Pennsylvania requires every motorist to have car insurance. This helps to make the roads safer by protecting countless people each year from potentially life-altering injuries.
In Pennsylvania, you can choose to self-insure or get coverage from an insurer. 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
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 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. Insurance companies use different rating criteria to determine your rate. Shop around for the best rates.
Discounts on PA
You can save a lot of money on car insurance by taking advantage of discounts. In fact, they're one of the most common ways to lower your rates. Most companies offer discounts for a variety of things, including avoiding traffic violations, maintaining a good driving record and installing safety devices in your vehicle.
In Pennsylvania, you can save on auto insurance if your policy is bundled with others such as homeowners or renters insurance. You can save money if you use a telematics gadget that records your driving behavior and gives the insurance company feedback.
Top car 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 Insurance, Erie Insurance State Farm USAA, Nationwide Insurance and Travelers are the five top insurers in Pennsylvania. Each of these companies receives high marks from consumer studies. They also offer some of the lowest rates in Pennsylvania, and a variety of coverage options.
Choosing a Car Insurance Company PA
For an insurance company to be considered "Best Car Insurance Company In Pennsylvania", it must have a WalletHub user rating of 3.7, or higher. There should also be a minimum number of reviews. In addition, it must be licensed and permit consumers to manage their policies and purchase them online.
MoneyGeek’s scoring system determined that Travelers has the highest-rated insurance company for Pennsylvania. Travelers tied with them in both claims and affordability. Their satisfaction score was 3.03. However, GEICO has lower premiums and higher customer satisfaction scores.