What are the cheapest car insurance quotes in Pennsylvania? Auto insurance or car insurance in most states is important for you to purchase. However, certain states have a high cost of auto insurance due to certain factors. However, finding Pennsylvania’s cheapest and most affordable car insurance is not easy. The recommendation is to compare rates across multiple car insurance providers or insurers.
Car insurance quotes in Pennsylvania comprise a wide range of affordable car insurance issuers that provide you with full coverage to protect you from financial loss. A car insurance quote is a policy or agreement between the issuers and the policyholder. This helps to protect you from financial loss when you get involved in a car accident. With a car insurance quote, you don’t have to wrong with the expense for repair as the insurance company got you covered.
Cheapest or affordable auto insurance quotes in Pennsylvania are straightforward to find only if you deepen your research by comparing rates from multiple issuers in Pennsylvania. In the article, you can find the most affordable car insurance in Pennsylvania.
What is the Average Cost of Car Insurance in Pennsylvania?
How Much is Car Insurance in Pennsylvania?
According to reports, the full coverage cost is about an average of $1,073 per year in Pennsylvania. While State Farm offers the cheapest rates at $1,052 on average and Geico is the most expensive auto insurance provider at the rate of $2,045.
However, you need to understand that several factors can affect car insurance rates in Pennsylvania which include city, zip code, insurance company, age, credit score, tickets and accidents on MVR, and more. All these can impact how much you pay for auto/car insurance in Pennsylvania.
| Insurance Company | Annual rate | Monthly rate |
| State Farm | $1,052 | $88 |
| Erie | $1,177 | $98 |
| Nationwide | $1,555 | $130 |
| Allstate | $1,771 | $148 |
| Progressive | $1,857 | $155 |
| Geico | $2,045 | $170 |
| USAA | $1,644 | $137 |
Cheapest Quotes in Pennsylvania for Minimum Liability Car Insurance
According to reports, State Farm offers drivers the most affordable quote in PA for minimum liability car insurance which costs $336 per year which is considered to be far below the state average.
Generally, the average cost of minimum liability car insurance in Pennsylvania is $497 per year and about $41 per month.
| Insurance Company | Annual rate | Monthly rate |
| State Farm | $336 | $28 |
| Erie | $353 | $29 |
| Allstate | $536 | $45 |
| Nationwide | $566 | $47 |
| Geico | $579 | $48 |
| Progressive | $628 | $52 |
| USAA | $481 | $40 |
Best Car insurance in PA for New Drivers
Different car insurance provider serves different purposes. For drivers with bad credit scores, you need to look for a suitable car insurance provider that offers good coverage for poor credit scores. However, for new drivers, here are the best car insurance to choose
- State Farm
- Travelers
- Geico
- Erie
- Allstate
- Nationwide
- Progressive
- USAA.
Also, you can explore other angles to find cheap auto insurance quotes in Pennsylvania for new drivers. The following listed above are good insurance providers for new drivers.
What Car Insurance is Required in Pennsylvania?
Pennsylvania law requires all vehicle owners to have car insurance, which is called maintaining financial responsibility in the state. This insurance covers injuries and property damage you cause to others in an accident. Here’s a breakdown of the required minimum amounts of coverage:
- Bodily Injury Liability: $15,000 per person and $30,000 per accident
- Property Damage Liability: $5,000
It’s important to note that this is just the minimum coverage mandated by the state. You may want to consider purchasing additional coverage depending on your needs and the value of your vehicle.
Pennsylvania Car Insurance Discounts
There are many car insurance discounts available in Pennsylvania. Here are some of the most common:
Good Driver Discount
This discount is offered to drivers who have a clean driving record, free of accidents and moving violations for a certain period of time. The discount can vary depending on the insurance company,
Good Student Discount
This discount is available to young drivers (typically under 25 years old) who maintain good grades in school. The discount can help offset the higher premiums that young drivers typically pay.
Low Mileage Discount
If you drive fewer than average miles per year, you may qualify for a low mileage discount. This discount recognizes that you are less likely to be involved in an accident.
Multi-Car Discount
If you insure multiple vehicles with the same company, you may qualify for a multi-car discount. This discount recognizes the administrative efficiency of insuring multiple vehicles together.
Homeowner Discount
If you own your home and insure it with the same company that insures your car, you may qualify for a homeowner discount. This discount recognizes that homeowners are generally more responsible drivers.
Mature Driver Discount
Drivers over the age of 55 may qualify for a mature driver discount after completing an approved defensive driving course.
Accident-Free Discount
Some insurance companies offer discounts to drivers who have been accident-free for a certain period.
Defensive Driving Course Discount
Taking a defensive driving course can help you improve your driving skills and may qualify you for a discount on your car insurance.
Military Discount
Many insurance companies offer discounts to members of the military and their families.
Pay-in-Full Discount
Some insurance companies offer a discount if you pay your car insurance premium in full upfront.
These are just a few of the many car insurance discounts available in Pennsylvania. By shopping around and comparing quotes from different insurance companies, you can be sure to find the best rate for your needs.
Finding the Best Car Insurance Quotes in Pennsylvania
Now that you understand the costs and coverage options, it’s time to find the perfect policy! Here are some tips:
- Shop Around: Don’t settle for the first quote you get. Get quotes from multiple insurers to compare rates.
- Consider Usage-Based Insurance: Telematics programs that track your driving habits can lead to discounts for safe drivers.
- Increase Your Deductible: Opting for a higher deductible lowers your premium, but you’ll pay more out-of-pocket if you need to file a claim.
- Bundle Your Insurance: Insuring your car and home with the same company can often lead to discounts.
FAQ
How much is car insurance in PA a month?
According to our research, the average cost of auto insurance in Pennsylvania for a month is $41 for a minimum coverage policy. If you’re looking for a full coverage policy costs $132 per month.
How do I compare car insurance quotes to PA?
The recommendation when looking for the most affordable or cheapest car insurance in any state is to compare the rates across multiple issuers. To compare car insurance quotes in PA, all you need to do is ask for quotes for three or four car insurance issuers and compare their quotes to find the cheapest quotes in PA.
Is the car insurance quote PA-free?
Yes, the car insurance quote is free to get in PA, and most insurance companies allow you to get free car insurance quotes from the website or through an insurance agent or phone number.
Is car insurance cheaper in NJ or PA?
Car insurance is cheaper in PA than in NJ.
How can I get a quote for car insurance in PA?
There are different ways in which one can get a quote for car insurance in PA. You can go through the official website enter your Zip Code and click Start a quote or Get a quote. Also, you can get a quote via the phone number or through an insurance agent for free.
Do you need car insurance in Pennsylvania?
In most states in the United States, it is important to have car insurance in Pennsylvania. According to Pennsylvania law, all Pennsylvania motor vehicle owners must have a car insurance policy or vehicle liability insurance. Not having car insurance in Pennsylvania is considered illegal.
Which postcode is the cheapest for car insurance in PA?
In other to find out the postcode that has the cheapest car insurance PA. All you need to do is access the various best car insurance rates in Pennsylvania and enter your Zip to find out if it offers the cheapest car insurance.