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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Cheapest car insurance in Pennsylvania in 2022
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Updated Nov 03, 2022 Find cheaper car insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Get my free quotes Select from a variety of trusted carriers + MORE How it works Caret Down Get matched with personalized offers Tell us a little about yourself so we can share accurate and personalized offers. We only ask for info we know will impact your rate. Choose the best policy for you Compare your options from carriers who want to work with you, and select as many offers as you'd like. Finalize your rate and policy details Once you pick the carrier you want, finish the process by phone with an trusted agent or entirely online. That's it! On This Page
Penn National offers the cheapest minimum coverage in Pennsylvania with an average annual premium of $217 per year. However, while minimum coverage may be cheap, it also provides very little financial protection and can put you at risk for high out-of-pocket costs if you get into an accident. If you want more coverage but are still looking for low rates, Geico has the cheapest average full coverage premium in Pennsylvania at $916 per year. In comparison, the in the Keystone State is $427 for minimum coverage and $1,476 for full coverage. If you're shopping for , Bankrate's research may help you find companies that tend to offer low average rates. We'll also show you how to keep your cheap premium once you've found it. See More The cheapest car insurance companies in Pennsylvania
Bankrate utilized average quoted premium data obtained from to determine the cheapest car insurance companies in Pennsylvania. These carriers offer some of the cheapest rates in the Keystone State, but we also reviewed each provider's coverage offerings, discounts, policy features and third-party customer satisfaction scores from and financial strength ratings from AM Best. These features, combined with low average rates, may help you avoid skimping on coverage while you shop for cheap car insurance in Pennsylvania. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. The cheapest companies for minimum coverage in Pennsylvania
If you are shopping for the cheapest auto insurance in Pennsylvania, you might be considering purchasing . While a minimum coverage car insurance policy can help you secure the lowest average cost, it can also leave you vulnerable to higher out-of-pocket costs if you cause an accident. Most insurance agents recommend that you purchase higher limits for more financial protection. If you are shopping for minimum coverage, these companies have some of the cheapest auto insurance in Pennsylvania: CAR INSURANCE COMPANY AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM AVERAGE MONTHLY MINIMUM COVERAGE PREMIUM Penn National $217 $18 $240 $20 QBE $241 $20 $2767 $22 $272 $23 The cheapest companies for full coverage in Pennsylvania
Shopping for cheap car insurance companies doesn't mean you have to buy minimum coverage. You can find options at affordable prices as well. by comparing quotes. A full coverage car insurance policy provides financial protection for damage to your vehicle as well as the damage you cause to others. CAR INSURANCE COMPANY AVERAGE ANNUAL FULL COVERAGE PREMIUM AVERAGE MONTHLY FULL COVERAGE PREMIUM $916 $76 Penn National $971 $81 QBE $1,042 $87 $1,058 $88 $1,079 $90 Events that can impact your cheap rates in Pennsylvania
If you've recently experienced a life event, you might have seen an increase in your premium. Shopping around for coverage after the following life events might help you secure a lower rate: : Teen drivers generally cost more to insure than adults due to their lack of experience and higher-than-average rates of accidents. You might be able to lower the insurance cost for your teen by taking advantage of discounts. Rates will generally decrease as a young driver gains experience. : Speeding can increase the risk of accidents and make accidents more serious. Getting convicted of a speeding ticket will generally increase your rates for three to five years. Insurance companies increase the cost for coverage to compensate for the increased risk of insuring you. : Causing an accident means that insurance companies may view you as more likely to cause another. Just like with tickets, this generally results in a premium increase for three to five years. After the accident is old enough, you might see your rates go back down. : If you have a few accidents, tickets, a or a combination of incidents on your record, you might be considered a high-risk driver. Not all insurance companies will write coverage for high-risk drivers, so you may need to shop around for a new policy. Your rates will likely be higher than if you had a clean driving record, but you might still be able to find affordable coverage. Cheapest cities in Pennsylvania for minimum coverage
