The state of Pennsylvania requires all motorists to carry car insurance. This makes the roads safer and protects countless people from life-altering harm every year.
There are a few ways to get car insurance in Pennsylvania, including self-insuring and getting coverage through 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 car insurance in PA
In the state, drivers must carry bodily injury insurance of $15,000 and property damage insurance of $5,000 per person. These policies will cover legal costs and medical expenses resulting from an accident in which you are primarily at 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 for PA
You can save a lot of money on car insurance by taking advantage of discounts. This is one of many ways you can lower your car insurance rates. The majority of companies offer discounts in exchange for many things. These include avoiding traffic offenses, maintaining good driving records, and installing safety equipment on 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.
The best auto insurance companies of Pennsylvania
When it comes to identifying the best car insurance company, it's important to choose one that balances customer satisfaction, affordability and financial stability. WalletHub compared more than 30 of the largest car insurance companies in Pennsylvania to find the best options for consumers.
Travelers, Erie Insurance State Farm and USAA are the top five insurers of Pennsylvania. These five companies all receive high ratings from consumer studies. Their rates are among the cheapest in Pennsylvania.
Choosing a Car Insurance Company in PA
In order to be considered the "Best Car Insurance Company in Pennsylvania," an insurance company must have an average user review rating of 3.7 or higher on WalletHub, with a minimum of 10 reviews. In addition, it must be licensed and permit consumers to manage their policies and purchase them 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. GEICO's premiums are lower and its customer satisfaction scores are higher.