The Keystone State has so much to offer its residents, from the exciting cities of Pittsburgh and Philadelphia, to historic Gettysburg, to beautiful Lake Erie, and even the deliciously exciting Hershey’s Park! Whether you’re a born and bred local or a new resident, chances are you’ll need a car to get around. And wherever there’s cars, there’s car insurance.
Keep reading to learn everything you need to know about car insurance in Pennsylvania.
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Let’s get right into it. The average Pennsylvania auto insurance rate is:
These are some pretty good rates when compared to the national averages:
We do have to keep in mind, however, that these are average costs. They do not reflect what each and every person can expect to pay for their car insurance policy. This is because car insurance rates are also affected by factors such as age, driving history, and type of vehicle.
But these average rates can give you a good baseline to assess what you might be expected to pay for insurance in the state. For example, if a company quotes a rate drastically above or below the average, then you should start asking questions.
Not everyone realizes this, but it is illegal to drive without insurance.
This is true in almost every state and Pennsylvania is no exception. Drivers in Pennsylvania must carry at minimum:
*Note: You can request to reject underinsured or uninsured motorist coverages.
If you are caught driving without meeting these Pennsylvania car insurance requirements, you can be fined up to $300 and have your driver’s license, vehicle registration and license plate suspended for three months. Plus, you’d be totally financially responsible for any accidents that might occur.
Remember that these are just the minimum coverage limits according to Pennsylvania car insurance laws. Insurance experts highly recommend carrying policies with increased limits to offer drivers more protection.
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Each coverage on your policy looks after a different type of expense that may be incurred. We thought it would be helpful to provide a brief explanation of what each of these coverages looks after:
When you hear the term “full coverage policy,” that refers to car insurance with all the legal minimum coverages, as well as comprehensive and collision coverage. This is the standard amount of coverage recommended to all drivers that are able to afford it.
That said, you can see how these additional coverages can be an asset. Of course, cost is a big factor in your decision. Next, we’ll explore ways to save on car insurance premiums, so you can pack in more coverage for less.
While we can look at the broader picture of car insurance across the state, insurance is ultimately personal. The perfect automobile insurance policy varies depending on your individual needs and budget.
In order to save money, no matter your situation, follow these important steps:
If you are diligent in understanding all of your options, finding the cheapest full coverage car insurance in Pennsylvania will be a breeze!
As you compare car insurance quotes in Pennsylvania, be sure to check out the following insurance providers. They are known for offering the most affordable car insurance rates in Pennsylvania!
Ideally, you’ll want at least three quotes from different providers to make sure you’re getting the best deal possible, so these companies are a great starting point. Get access to free quotes from these providers and more by clicking here.
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Young drivers have limited experience on the road, making them high risk to insurance providers. Young drivers tend to pay much more for insurance than adults do.
With that in mind, it’s important to get teen drivers on the road as soon as they are comfortable doing so. The faster they lock in a record of safe driving, the sooner those car insurance rates decrease.
Remember that Pennsylvania currently has the following laws in place for teen drivers:
Driving is both a privilege and a responsibility. Be sure to adhere to these and all other driving laws, no matter your age, for the safety of yourself, your passengers, and other drivers on the road.
This was quite a bit of information. But it wouldn’t be a comprehensive guide if we didn’t include everything, now would it?
When it comes to car insurance in Pennsylvania, remember:
Ready for Pennsylvania auto insurance quotes? Just ask and you shall receive. Click here for access to free quotes, fast.
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Margaret Huntley Margaret Huntley is a creative writing and philosophy student at Western University. She has been working as a freelance writer for over two years and has written about everything from insurance, to poker, to health and wellness for international businesses.
