Car Insurance Quotes Pa Compare

Having vehicle insurance is not only a must in Pa, it is a legal necessity that all drivers must follow to maintain their financial stability and safety while driving. According to Pennsylvania law, drivers must maintain a variety of insurance policies to guarantee enough protection for both themselves and other road users. The primary coverages include Property Damage Liability, which covers damage to another party’s property, Medical expenses also known as Personal Injury Protection (PIP), which covers medical costs for the driver and passengers regardless of fault; Bodily Injury Liability, which compensates for injuries to other people in an accident; and the option of Limited or Full Tort, which specifies the scope of legal rights regarding a lawsuit for pain and suffering after an accident.

legal minimums of $15,000 per person and $30,000 per accident for bodily injury liability, $5,000 for property damage liability, and $15,000 per person and $30,000 per accident is required in Pa for both uninsured and underinsured motorist coverage. The average yearly cost of auto insurance in Pennsylvania is about $2,275, which is more than the national average by 4%. Several influencing factors, such as the driver’s age, the type and model of the car, and past driving experiences, all contribute to the cost. Having to meet the state-mandated coverages may also result in higher premiums. Drivers can therefore make wise decisions before acquiring coverage by being aware of these expenses.

Several key factors influence car insurance rates in Pa, making it key for drivers to conduct thorough research when selecting a policy. Key determinants include coverage and limits, the year, make, and model of the vehicle, annual mileage, the driver’s age and history, and even the specific zip code where the vehicle is registered. For instance, younger drivers or those with less favourable driving records may face higher premiums due to perceived risk.

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Cheap Liability Insurance in Pennsylvania

Our analysis shows that Travelers is the most affordable provider of minimal coverage, with an average six-month rate of $163, while the state average for liability-only coverage is $301 for a six-month policy.

You must have at least the minimum liability limits of $30,000 for bodily injury per accident, $5,000 for property damage per accident, and $15,000 for bodily injury per person to drive legally in the state of Pennsylvania. PA mandates $5,000 per accident for personal injury protection (PIP). The state additionally requires you to choose a tort option: a limited tort restricts your ability to sue another driver except for extreme circumstances, and a full tort allows a policyholder to sue for any post-accident pain and suffering.

Pennsylvania is also a no-fault state, meaning all drivers must use their insurance to cover their costs if an accident occurs, regardless of who is at fault. Learn more about car insurance requirements in Pennsylvania with our helpful guide.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers……………..$163……………………………….$27
Erie…………………….$230……………………………….$38
GEICO………………..$264……………………………….$44
USAA………………….$290 ………………………………$48
Progressive………….$296………………………………$49
State Farm…………..$300………………………………$50
Nationwide…………$311………………………………..$52
Allstate……………….$490………………………………$82

The Average Cost Of Car Insurance In Pennsylvania

In Pennsylvania, the average amount to pay is $2,275. Compared to the national average, this is 4% higher. even though several variables, including the driver’s age, location, and driving history, will affect the cost of your auto insurance.

Most Affordable Car Insurance Company in Pennsylvania?

It is good to find cheap auto insurance providers. It must be dependable in the event of an accident, even if affordability is your priority.

$817 lower than GEICO
$731 lower than Progressive
$839 lower than State Farm
$758 lower than Allstate

Pennsylvania Minimum Car Insurance Coverage Requirements

Choosing your auto insurance limit can be difficult. These are the bare minimums for Pennsylvania auto insurance.

Bodily injury liability coverage: $15,000 per person and $30,000 per accident
Property damage liability coverage: $5,000
Uninsured motorist coverage: $15,000 per person and $30,000 per accident
Underinsured motorist coverage: $15,000 per person and $30,000 per accident
First-party benefits: $5,000

Factors that Influence Car Insurance Rates in PA

A lot of reasons impact how much you have to pay for car insurance in Pennsylvania drivers, such as

The coverage and limits you choose
Car manufacture year, make, and model
What The car is used for and annual mileage
Driver age and driving history
Your zip code

How do I lower my car insurance cost in Pennsylvania?

To reduce car insurance costs in Pennsylvania, drivers and car owners may qualify for the following discount:

Multi-policy
Homeowner
Paid in full
Online quote

How to Get Car Insurance in Pa

To get insurance for a car, it’s very fast and easy through the following mediums:

Go online

Customize your policy’s coverages, limits, and deductibles.

Call us

Just call an insurance company and talk to a representative who will guide you through the steps to get insured

Ask an agent

Get expert advice from an independent agent near you.

Pennsylvania’s rules on electronic proof of insurance

If you are pulled over by the police and asked to provide proof of insurance, you may be wondering if you must have a paper copy of your card or if you can use an electronic version. In Pennsylvania, you can see an electronic copy of your insurance card on your mobile device.

How Have Pennsylvania Auto Insurance Rates Changed?

Over the previous 12 months, the average cost of annual auto insurance coverage in Pennsylvania went up by $277. The average annual payment for a driver in Pennsylvania is $1,894.

With a few exceptions in specific years, auto insurance costs have been rising since 2015. Rates decreased from 2019 to 2021, but expenses increased by more than $500 in 2022.

Year Avg. Annual Premium Yearly Change
2024…………$1,894……………………………….. $277
2023…………$1,617………………………………….$160
2022…………$1,777………………………………….$511
2021…………$1,266………………………………….-$72
2020………..$1,338…………………………………-$140
2019…………$1,478………………………………….-$2
2018…………$1,480………………………………….$88
2017…………$1,392…………………………………..$209
2016…………$1,183…………………………………..$88
2015…………$1,095…………………………………..$34

By prioritizing both affordability and reliability, drivers can secure coverage that not only meets legal requirements but also provides peace of mind on the roads. read more here

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