Pennsylvania requires that all drivers carry auto insurance. This makes roads safer and helps protect countless individuals from serious injuries.
There are a few ways to get car insurance in Pennsylvania, including self-insuring and getting coverage through an insurer. 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 auto insurance coverage in PA
The state requires drivers to have bodily injury liability coverage of at least $15,000, and property damage liability coverage of at least $5,000. These policies pay for any medical and legal expenses associated with a car crash that is 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. When determining your insurance rate, each company uses different rating factors. It's therefore important to shop around and find the best deal.
Discounts for 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. Some companies give discounts for various things like avoiding traffic infractions, maintaining a clean driving record, or installing safety features on your vehicle.
You can also get a discount on your Pennsylvania car insurance by bundling it with other policies like renters and homeowners. Some insurance providers offer discounts if you install a device that tracks your driving habits.
The best auto insurance companies of Pennsylvania
In order to identify the best auto insurance company, you should choose one that balances affordability, customer satisfaction and financial stability. 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 each receive high marks in consumer studies, have some of the cheapest rates in Pennsylvania and provide a host of car insurance coverage options.
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, the insurance company must be licensed in the state and allow consumers to buy and manage their 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. GEICO offers lower premiums, but also higher customer satisfaction ratings.