For the almost 9 million licensed drivers in the state of Pennsylvania, finding the best car insurance can also mean finding the cheapest car insurance. Pennsylvania drivers are in luck as they have a considerable number of good choices.
Our top picks for 2020’s cheapest car insurance in Pennsylvania not only provide competitive rates but also offer some of the best coverage to protect you and your family.
The cheapest car insurance companies in Pennsylvania
Pennsylvania offers many great choices for excellent car insurance coverage, but you will quickly notice that the pricing varies considerably.
Based on expert critique, real customer reviews and real-world insurance quotes, the three cheapest car insurance companies for Pennsylvania drivers in 2020 are USAA, Farm Bureau and Erie Insurance.
If you or an immediate family member are an active or retired member of the U.S. military, you are eligible for a policy with USAA. USAA provides discounts to eligible policyholders such as a military installation discount of up to 15% if you garage your vehicle on a military installation and special discounts based on the number of miles driven annually for drivers over the age of 29.
You are also eligible for a policy discount as well as accident forgiveness if you maintain a good driving record for more than five years, and completing a defensive driving course can also lower your premiums. If you have another family member that is also insured by USAA, this qualifies you for a family discount, and setting up automated payments can save you up to 3%.
Farm Bureau Mutual
Farm Bureau Mutual Provides auto insurance in Pennsylvania through a partnership with Nationwide. Together, they provide policy discounts for being a member of a qualifying organization or university alumni group. There are also discounts for safety devices and staying claims-free, and you can bundle multiple policies, such as vehicle and home insurance, to lower your premium. Student and member loyalty discounts are extra ways to save.
If you drive less than 7500 miles annually, you are eligible for a low-mileage discount. Farm Bureau also looks out for drivers under the age of 25 who are eligible for an extra discount by completing Farm Bureau’s young-driver safety program.
Erie Insurance is a smaller provider, like Farm Bureau, but still excels in its coverage options and discounts. Like USAA and Farm Bureau, you can receive discounts for bundling multiple policies, such as vehicle and home insurance, or even multiple vehicles. Maintaining a clean and safe driving record can qualify you for a safe driver discount, and low-mileage discounts are available for those that drive under a certain number of miles annually.
If your vehicle has safety features such as airbags, you are eligible for a discount, and young drivers are eligible for discounts if they are good students or still live with their parents. Pre-paying for a one-year policy upfront can also garner you some extra savings.
Affordable coverage for Pennsylvania drivers
Before you can begin shopping for car insurance, it’s important that you first understand what you need. Like other states, Pennsylvania requires that you carry a minimum amount of auto insurance. We’ve already done the research, so let’s dive into those requirements.
Auto insurance in the state of Pennsylvania is mandatory. The state requires that all drivers maintain minimum liability coverage of $15,000 for bodily injury per person, $30,000 for bodily injury per accident, $5,000 for property damage per accident and $5,000 per person for the first-party medical benefit.
How to get cheap car insurance in Pennsylvania
Aside from company discounts, there are other ways to get cheap car insurance in Pennsylvania.
- Shop your options. Don’t assume the big-name companies are necessarily the best or the cheapest. Be sure you browse their websites, see what plans they offer and compare pricing and discounts.
- Don’t overlook your regional and local insurers. Often, these smaller companies are able to provide lower premiums with higher satisfaction ratings.
- Consider your credit score. Your credit score can have either a positive or negative effect on your insurance quote, so be sure that you are paying your bills on time and monitoring your credit score.
Not all vehicles are the same when it comes to pricing. When shopping for a new car, keep in mind that some vehicles will be more expensive to cover than others. If you have an older vehicle, you may want to waive comprehensive and collision coverage if the market value of that car is low. Paying for that type of coverage may not be worth the cost.
If you want to keep your premiums down, you may want to bring your deductible up. While a higher deductible would require more out of pocket expenses in the event of a claim, it will also reduce your upfront or monthly policy payment.
Frequently asked questions
What is the best car insurance in Pennsylvania?
The best Pennsylvania car insurance depends on what kind of coverage you need for your specific vehicle. USAA and Amica Mutual carry some of the highest satisfaction ratings in the industry, but USAA tends to be more affordable if you are a military driver.
Who offers the cheapest car insurance in Pennsylvania?
Based on our research, USAA, Farm Bureau (through their Nationwide partnership) and Erie Insurance offer the most affordable auto insurance in Pennsylvania. However, this will vary from person to person based on specific factors like where you live, what kind of car you have and how much you drive.
Is car insurance required in Pennsylvania?
If you are a driver in the state of Pennsylvania, you must carry a minimum of $15,000 per person and $30,000 per accident in bodily injury liability coverage, $5,000 in first-party medical benefits, and $5,000 in property damage liability coverage. Underinsured motorist coverage minimums are $15,000 per person and $30,000 per accident, while uninsured motorist coverage is $15,000 per person and $30,000 per accident.
What is the average cost of car insurance?
The average cost of car insurance in Pennsylvania is right around $918 per year. Pennsylvania prices fall about average on the national scale, making it much easier for residents to attain.