Pennsylvania mandates that all motorists carry auto insurance. It makes roads safer, and it protects thousands of people every year from serious injury.
In Pennsylvania, you can choose to self-insure or get coverage from an insurer. In Pennsylvania, the easiest and most cost-effective way to obtain coverage is through an insurance company. But for those who can afford to pay for an accident out of their own pocket, self-insuring might be a more attractive option.
Minimum coverage for car insurance in PA
Each driver in the state is required to carry $15,000 bodily injuries liability insurance, and $5,000 property damages liability insurance. 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 in PA
Discounts are an excellent way to save on your car insurance. These discounts are one of most common methods to lower rates. Most insurance companies offer discounts on a wide range of factors, such as avoiding traffic tickets, maintaining an excellent driving record, and installing security devices in 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. Some insurance providers offer discounts if you install a device that tracks your driving habits.
The 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 over 30 of Pennsylvania's largest car insurance providers to determine the best choices for consumers.
Travelers, Erie Insurance State Farm and USAA are the top five insurers of Pennsylvania. These companies are highly rated by consumers, offer the best rates in Pennsylvania and have a range of options for car insurance coverage.
Choosing a Car Insurance Company in PA
If an insurance provider wants to be named the "Best Car Insurance Company Pennsylvania," it must receive an average user rating of 3.7 on WalletHub with a minumum of 10 reviews. Additionally, the company must have a license in the state. It also has to allow its customers to purchase and manage policies online.
MoneyGeek has found that Travelers, the top-rated auto insurer in Pennsylvania is tied for the first spot in terms of affordability and claims. With a satisfaction rating of 3,03, they are also tied at first place with respect to their claim settlements. However, GEICO has lower premiums and higher customer satisfaction scores.