In a perfect world, finding cheap car insurance in Pennsylvania would be an easy endeavor. Unfortunately, there are dozens of variables that affect your insurance premiums, and there’s no shortage of insurance providers vying for your business.
To make things easier, our team crunched the numbers and compared premiums from nine leading insurance providers to find low cost auto insurance in PA for:
Best Rates For Drivers With No Recent Accidents
Is your driving record clean? Or do you have an accident history? It should come as no surprise that your traffic record has a major impact on your auto insurance premiums.
As a safe driver, you shouldn’t have to pay out the nose for coverage, and even if your current rates are relatively low, you may still be able to save by switching to Progressive or Allstate—the two companies that triumphed in our quote comparison for accident-free drivers in Pennsylvania.
Best Rates For Teen Drivers
Young drivers are statistically more likely to cause a crash, which is why teenagers tend to pay higher premiums than their adult counterparts. Finding cheap car insurance rates for teenagers in Pennsylvania is no easy task, but our research indicates that State Farm is your best bet if you’re looking for Pennsylvania’s minimum required coverage.
Best Rates For Drivers With A DUI
Any traffic infraction can influence your insurance premiums, but a DUI conviction is typically followed by a particularly significant hike in monthly rates. Allstate was identified by our research to provide the cheapest auto insurance rates for drivers with a DWI or DUI conviction in Pennsylvania.
Best Rates For Senior Drivers
Allstate was found by our study to offer the best car insurance premiums for motorists in this category. Senior drivers usually travel less annual mileage than other motorists, which often translates into lower monthly premiums. Our study focused on a 65 year old who commuted 4,000 miles per year.
A 29-year-old driver with no recent accidents or traffic citations was used as the default policyholder in our study. The annual mileage was 12,000, and the vehicle being insured was a 2014 Toyota Corolla. To estimate the monthly premiums, we looked at average insurance rates for females and males from five PA zip codes. Liability coverage limits of 50/100/25 and uninsured motorist coverage limits of 50/100/25 were used for all driver types except teenagers.
What Is The Minimum Auto Insurance Coverage Required By Law In Pennsylvania?
In Pennsylvania, all drivers are required to carry car insurance that meets the following minimum limits:
- $15,000 To Cover Bodily Injuries To One Person
- $30,000 To Cover Bodily Injuries Per Accident
- $5,000 To Cover Property Damage
- $5,000 In Medical Benefits Per Collision