Pennsylvania mandates that all motorists carry auto insurance. It makes roads safer, and it protects thousands of people every year from serious injury.
You can get auto insurance in Pennsylvania by self-insuring or through an insurance company. In Pennsylvania, the easiest and most cost-effective way to obtain coverage is through an insurance company. But for those who can afford to pay for an accident out of their own pocket, self-insuring might be a more attractive option.
Each driver in the state is required to carry $15,000 bodily injuries liability insurance, and $5,000 property damages liability insurance. 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. As each insurance company has different rating factors, it is important to shop for the best price.
Discounts on PA
Your car insurance can be cheaper if you take advantage of discounts. They're actually one of the best ways to reduce your insurance 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 will offer you discounts if your install a telematics system that tracks your driving and provides feedback to the provider.
Top car 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 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 five companies all receive high ratings from consumer studies. Their rates are among the cheapest in Pennsylvania.
Choosing a Car Insurance Company PA
A minimum of 10 reviews is required for an insurance firm to be considered as "Best Car Insurance Company" in Pennsylvania. The insurance company also needs to be licensed by the state, and offer online purchasing and management of policies.
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's premiums are lower and its customer satisfaction scores are higher.