Auto Insurance In Pa: How Much Does It Cost?

Pennsylvania drivers pay an average of $156 per month for full coverage car insurance, based on a 2023 rate analysis. The average cost of car insurance in Pennsylvania is $155 per month for full coverage. That's $10 per month less than the national average. The state's minimum coverage car insurance costs $375 a year. However, state minimum coverage isn't much protection for drivers. Pennsylvania drivers can expect to pay $1,872 per year for full coverage car insurance. The cheapest car insurance in Pennsylvania is offered by Erie, at $97 per month for full coverage. The average cost of a car insurance policy in Pennsylvania is $1,395 annually, which is $148 cheaper than the national average rate of $1,543 per year.

How much is full coverage auto insurance in PA?

The cost of full-coverage auto insurance in Pennsylvania varies depending on factors such as age, location, driving record, and credit score. The average cost of full-coverage auto insurance in Pennsylvania is around $1,280 per year, or $107 per month. However, the price can range from $664 to $2,852 annually, depending on the insurance company.

For example, Erie Insurance offers full coverage for $97 per month, while Dairyland Insurance charges around $2,852 per year. The cost of full coverage is also affected by the chosen deductible. A higher deductible can lower the premium, but it is important to ensure that the deductible is affordable in case of an accident.

Additionally, age plays a significant role in determining insurance rates. In Pennsylvania, drivers aged 22 to 29 typically pay the highest premiums, with an average annual cost of $1,576. As drivers mature, premiums tend to decrease, with those aged 60 and above enjoying the lowest average annual cost of $1,156.

Other factors that can influence insurance rates include driving record, credit score, vehicle type, coverage level, and location within the state. It is recommended to shop around and compare quotes from different insurance providers to find the most affordable option.

How much is liability-only auto insurance in PA?

The cost of liability-only auto insurance in Pennsylvania depends on several factors, including age, gender, and location. The state operates under a choice no-fault system, which means drivers can choose between a no-fault or traditional coverage plan. The minimum coverage requirements in Pennsylvania are as follows:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $5,000 property damage liability per accident
• $5,000 medical payments coverage

The average monthly cost for the state minimum car insurance in Pennsylvania is around $32. However, the price can vary depending on the insurance company and the driver's age. For example, Auto-Owners Insurance Co and Westfield offer the most affordable rates for minimum coverage, with annual premiums of $305 and $310, respectively. On the other hand, students in Pennsylvania looking for affordable rates can expect to pay an average of $3,637 annually with Allstate and $4,542 with GEICO.

Age is a significant factor in determining the cost of liability-only auto insurance in Pennsylvania. Younger drivers, especially those aged 22 to 29, often face higher rates due to their perceived inexperience and higher risk of accidents. Additionally, urban areas with higher populations and accident rates will result in more expensive premiums compared to rural areas.

It is important to note that while Pennsylvania does not require drivers to carry collision or comprehensive coverage, leasing or financing companies may require it to protect their investment in the vehicle.

How much is auto insurance in PA for drivers with a DUI?

If you have a DUI on your record in Pennsylvania, your auto insurance premium is likely to increase significantly. The exact amount by which your premium will increase depends on several factors, including your age, driving history, and the insurance company you choose. However, it is important to note that not all insurance companies will insure drivers with a DUI, so you may need to shop around to find a suitable provider.

On average, drivers with a DUI in Pennsylvania pay $5,207 per year for a full-coverage car insurance policy, which is about 105% higher than the national average. This increase in insurance rates is because insurance companies consider drivers with a DUI to be more likely to engage in risky driving behaviours in the future, including driving under the influence again.

Some insurance companies that offer coverage to drivers with a DUI in Pennsylvania include State Farm, Progressive, Travelers, and American Family. According to one source, the average annual cost of car insurance with a DUI in Pennsylvania is $3,033, while it is $1,742 per year for drivers with a clean record. Another source states that the average yearly car insurance rate increase in Pennsylvania due to a DUI is $548, which is 101% less than the national average rate jump following a DUI.

It is worth noting that a DUI will only affect your insurance rate for about 3-5 years in Pennsylvania, so the higher rates will not last forever. Additionally, taking a defensive driving course may help lower your insurance rates. However, the best way to avoid high insurance premiums is to drive safely and responsibly and avoid driving under the influence altogether.

How much is auto insurance in PA for drivers with poor credit?

The cost of auto insurance in Pennsylvania varies depending on several factors, including age, driving history, and credit score. For drivers with poor credit, the cost of auto insurance in Pennsylvania ranges from $1,589 to $3,220 per year for full coverage. This is significantly higher than the average cost of auto insurance in the state, which is around $1,280 per year for full coverage.

Nationwide offers the cheapest full coverage policy for drivers with poor credit in Pennsylvania, with an average annual premium of $1,589. This is 51% cheaper than the state average of $3,220 per year for drivers with poor credit. Other insurance companies that offer relatively affordable full coverage policies for drivers with poor credit in Pennsylvania include Travelers, Erie, and State Farm.

It is worth noting that auto insurance rates in Pennsylvania are also influenced by factors such as age, driving record, vehicle type, location, and coverage level. Additionally, insurance companies in Pennsylvania are allowed to use credit scores as a factor in determining insurance premiums, which can result in higher rates for drivers with poor credit.

How much is auto insurance in PA for teens?

Auto insurance for teens in Pennsylvania is expensive, but there are ways to save money. The cost of adding a teenager to your car insurance policy can increase your rate from 65% to 135%. The average cost for adding a teen aged 16 to 19 to your policy is $3,594 annually. However, it is still cheaper to add a teen to your policy than for them to have their own policy.

According to ValuePenguin, Erie has the best minimum coverage car insurance rates in Pennsylvania for young drivers. A minimum coverage policy from Erie is 41% cheaper than the state average, at $70 per month. Young drivers can find even cheaper quotes with USAA. However, only military members, veterans, or the spouse or child of a military member can buy car insurance from USAA.

The Hartford offers the best rate for full coverage, at $210 per month for an 18-year-old. That's 42% cheaper than the Pennsylvania average for teen drivers, which is $364 per month. While full coverage from Erie costs more than The Hartford, