UPDATED: AUGUST 07, 2023 | 2 MIN READ
Car insurance in Pennsylvania is moderately expensive. On average, the cost of car insurance in Rhode Island is $1,433 yearly – just 0.4% more than the national average. Many things determine the cost of your insurance. We will dive in and help you along the process.
Best Pennsylvania Car Insurance Companies
When looking for car insurance in Pennsylvania, you want to determine what’s more important to you. Customer service and cheap rates are usually priorities for drivers.
Cheapest Car Insurance In PA
State Farm has the cheapest rates for auto insurance in Pennsylvania. It costs $366 yearly for minimum liability car insurance, which is 32% below the state average.
Company With the Best Customer Service
NJM has excellent customer service but limited geographic availability. They scored 867 out of 1,000 in J.D. Powers’ 2021 U.S. Auto Insurance Study. Erie Insurance is another great option, scoring 856 out of 1,000.
Company With the Best Premium-Reducing Programs
Erie Insurance is an excellent insurer for great rates and premium-reducing programs. One great program they have is “Rate Lock,” which allows drivers with good driving records to add Rate Lock to their policy. Your insurer increases your rates only if you add or remove a driver or move; otherwise, your rate is locked in.
Company With the Best Discounts
GEICO is a great company for discounts. Their premium is generally higher at $916 yearly, but they have numerous discounts that help lower costs.
Local and Regional Auto Insurance Companies in Pennsylvania
American Independent Insurance
American Independent Insurance, a branch of Good2Go, is an auto insurance company that simply sells competitive insurance. Their focus is affordable car insurance that meets state minimum requirements.
The company offers high-risk drivers’ car insurance and a range of other coverages with liability, bodily injury liability, property damage, collision, comprehensive and more.
The variety of discounts available includes good driver, student driver, multi-vehicle, homeownership, defensive driving, and driver’s education.
Motorists Mutual Insurance Company
Encova is the new brand for Motorists Mutual Insurance Company and features auto insurance for a variety of vehicle types.
Coverages for personal injury, liability, towing/labor, collision, medical payments, comprehensive, uninsured/underinsured motorist.
The insurer offers discounts for married professionals, excellent driving records, long-time customers, and cars with anti-theft devices.
Donegal Insurance
Donegal Insurance is a highly-rated insurance carrier for Pennsylvania. The company boasts over 100 years of dedicated service to its customers and continues that tradition today.
The auto insurance coverages from Donegal include bodily injury liability, uninsured/underinsured motorist, and property damage liability. Other available coverages are collision, other than collision, and towing/labor.
Donegal Insurance features great discounts for restraints and other vehicle features, driver’s education class completion, and good grades.
Pennsylvania Insurance Demographics
Demographics play a large part in the rate you get for car insurance in Pennsylvania. These are some things that they take into consideration:
- Crime Rates: The violent crime rate rose 27% over the past year from 3.1 incidents per 1,000 to 3.9.
- Average Household Income: The average household income is $78,137. The median household income is $59,028.
- Median Age Range: The median age is 40.9 years of age.
- Education: In Pennsylvania, 32.3% of residents have a bachelor’s degree or higher.
Common Risk Factors In Pennsylvania
The common risk factors that occur in Pennsylvania that increase rates are:
- Distracted driving
- DUI
- Speeding
- Racing
- Property damage
- Reckless driving
- At-fault accidents
Auto Insurance Laws In Pennsylvania
In Pennsylvania, you must have car insurance to operate a motor vehicle. The minimum car insurance requirements for Pennsylvania include 15/30/5 in liability insurance and personal injury protection coverage. You face penalties, fines, and even jail time if caught without a license.
What are the minimum car insurance requirements?
You must have the minimum car insurance requirement to avoid penalties. It’s expected that your coverage includes $15,000 in bodily injury per person, $30,000 in bodily injury per accident, and %5,000 in personal injury protection.
Am I required to carry uninsured motorist coverage in Pennsylvania?
Pennsylvania doesn’t require uninsured motorist insurance. It’s recommended to add this to your policy to protect yourself if you’re in an accident with an uninsured motorist.
Pennsylvania SR-22 policies
If you’ve had a significant conviction, such as a DUI in Pennsylvania, you’re legally required to obtain an SR-22. It’s a form issued by your insurance company to ensure you have car insurance in Pennsylvania.
Is Pennsylvania a no-fault state?
Pennsylvania is a no-fault state. That means Pennsylvania requires at least $5,000 of personal injury coverage, which pays for any driver or passenger’s medical bills.
What happens if my vehicle isn’t properly insured in Pennsylvania?
