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. Car insurance is mandatory if you have a car in Pennsylvania, but it doesn't have to exceed your budget. Pennsylvania is one of many states that allow insurance companies to use their credit rating as a factor in the cost of their premiums. Penalties for driving without insurance in Pennsylvania include fines and the suspension of the driver's license and registration.
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. Katie Powers is an insurance writer at Insurify with a license as a property and accident insurance producer in Massachusetts and experience in personal finance and auto insurance issues. Comparing the quotes of numerous auto insurance companies will help you ensure that you find the best coverage rates that fit your individual car insurance needs. Low state rates of uninsured drivers, vehicle thefts and disasters contribute favorably to auto insurance rates in Pennsylvania.
In addition, the average cost of car insurance in Pennsylvania is the same for younger drivers as it is for those who are driving for the first time because of their lack of experience. The BMW 330i and Toyota Prius typically pay more than average, while Ford F-150 and Honda Odyssey drivers pay below the average cost of car insurance in Pennsylvania. The tables below show the cheapest car insurance rates for different ages for teens in Pennsylvania. That's because every driver has unique features that are included in their car insurance rates and each insurance company considers rates differently.
A DUI can cost a thousand dollars or more a year in higher insurance premiums and charges, and the violation can remain on your driving record for life in Pennsylvania unless it's canceled. Auto insurance providers in Pennsylvania offer a variety of discounts to help motorists save on their premiums.