Pennsylvania requires every motorist to have car 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. 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
In the state, drivers must carry bodily injury insurance of $15,000 and property damage insurance of $5,000 per person. 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.
Your insurance rate in PA is influenced by a number of factors, such as your age, driving history, and credit rating. Each insurance company considers different rating factors when determining your rate, so it's important to shop around for the best deal.
Discounts available in PA
Your car insurance can be cheaper if you take advantage of discounts. These discounts are one of most common methods to lower rates. Many companies will offer discounts if you avoid traffic violations, maintain a good driving history, and install safety devices on your car.
You can also get a discount on your Pennsylvania car insurance by bundling it with other policies like renters and homeowners. Some providers may offer discounts for installing a telematics unit that tracks driving habits and sends the information back to them.
Top car insurance companies in PA
When choosing the best car insurer, it is important to balance affordability, customer service, and financial security. WalletHub compared over 30 of Pennsylvania's largest car insurance providers to determine the best choices for consumers.
Travelers, Erie Insurance State Farm and USAA are the top five insurers of 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 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. A licensed insurance company in Pennsylvania must also allow customers to manage and buy 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.