Pennsylvania requires every motorist to have car insurance. This makes the roads safer and protects countless people from life-altering harm every year.
Self-insurance and coverage by an insurer are two options for car insurance in Pennsylvania. A car insurance policy through an insurer is convenient and the most economical option. For some drivers, however, who have enough money to cover an accident themselves, self insuring could be a good option.
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 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 in 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. 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.
If you bundle auto insurance with other policies such as renters insurance or homeowners insurance, you can also save money on your Pennsylvania auto insurance. Some providers even offer savings if you install a telematics device that monitors your driving habits and reports back to the company about your driving performance.
The best auto insurance companies of Pennsylvania
When choosing the best insurance company for your car, it's essential to pick one that balances customer happiness, affordability and stability. WalletHub compared 30 of the biggest car insurance companies in Pennsylvania, to find out which ones were the most affordable and stable.
Travelers is the number one insurer in the state, followed by Erie Insurance, State Farm, and USAA. These companies are highly rated by consumers, offer the best rates in Pennsylvania and have a range of options for car insurance coverage.
Choosing a Car Insurance Company PA
To be considered as the "Best Car Insurance Company of Pennsylvania," an insurer must have a WalletHub average rating of 3.7 and higher, with a minimal of 10 reviews. In addition, it must be licensed and permit consumers to manage their policies and purchase them online.
MoneyGeek's scoring system found that Travelers is the highest-rated car insurance company in Pennsylvania, and they tied for first in claims and affordability with a satisfaction score of 3.03. GEICO however has lower prices and higher ratings for customer satisfaction.