Pennsylvania mandates that all motorists carry auto insurance. This makes roads safer and helps protect countless individuals from serious injuries.
You can get auto insurance in Pennsylvania by self-insuring or through an insurance company. Self-insuring is the most cost-effective and convenient option, but some drivers may prefer to self-insure if they have the means to pay out-of pocket in case of an accident.
Minimum coverage for 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 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.
The insurance rates in PA are influenced by many factors including your driving record, age and credit score. The rates you pay for insurance are determined by different factors. You should shop around to find the best rate.
Discounts on PA
Savings on auto insurance is possible by using discounts. They're actually one of the best ways to reduce your insurance 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 get a discount on your Pennsylvania car insurance by bundling it with other policies like renters and homeowners. Some providers will offer you discounts if your install a telematics system that tracks your driving and provides feedback to the provider.
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 more than 30 of the largest car insurance companies in Pennsylvania to find the best options for consumers.
Travelers Insurance, Erie Insurance State Farm USAA, Nationwide Insurance and Travelers are the five top insurers in Pennsylvania. These companies have received high ratings in consumer surveys, offer some of Pennsylvania's cheapest car insurance rates and offer a wide range 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. A licensed insurance company in Pennsylvania must also allow customers to manage and buy their policies online.
MoneyGeek's rating system revealed that Travelers was the best-rated auto insurance company in Pennsylvania. They tied for first place in terms of claims and affordability, with a score of 3.03. However, GEICO has lower premiums and higher customer satisfaction scores.