Pennsylvania requires that all drivers carry auto insurance. This helps to make the roads safer by protecting countless people each year from potentially life-altering injuries.
There are a few ways to get car insurance in Pennsylvania, including self-insuring and getting coverage through an insurer. A car insurance policy through an insurer is convenient and the most economical option. For some drivers, however, who have enough money to cover an accident themselves, self insuring could be a good option.
Minimum Auto Insurance in PA
Drivers in the state must have $15,000 of bodily injury liability insurance and $5,000 of property damage liability insurance per person. These policies cover medical costs and legal fees resulting from a car wreck that was primarily you fault. Additional optional types of coverage include uninsured/underinsured motorist insurance, which pays for your costs up to your policy limits if you're involved in an accident with an at-fault driver who doesn't have enough insurance to cover your losses.
The insurance rates in PA are influenced by many factors including your driving record, age and credit score. Each insurance company considers different rating factors when determining your rate, so it's important to shop around for the best deal.
Discounts in PA
The discounts you receive on your auto insurance are a great way to save money. In fact, they're one of the most common ways to lower your rates. Many companies will offer discounts if you avoid traffic violations, maintain a good driving history, and install safety devices on your car.
You can also save on your auto insurance in Pennsylvania if you bundle your car insurance with other insurance policies, such as renters or homeowners insurance. You can save money if you use a telematics gadget that records your driving behavior and gives the insurance company feedback.
Top auto insurance companies in PA
When choosing the best car insurer, it is important to balance affordability, customer service, and financial security. WalletHub compared Pennsylvania's top car insurance companies to find the best deals for consumers.
Travelers, Erie Insurance State Farm and USAA are the top five insurers of Pennsylvania. These companies have received high ratings in consumer surveys, offer some of Pennsylvania's cheapest car insurance rates and offer a wide range of coverage options.
Choosing a Car Insurance Company In PA
To be considered as the "Best Car Insurance Company of Pennsylvania," an insurer must have a WalletHub average rating of 3.7 and higher, with a minimal of 10 reviews. A licensed insurance company in Pennsylvania must also allow customers to manage and buy their policies online.
MoneyGeek found that Travelers had the highest rating for car insurance in Pennsylvania. The company was also ranked first in affordability and claims with a score 3.03 and tied in satisfaction. However, GEICO has lower premiums and higher customer satisfaction scores.