Cheapest Car Insurance Rates in 2023
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Cheap SR 22 Auto Insurance in Pennsylvania: Best Companies & Quotes
Personal Finance Expert
Tyron Jones is a finance expert who has operated within the auto insurance business for more than 10 years. He has written many other finance related articles for a number of prominent publications.
Best Car Insurance Companies in Pennsylvania
- State Farm
|AM Best Financial Strength Rating||A+||A++||A+||A++||A+||A+|
|JD Power 2019 Overall Customer Satisfaction score||5/5||5/5||2/5||3/5||3/5||3/5|
|Avg Annual Premium||$328||$471||$696||$708||$821||$1,056|
|Consumer Reports Reader Score||86||78||N/A||78||75||72|
Auto Insurance Statistics in Pennsylvania
Auto insurance rates in Pennsylvania used to be higher than the national rates over the past few years. Although there was a slight drop in 2009, the rates have since been steadily climbing. By having a look at the trend in rates, drivers can get an idea of the range they can expect to pay when it comes to auto insurance premiums in Pennsylvania.
Top 10 Cheapest Car Insurance Companies in Pennsylvania
|Rank||Company Name||Avg. Annual Premium|
|6||Atlantic States Insurance||$1,171|
Drunk Driving Fatalities
Drinking and driving is a dangerous and often deadly practice that continues to occur in states across the nation. If you are a driver in Pennsylvania, it helps to know how many fatalities occur each year as a result of drinking and driving. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Pennsylvania vs. nationwide.
Drunk driving fatalities in Pennsylvania from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Pennsylvania has remained at a rate that is almost the same as the national average. The data below demonstrates the level of drinking and driving taking place in Pennsylvania when compared to other states around the country.
Teen Drinking & Driving in Pennsylvania vs. Nationwide (2017)
SR-22 Insurance in Pennsylvania
While most states in the United States require certain drivers to have SR-22 insurance to return to driving, Pennsylvania is one of the few states that does not have this requirement. If you want to begin driving again, you will most likely not need your insurance company to submit this form.
Still, there might be other considerable measures you must take to ensure that you can drive again. In many cases, you will have to serve a lengthy suspension before you can operate a vehicle on US roads again. Either way, make sure to follow the orders of the Pennsylvania court or DMV before you begin driving again.
Car Theft in Pennsylvania
Car theft in Pennsylvania occurs at a rate that is lower than the national average. It is helpful to be aware of what the level of car theft is in the State you will be driving in. To protect against loss from vehicle theft it is advisable to obtain comprehensive car insurance coverage.
Vehicle thefts by rank nationwide vs. Pennsylvania
Uninsured Motorists in Pennsylvania
Without car insurance, drivers in Pennsylvania are liable to pay for expenses from a car accident from their personal accounts instead of from their insurance policies. In order to avoid this situation, it is recommended to carry uninsured and underinsured motorist coverage. The below data shows how well Pennsylvania ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Automotive Insurance Coverage in Pennsylvania
Pennsylvania is a gorgeous state that's located in the northeastern region of the United States. Pennsylvania residents often have to rely on automobiles to get around. Although efficient public transportation is indeed available in many parts of the state, it's not easily accessible everywhere. That's exactly why Pennsylvania is such a big driving area. If you're a driver in Pennsylvania, you need to make sure that you have car insurance at all times. You don't have to fork over an arm and a leg to have car insurance in Pennsylvania, either. There are quite a few inexpensive auto insurance options available to people who are looking in the state.
The Perks of Top-Quality Auto Insurance Plans in Pennsylvania
Choosing a solid auto insurance plan in Pennsylvania is a task that requires a lot of consideration. Auto insurance is critical for so many reasons. A great car insurance plan can bring so many useful advantages to the table. It can sometimes cover stolen vehicle replacement costs. It can sometimes even cover costs for weather damage, animal collisions, fire destruction and flood destruction. If you're the kind of person who likes feeling secure and safe, then you're someone who should investigate the most thorough car insurance options that are accessible to you. A great car insurance plan can make you feel safe. It can make you feel more confident any time you're behind the wheel as well. If you're committed to the idea of choosing a dependable yet affordable car insurance plan in Pennsylvania, you have to approach the situation with ample caution and care.
Important Auto Insurance Factors
There are numerous important auto insurance factors that can greatly influence your decision. You should be aware of auto insurance limits. If you're looking for auto insurance in Pennsylvania, you need to focus on property damage liability, bodily injury liability, underinsured motorist and uninsured motorist coverage options. You also have to concentrate on coverage that's necessary for first party benefits. It's important to be sure to understand everything in significant detail prior to making any major decisions. If you want to feel 100 percent secure with your choice, you should ask a knowledgeable family member or friend in Pennsylvania to give you sound advice. It can also be intelligent to work with an experienced and trained agent in Pennsylvania. Professional guidance can go a long way for people who are looking for affordable and trustworthy options in car insurance plans.
Never go with the first auto insurance plan you encounter. Choosing auto insurance coverage in Pennsylvania isn't a competition. You have no reason in the world to rush the process. You should assess as many quotes as possible. Find an auto insurance plan that can accommodate your budget well. It isn't only important to focus on price, however. It's just as essential to pay attention to quality. Weak car insurance coverage won't do much good for you. You have to prioritize car insurance plans that are simultaneously comprehensive and inexpensive. There thankfully are quite a few plans that cover both of those bases in Pennsylvania.
