Best Car Insurance in Pennsylvania

When looking for the best Pennsylvania auto insurance policy, there are a few things you’ll want to keep in mind. Let’s look at how you can get the best policy in the state and which insurers offer the best coverage for the cheapest premiums. 

In Pennsylvania, auto insurance may take some work to understand. The best auto insurance in Pennsylvania will vary depending on what the driver values more: cost or coverage. If you value cost over coverage, the best policy for you will likely be a minimum coverage policy from an insurer that offers low base rates and several discounts. If you value coverage over cost, the best policy for you will likely be a full coverage policy from an insurer offering several optional coverage options.

Suppose you feel that coverage and cost are equally important. In that case, the best policy for you will likely be a full coverage policy from an insurer that offers low base rates and several opportunities for discounts. 

The best policy in any state always abides by the minimum car insurance requirements mandated by law. In Pennsylvania, car insurance laws require all drivers to have at least $15,000 of bodily injury liability coverage per person, $30,000 of bodily injury liability per accident, $5,000 of property damage liability (15/30/5 liability coverage), and $5,000 in personal injury protection (PIP). If you finance or lease your vehicle, your lender or leaser may also require you to have comprehensive and collision coverages on your policy.

Drivers must also select a full or limited tort option on their policies. This selection opts the driver in or out of the no-fault system in Pennsylvania, which determines the policyholder’s right to sue the other driver if the policyholder is the victim in an accident. Full tort means the policyholder opts out of the no-fault system and has full ability to sue the at-fault driver in an accident.

Limited tort means the policyholder opts into the no-fault system and has limited ability to sue the at-fault driver in an accident. A full coverage policy will typically have a limited tort option, and a minimal coverage policy will typically have a full tort option.

While the average full coverage policy in Pennsylvania costs about $1,660 annually, which is lower than the national annual average premium of about $1,670, there may be a few ways to lower your premiums even further without sacrificing your coverage. Let’s look at ways to save on your policy while getting the best coverage.

The best car insurance in Pennsylvania is a policy that meets your coverage needs without breaking the bank. Several insurance companies and agencies in the Keystone State offer low base rates and several discounts that you may stack on your policy. Every Pennsylvanian will have different premiums because insurers use unique factors about you to determine your rates, such as your age, gender, ZIP code, credit score, and several other factors. 

These unique factors insurers use to determine premiums may help or harm you. For example, many residents of densely packed cities like Pittsburgh or Philadelphia pay higher premiums than those living in smaller, suburban, or rural areas like Scranton or West Reading. While insurers in Pennsylvania are allowed to use ZIP codes to determine premiums, they aren’t allowed to use the policyholder’s gender as a factor in their premiums. 

If these unique factors insurers use to determine premiums hurt you rather than help you, don’t lose hope yet. Many insurers offer low base rates and discounts to keep your premiums low while offering great coverage. 

While a few car insurance companies in Pennsylvania stand out, it’s crucial to remember that the best insurer for you will depend on your needs. The insurer with the best rates may not offer all the coverages you need, and the insurer with the best coverage options may not have the lowest rates.

Considering your individual needs is crucial when searching for the best car insurance policy for you. While some things may cause your premiums to be higher than average, like your ZIP code or age, some companies may stand out due to the discounts they offer or optional coverages that provide better protection for you and your vehicle. Let’s see the companies that stand out due to their discounts, coverage options, or low base rates.

When searching for auto insurance companies in Pennsylvania that best fit your needs, you will likely need to get quotes from several insurers before settling on the best policy for you. While the average full coverage premium in the state is about the same as the national average, many drivers may still choose to lower their premiums with low base rates or stackable discounts. 

Check out the top Pennsylvania auto insurance companies and what makes them stand out.

Progressive is one of our top choices for insurers in Pennsylvania because of their low base rates and plentiful coverage options. While the average full coverage policy comes out to about $1,840 annually, a bit higher than the state average, Progressive’s coverage options are worth the cost.

If that premium gives you a bit of sticker shock, don’t worry. Progressive also offers several discounts policyholders can use to lower their premiums. For example, they offer a telematics program where drivers can enroll to receive discounts for driving safely. Even without enrolling in the safe driving program, policyholders may be eligible for a discount each time they go six months without getting into an accident.

Drivers in the Keystone State get great rates when they have an auto insurance policy with Nationwide. This insurer’s average full coverage premium costs about $1,270 annually, making it nearly 25% less than the state’s average. Not only does Nationwide offer great coverage at a low base rate, but they also offer several opportunities for discounts, especially when bundling policies or insuring young drivers who get good grades.

Another one of our top choices for auto insurers in Pennsylvania is Geico. Geico is highly ranked in the state because they offer low base rates for great coverage options and plenty of opportunities for stackable discounts. The average full coverage policy with Geico in the state costs about $1,260, which is over 25% less than the state’s average. While Geico’s low base rates are quite the draw, their discounts are even more appealing. While they offer standard discounts, like bundling or multi-car discounts, they also have a unique safe-driving program to help policyholders lower their premiums.

Travelers is one of our top choices because they offer great coverage at a great price and consistently rank highly for customer service. The average full coverage policy with Travelers is about $1,150, making their premiums 30% less than the average premium in the state. Travelers offers standard discounts, like a safe-driving enrollment program and a good student discount, and they also offer unique discounts, like their hybrid or electric car discount.

State Farm is our top choice for auto insurance in Pennsylvania. Their low average base rate of $970 annually for a full coverage policy is too good to pass up, coming in at over 40% less than the average in the state. State Farm offers low rates for everyone, not just middle-aged drivers without any accidents on their record. On top of their low base rates, they also provide all the standard discounts, plus discounts for having safety or anti-theft features on your vehicle.

The best Pennsylvania insurance company for new drivers is State Farm because they offer low base rates and several discounts for young drivers or families with new drivers on their policies. If your new driver is a student, they may be eligible for State Farm’s good student discount, which may take up to 25% off your premiums. 

It’s important to remember, though, the insurer we think offers the best policy for the best rates may not be the most suitable fit for your needs. Doing thorough research before getting an auto insurance policy is crucial, especially when insuring a new driver.

The best Pennsylvania insurance agency or company for you will offer the coverage you need at a price you feel is fair. When searching for the best auto insurance policy in the state, you may value the cheapest policy, the policy with the most variety in coverage offerings, or the sweet spot right in the middle. The best way to find the best policy for you is to get and compare quotes online from several insurers.

Lucky for you, you’ve come to the right place to get quotes! Here at Clovered, you can use our free quoting tool to get quotes from the state’s top insurers in minutes. If you have any questions about the best policy for you, our agents are ready to assist you if you call us at 833-255-4117 or email us at [email protected].