Pennsylvania requires that all drivers carry auto insurance. It is a way to make roads safer while protecting people from life-altering injury.
There are several ways to obtain car insurance coverage in Pennsylvania. These include self-insuring as well as getting coverage from an agent. The most convenient and cost-effective option is to get coverage through an insurer, but self-insuring may be a better option for some drivers who have the financial means to pay out of pocket for an accident.
Minimum Car 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 any legal fees and medical expenses that result from a car accident that's primarily your 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.
Insurance rates are affected by many factors in Pennsylvania, including age, driving record, and your credit score. Insurance companies use different rating criteria to determine your rate. Shop around for the best rates.
Discounts available 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.
In Pennsylvania, you can save on auto insurance if your policy is bundled with others such as homeowners or renters insurance. Some insurance providers offer discounts if you install a device that tracks your driving habits.
Top Auto Insurance Companies in PA
It's crucial to find the right car insurance company that can balance customer satisfaction with affordability and financial stability. WalletHub compared the top 30 car insurance companies from Pennsylvania to identify the best option for consumers.
Travelers, Erie Insurance State Farm, USAA and Nationwide are the top five insurance companies in Pennsylvania. These five companies all receive high ratings from consumer studies. Their rates are among the cheapest in Pennsylvania.
Choosing a Car Insurance Company 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. In addition, it must be licensed and permit consumers to manage their policies and purchase them 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. GEICO offers lower premiums, but also higher customer satisfaction ratings.