Pennsylvania requires that all drivers carry auto insurance. It makes roads safer, and it protects thousands of people every year from serious injury.
Self-insurance and coverage by an insurer are two options for car insurance in Pennsylvania. It is more convenient and affordable to purchase coverage from an insurer. However, self-insuring can be an option for drivers who are able to pay for accidents out-of-pocket.
Minimum coverage for car insurance in PA
Each driver in the state is required to carry $15,000 bodily injuries liability insurance, and $5,000 property damages liability insurance. 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.
Insurance rates in PA depend on many factors, including your age, driving record 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. 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. You can save money if you use a telematics gadget that records your driving behavior and gives the insurance company feedback.
Top Auto Insurance Companies in PA
When choosing the best insurance company for your car, it's essential to pick one that balances customer happiness, affordability and stability. WalletHub compared over 30 of Pennsylvania's largest car insurance providers to determine the best choices 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
If an insurance provider wants to be named the "Best Car Insurance Company Pennsylvania," it must receive an average user rating of 3.7 on WalletHub with a minumum of 10 reviews. The insurance company also needs to be licensed by the state, and offer online purchasing and management of policies.
MoneyGeek found that Travelers had the highest rating for car insurance in Pennsylvania. The company was also ranked first in affordability and claims with a score 3.03 and tied in satisfaction. GEICO however has lower prices and higher ratings for customer satisfaction.