Many Auto Insurance Company Choices in Pennsylvania
Pennsylvania is a state that gives people many choices in everything. It even gives drivers many choices in prominent auto insurance providers in Philadelphia and the rest of the cities in the state. Established companies that offer in-depth auto insurance plans in the state include Erie Insurance, Nationwide, The Travelers Companies, StateFarm and USAA. If you want to choose a car insurance plan that's cheap, you should think about your individual situation. USAA car insurance can be particularly inexpensive for drivers who have ties to the military. StateFarm and Erie Insurance plans can be especially cheap for drivers who are currently retired. Erie Insurance, Nationwide and The Travelers Companies plans can be economical choices for people who have low credit scores. Nationwide, Erie Insurance and StateFarm coverage can be inexpensive for individuals who are on the young side. If you're a twenty-something driver who is looking for superb coverage in Pennsylvania, it may be smart to look into an exhaustive Nationwide, Erie Insurance or StateFarm plan. If you're looking for inexpensive Pennsylvania auto insurance coverage, an open mind is without a doubt your greatest asset.
Types of Auto Insurance Coverage in Pennsylvania:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Auto Insurance Requirements in Pennsylvania
There are minimum requirements for auto insurance in the state of Pennsylvania. According to The Pennsylvania Department of Transportation, each vehicle in the state needs to be covered by a minimum of medical as well as liability insurance coverage
Medical and Liability Insurance Minimums Include:
Medical Payments minimum:
- $5,000 per accident
- $15,000 per person
- $30,000 per accident
- $15,000 per accident for property damages
Source: Pennsylvania Department of Transportation
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, we want you to be able to save on the cost of car insurance each year. One way to do this is with auto insurance discounts. Auto insurance discounts can help you save as much as possible on the cost of car insurance. Browse the list below to find some of the auto insurance discounts you can use to save on your car insurance expenditures each month or year in Pennsylvania.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Information on Auto Insurance
This section will cover a lot of what’s and a few why’s and how’s on the general nature of auto insurance in the state.
What is the minimum car insurance in PA?
Why does Pennsylvania make you have car insurance?
In Pennsylvania auto insurance, what does full tort vs limited tort mean?
Why does Pennsylvania have limited and full tort car insurance?
How does car insurance in Pennsylvania work?
What is better to buy in Pennsylvania, no fault or tort auto insurance?
What does liability only auto insurance definition under Pennsylvania law cover?
What is the difference between stacked and unstacked auto insurance in PA?
What is considered full coverage auto insurance in PA?
Getting the Right Auto Insurance
Auto insurance is not a one-size-fits-all kind of deal. You have to know what is right for you.
What do I look for in car insurance for PA?
Who are the best auto insurance companies in Pennsylvania?
What are the best auto and home insurance companies in PA?
What car insurance company covers Pennsylvania and Virginia?
What are Pennsylvania car insurance companies required to cover for total loss?
What is the most popular auto insurance company in Pennsylvania?
How much is car insurance in PA?
Who has the cheapest car insurance in PA?
In PA, how much does your car insurance increase one total accident?
How much is car insurance in State Farm in Pennsylvania?
What is the average annual increase in auto insurance premiums in Pennsylvania?
At what age do auto insurance rates decrease in PA?
How much does an antique car insurance cost a year in Pennsylvania?
How do I get a PA car insurance?
How soon do I need car insurance in Pennsylvania?
How long can a child stay on their parent’s car insurance in Pennsylvania?
How do I get temporary car insurance in Pennsylvania?
Do I have to get car insurance for my teenager who just got a permit in Pennsylvania?
Do you need to have insurance when you buy a car in PA?
Is there a grace period for auto insurance in PA when you buy a new vehicle?
When should I take insurance off car in Pennsylvania?
How late can you be on car insurance in Pennsylvania?
How much is full coverage motorcycle insurance in Pennsylvania?
Accidents and Liabilities
Should you get into an unfortunate situation, when and where does your insurer come in? Find this out in great detail through the questions below.
What is my liability if I lease a car but insurance is in my child's name in Pennsylvania?
How to claim insurance on car accident in PA?
In Pennsylvania, how are auto accident claims resolved when insurance can't cover all claims?
In Pennsylvania, if I were in an accident while driving a friend’s car whose insurance would cover the damages?
When can I expect the insurance company to settle after my car accident in PA?
What do I need on Pennsylvania insurance to pay car damage in hit and run?
How do I recoup money from person with minimum car insurance in PA?
According to Pennsylvania law, auto insurance pays what percentage of income loss?
How long do you have to file a car insurance claim in Pennsylvania?
Rules Regarding Auto Insurance
What are the pitfalls that you have to avoid regarding your auto insurance? This and many more would be discussed in this section.
Who regulates auto insurance in Pennsylvania?
What happens when you let your car insurance lapse in PA?
What happens to your if you don’t pay your car insurance in Pennsylvania?
In Pennsylvania, how soon do you have to get auto insurance after yours has lapsed?
How do I check if a Pennsylvania insurance auto policy is valid?
When registering your car, will they check with your insurance to make sure it is still active in Pennsylvania?
Who has to notify Pennsylvania state when you switch to a new car insurance?
Can I keep my Indiana SR22 high risk insurance in Pennsylvania?
With the ins and outs of insurance already discussed, miscellaneous concerns about transferring car ownership and the latest news on the insurance industry.