The state of Pennsylvania requires all motorists to carry car 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. 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 coverage for car insurance 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 all legal and medical fees that are related to a car accident, even if it's 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.
Insurance rates in PA vary depending on a variety of factors such as age, driving records, and credit scores. When determining your insurance rate, each company uses different rating factors. It's therefore important to shop around and find the best deal.
Discounts in PA
Discounts are an excellent way to save on your car insurance. This is one of many ways you can lower your car 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.
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 will offer you discounts if your install a telematics system that tracks your driving and provides feedback to the provider.
The top auto insurance companies in PA
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, USAA and Nationwide are the top five insurance companies in 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
A minimum of 10 reviews is required for an insurance firm to be considered as "Best Car Insurance Company" in Pennsylvania. 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. GEICO however has lower prices and higher ratings for customer satisfaction.