The varies by city and even ZIP code. Different areas of Pennsylvania have different costs of living, different healthcare and medical costs and different crash statistics, all of which can affect the price of car insurance. Below are the four cheapest cities for minimum coverage, based on our research. City AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM AVERAGE MONTHLY MINIMUM COVERAGE PREMIUM Beech Creek $305 $25 Julian $306 $26 Loganton $306 $26 Mill Hall $306 $26 Cheapest cities in Pennsylvania for full coverage
Your city and ZIP code can affect how much you pay for full coverage in Pennsylvania, too. In addition to the cost of medical care and accident rate statistics, the price of parts and labor in your area may be higher or lower than average, which could affect the cost of your and . The following cities have some of the cheapest full coverage premiums in Pennsylvania. City AVERAGE ANNUAL FULL COVERAGE PREMIUM AVERAGE MONTHLY FULL COVERAGE PREMIUM Houserville $1,126 $94 Pine Grove Mills $1,126 $94 State College $1,128 $94 Park Forest Village $1,129 $94 Minimum coverage requirements for Pennsylvania drivers
Like other states, Pennsylvania has insurance laws that require drivers to carry at least minimum levels of certain car insurance coverage types. The state requires that all drivers maintain at least the following : $15,000 bodily injury liability per person $30,000 bodily injury liability per accident $5,000 property damage liability per accident $5,000 (called "First-Party Benefits" or "FPB" in Pennsylvania) Your Pennsylvania insurance company must also offer to all drivers, although these options can be declined in writing. Pennsylvania is a , but drivers can choose between two "tort" options. Limited tort gives drivers the right to sue an at-fault party for medical expenses, but not pain, suffering or any nonmedical expenses. Full tort means that drivers can sue for both medical and nonmedical costs associated with injuries in an accident. Although purchasing the minimum amount of required car insurance will allow you to legally drive, you may want to purchase higher liability limits to better protect your finances if you cause an accident. You could also consider collision and comprehensive coverage to provide coverage for damage to your own vehicle. This is called "full coverage car insurance" and is generally a requirement if you have a loan or lease on your vehicle. Here is how to find and keep cheap car insurance in Pennsylvania
Shopping for cheap car insurance in Pennsylvania doesn't have to be complicated. You can employ a few strategies to find the most affordable rates for types and levels of coverage that you need. Once you have cheap car insurance, you can take steps to help keep your rates low. Shop around: Different insurance providers use different rating algorithms to determine your premium, which means that the cost for the same coverage can vary. Getting quotes from a few different companies might help you find the lowest rates for your situation. Avoid accidents and tickets: Drivers with clean driving records generally pay less than drivers with a history of accidents or tickets. These incidents can be indications of risky driving habits and they generally result in a premium surcharge. Keeping a clean driving record can help you avoid those increases. Frequently asked questions
Finding the for your needs may take a bit of research. Each company is different and each driver brings a unique situation to their search. Understanding your wants and needs, working with a licensed agent and getting quotes from a few different carriers are all solid strategies to use while shopping for car insurance. In addition to comparing price, you might also want to compare coverage options, company features and third-party reviews from , and other rating agencies. Combined, these factors could help you find the right company for you.
Yes. The state of Pennsylvania has minimum requirements for car insurance coverage. All drivers must carry at least these minimum levels, although most insurance agents advise that you purchase higher limits or even full coverage. is illegal and could result in fines and license suspension. If you cause an accident without insurance, you'll be responsible for the damages you cause out of pocket.
Yes, your credit is a rating factor in Pennsylvania. Drivers with lower credit scores in Pennsylvania tend to file more claims, which means they are a greater risk and thus pay higher premiums on average. Increasing your credit score might help you gradually lower your premium. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state's requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Compare rates and save on auto insurance today! Get quotes Close X Written by Cate Deventer Insurance Writer & Editor Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand.