type of vehicle you insure will affect your car insurance rates in Pennsylvania. By getting some personalized quotes from different companies, you may be able to find the cheapest car insurance company in Pennsylvania for your particular situation.