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Need help finding the cheapest car insurance rates in Scranton, Pennsylvania? Our team has poured over data to find out which providers have the best prices.
Cheapest Car Insurance Companies in Scranton
FAQs About Cheap Car Insurance in Scranton
Cheapest Car Insurance Companies in Scranton
| Cheapest Insurer | Driver Category |
|---|---|
| Liberty Mutual | Safe Drivers |
| USAA | Drivers in the Military |
| Metromile | Low Annual Mileage |
| Esurance | Drivers Who Pay Their Premiums Upfront |
Allstate | High-Risk Drivers |
| State Farm | Teen Drivers |
FAQs About Cheap Car Insurance in Scranton
What Are the Minimum Car Insurance Requirements in Scranton?
Scranton’s drivers must carry coverage meeting the minimum liability limits listed here:
• $5,000 for property damage
• $5,000 for medical benefits per collision
• $15,000 for bodily injuries per person
• $30,000 for bodily injuries per accident
What Are the Penalties for Driving Without Auto Insurance in Scranton?
Nicknamed the Electric City, Scranton is home to the nation’s first continuously-operating electrified street car. And while it’s easy to get around the city, you’re in for a shock if you’re caught violating Pennsylvania’s insurance laws.
Whether you’re a first-time offender or serial rulebreaker, the penalties are identical: Your driver’s license and vehicle’s registration will be suspended, you will be fined a minimum of $300, and must pay $180 to reinstate your license and registration down the line.
What Is Accident Forgiveness?
Whether you were at-fault or not, a collision can cause your rates to increase. Statistics has shown that drivers who’ve crashed in the past are far more likely to cause or be involved in another accident than those who have not. Accident forgiveness is an added policy feature that can protect you from a premium increase in the aftermath of crash. Typically, this addon only applies to not-at-fault accidents.
What Is a Deductible?
This represents the amount you must pay to cover a claim before your insurance pays. For example, if you have collision coverage with a $500 deductible, you will first have to pay $500 before this policy feature reimburses you for the remaining cost of repairs. A high deductible will reduce your rates but provides less financial protection in an accident. A low deductible will spike your premium but could save you thousands of dollars in the event of a worst-case scenario.
What Is Rental Car Coverage?
If you crashed your car and it is booked in for repairs or needs to be replaced, rental car coverage will cover the costs of renting another car while your vehicle is out of commission. We recommend adding this feature to your existing policy as it can help you avoid added costs after an accident.
What Is the Civil Penalty Option?
In Scranton, if you’re caught driving with no insurance, your license and registration may be suspended for up to three months. Paying the $500 civil penalty will allow you to retain your vehicle’s registration enabling other drivers such as friends and family to make use of your car during the license suspension period. You will have to purchase insurance meeting the state’s minimum liability limits before you can opt for the civil penalty.
