Pennsylvania requires car insurance for all motorists. This makes the roads safer and protects countless people from life-altering harm every year.
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.
Minimum auto insurance coverage 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 will cover legal costs and medical expenses resulting from an accident in which you are primarily at 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. The rates you pay for insurance are determined by different factors. You should shop around to find the best rate.
Discounts available 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. Many companies will offer discounts if you avoid traffic violations, maintain a good driving history, and install safety devices on your car.
Bundling your auto insurance policy with another insurance policy, like renters' or homeowners' insurance, can save you money in Pennsylvania. Some providers will offer you discounts if your install a telematics system that tracks your driving and provides feedback to the provider.
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 PA
For an insurance company to be considered "Best Car Insurance Company In Pennsylvania", it must have a WalletHub user rating of 3.7, or higher. There should also be a minimum number of 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, on the other hand, has lower rates and higher scores for customer satisfaction.