If you’re caught without car insurance in Pennsylvania, you will face a minimum $300 fine, a three-month suspension of registration and driver’s license, and a restoration fee.
Does Pennsylvania accept digital insurance cards?
Yes, Pennsylvania allows proof of insurance to be shown digitally.
How Much Does Car Insurance In Pennsylvania Cost?
The cost of car insurance in Pennsylvania depends on many different factors. Where you live, age, gender, credit score, driving record, and insurer determine your rates.
Average Cost of Car Insurance By City
Where you live is a determining factor in how much you pay for car insurance in Pennsylvania. Some cities have higher costs than others.
| City | Average Pennsylvania Car Insurance Cost | Difference From Pennsylvania Average |
|---|---|---|
| Allentown | $1,760 | -13% |
| Erie | $1,800 | -10% |
| Lancaster | $1,585 | -22% |
| Philadelphia | $3,300 | 65% |
| Pittsburgh | $1,840 | -8% |
Average Cost of Car Insurance By Company
Not all insurers are created equal, meaning you might pay higher rates at some companies than others.
| Car Insurance Company | Average Full-Coverage Premium (Annually) |
|---|---|
| Allstate | $3,360 |
| Erie | $1,290 |
| Nationwide | $1,110 |
| Safe Auto | $1,605 |
Average Cost of Car Insurance By Age
Age has a considerable impact on your car insurance. Younger drivers typically pay more for car insurance in Pennsylvania than older, more experienced drivers.
| Age | Average Full-Coverage Premium (Annually) |
|---|---|
| Age 16 | $2,375 |
| Age 18 | $4,920 |
| Age 20 | $3,815 |
| Age 25 | $1,965 |
| Age 30 | $1,775 |
| Age 40 | $1,480 |
| Age 50 | $1,560 |
| Age 60 | $1,475 |
| Age 70 | $1,575 |
Average Cost of Car Insurance By Gender
Gender does impact the rates you pay for car insurance in Pennsylvania, but not by much.
| Gender | Average Full-Coverage Premium (Annually) |
|---|---|
| Male | $1,400 |
| Female | $1,415 |
Average Cost of Car Insurance By Credit Score
Your credit score does impact your rates because, historically, it has been shown that people with excellent credit scores tend to be more dependable drivers.
| Poor | Average | Good | |
|---|---|---|---|
| National Average | $3,002 | $1,907 | $1,556 |
| Pennsylvania | $2,860 | $2,115 | $1,823 |
Average Cost of Car Insurance By Driving Record
Your driving record has a significant impact on your car insurance rates. Drivers with excellent driving records typically pay less for car insurance than drivers with poor records.
| Driving Incident | Average Full-Coverage Premium (Annually) | % Increase In Average Full-Coverage Premium |
|---|---|---|
| Clean Driving Record | $2,005 | 0% |
| Speeding Ticket | $2,240 | 13% |
| Accident | $2,695 | 35% |
| DWI/DUI | $3,720 | 87% |
What Optional Coverages Should You Consider?
Pennsylvania car insurance has the following optional coverages available:
- Uninsured motorist coverage
- Rideshare
- Collision
- Comprehensive
- Medical expenses
- Liability
- Optional bodily injury
- Roadside assistance
Auto Insurance Discounts
There are many different discounts available for Pennsylvania auto insurance. The discounts they offer include Anti-theft, good driver, advanced quote, multi-policy, good student, engaged couple, and defensive driver.
FAQs
How much is monthly car insurance in PA?
Car insurance in Pennsylvania is as low as $28 monthly for minimum coverage through State Farm.
What is the average cost of auto insurance in Pennsylvania?
On average, the cost of car insurance in Pennsylvania is $1,433 yearly.
What is the minimum car insurance in Pennsylvania?
The minimum car insurance requirements include 15/30/5 in liability insurance and personal injury protection coverage.
Is it illegal to drive a car without insurance in PA?
Yes. If you drive without car insurance in Pennsylvania, you face penalties, fines, and suspensions.
Why is car insurance so expensive in Philadelphia?
Cities with more density typically mean higher claims rates which increase the premiums in Philadelphia.
How To Purchase Pennsylvania Car Insurance
Purchasing car insurance in Pennsylvania has never been easier. It’s as simple as filling out an online form to get multiple car insurance quotes. Then, choose the option best for you.
Related Content
- Find Cheap Car Insurance In Philadelphia, Pennsylvania
- Penalties For Driving Without Insurance In Pennsylvania
- Pennsylvania Car Insurance Laws & Requirements
- What States are No-Fault States?
- Guide For SR-22 Insurance In Pennsylvania
