Insurance Co Of State Of Pa – To help you find the best auto insurance quotes in PA, our editorial team compares rates from the top insurance companies in the state in every zip code. The minimum coverage requirement to meet Pennsylvania state minimum coverage requirements is $15,000 in personal injury coverage per person and $30,000 per accident, and $5,000 in property damage coverage and $5,000 in health insurance coverage. A recommendation for a comprehensive coverage policy includes limits of liability beyond the state minimum, as well as group and general coverage.
Additionally, we list the best auto insurance in PA based on affordability for different drivers, customer service, convenience and availability of coverage.
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Erie has the lowest rates in Pennsylvania for small car insurance, at $26 per month, which is 35% below the state average.
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The average cost of car insurance in Pennsylvania is $40 per month, or $484 per year, whichever is less.
Limited car insurance is the lowest amount of coverage a car can afford. It is also the most effective form of insurance.
Limited liability policies in Pennsylvania cover injuries to other drivers and damage to their property, up to a set amount. There is also limited coverage for your personal injuries.
If you have a small claims policy and cause a major accident, you may have to pay for some of the damage yourself because your limits may not cover it all.
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Additionally, limited liability insurance will not cover damage to your own vehicle. That’s why we recommend full liability insurance to most drivers, especially those with cars that are 10 years old or older, or more expensive than before. of $3,000.
State Farm has the cheapest auto insurance quotes for full coverage policies in Pennsylvania. At $79 per month, State Farm is 36% lower than the state average of $124 per month.
Collision coverage pays for damages to your vehicle in an accident, regardless of who is at fault. Comprehensive coverage pays for damage to your vehicle in circumstances beyond your control, such as hail or a fire in your vehicle.
State Farm has the best auto loan quotes for Pennsylvania drivers with past tickets, DUIs or accidents.
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Drivers with accidents, speeding tickets and DUIs pay more for insurance than those with clean records. This is because insurance companies see these incidents as a sign that you are a high risk driver.
Your credit score can affect your insurance quote because there are more drivers with low credit scores.
State Farm offers the best rates for Pennsylvania drivers who have received a speeding ticket. A full coverage policy from State Farm costs $84 per month, which is 40% less than the state average of $141 per month.
In Pennsylvania, drivers with a single ticket pay 13% more on average than drivers with a clean ticket.
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State Farm just increased premiums by 15% after an accident, to $91 a month. That’s 51% less than the average cost of coverage in Pennsylvania.
Pennsylvania drivers can expect quotes to increase as much as 49% after an accident. However, not all insurance companies raise premiums at the same rate. For example, Geico increased the cost of car insurance by 81% after one accident.
That’s why it’s important to compare multiple quotes when buying a policy, especially after changing your driving record.
State Farm offers the cheapest insurance in Pennsylvania for drivers with a DUI on their record. The average is $84 a month for full coverage, which is half the state average cost.
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Drivers in Pennsylvania who receive a DUI citation can expect their car insurance premiums to increase by 37%, on average.
The country has the best low rates for Pennsylvania drivers with low credit scores. At $173 a month for full coverage, that’s 22% less than the state average.
Insurance companies charge Pennsylvanians with bad credit 78% more for comprehensive auto insurance than those with good credit.
The lowest deductible policy from Erie is 36% less than the state average, at $72 per month. Young drivers can get lower rates with USAA. However, you must be a member of the military or have a family member serving to purchase auto insurance from USAA.
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The average cost of small car insurance for an 18-year-old driver in Pennsylvania is $112 a month — nearly three times the cost for a 30-year-old driver.
Travelers offers the best rate for comprehensive coverage, at $181 per month. That’s 42% better than the Pennsylvania state average for young drivers, which is $312 a month.
In the event of an accident, young drivers benefit from collision protection and comprehensive coverage, which helps pay for damage to your own vehicle.
State Farm has the cheapest auto insurance for young drivers with speeding tickets. The average quote for the minimum is $86 per month, which is 30% less than the state average of $124 per month.
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If you’re a young driver caught speeding in Pennsylvania, your premiums will increase by about 11%, depending on your insurance company. Allstate and Progressive won’t pay young drivers after a single speeding ticket, while the cost of a small claims policy with Geico has increased by 28%.
State Farm has the best driving tips for young drivers who have been involved in an accident. The minimum liability insurance from State Farm is $95 per month, which is 32% less than the state average.
However, State Farm increased prices by 21% after an accident, which is more than some companies. Drivers with Allstate and Progressive saw the smallest price increases, at 13% and 14%, respectively. Young people who sign up with Geico can expect premiums to go up by 57%.
State Farm is the cheapest auto insurance company for married drivers in Pennsylvania. Even married drivers pay the same price for auto insurance as unmarried drivers with State Farm – $79 a month for full coverage. Progressive offers married drivers the biggest bonus – 19%.
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In Pennsylvania, married drivers pay 7% less for car insurance than unmarried drivers, on average. The fewer accidents unmarried drivers have, the less risk there is for insurance companies to cover.
Erie is our pick for the best auto insurance in Pennsylvania for most drivers, based on its reputation for excellent customer service, reasonable quotes and availability.
State Farm and USAA are good options to consider – both companies are rated highly for customer service, and they offer the lowest rates for Pennsylvania drivers. However, not all drivers can purchase car insurance from USAA – only military members, veterans and their families are eligible.
Companies known for excellent service have a simple claim process that can help you get back on the road quickly after an accident. Good customer service can drag out the claims process, and you can end up paying more for repairs.
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Philadelphia drivers pay the highest auto insurance rates in Pennsylvania – $229 per month for comprehensive coverage.
Drivers in Houserville, a small town in central Pennsylvania, have the lowest auto insurance quotes, at $98 a month.
In addition to your age, credit score and driving history, insurance companies also link your location to your driving record. Comprehensive car insurance in Pennsylvania can cost as much as $131 a month depending on where you live in the state.
Pennsylvania law requires drivers to have personal injury and property liability insurance, sometimes as late as 15/30/5. Pennsylvania drivers are also required to purchase health insurance coverage, which provides coverage for your personal injuries.
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Drivers can choose a single limit of $35,000, which covers both bodily injury and property damage claims.
This is the lowest speed limit you can legally drive on Pennsylvania roads. However, we encourage drivers to increase this limit if you can afford the price. The insurance company will pay for damages up to your policy limit. If you have an expensive accident, the minimum limit may not be high enough to cover all expenses, so you will have to pay the rest of the accident out of pocket.
Erie offers the cheapest auto insurance in Pennsylvania, at $26 per month for a low coverage policy. The best comprehensive insurance in Pennsylvania is from State Farm, at $79 a month.
The average cost of car insurance in Pennsylvania is $40 per month for a minimum coverage policy and $124 per month for a full coverage policy.
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Erie offers the best car insurance in Pennsylvania for most drivers. Our reviewers give the company 4.5 out of 5 stars. Also received high marks from J.D. Power for customer satisfaction and excellent financial stability ratings from AM Best.
Car insurance in Pennsylvania is relatively inexpensive compared to the rest of the country. It ranks as the 12th lowest state for a minimum coverage policy and the 11th lowest state for a full coverage policy. One of the reasons that Pennsylvania car insurance is low is the low rate of uninsured drivers.
Drivers in Philadelphia pay the highest auto insurance rates in the state. At $229 per month, a full coverage policy in Philadelphia is 84% more expensive than the state average. In contrast, drivers living in the state’s second largest city, Pittsburgh, pay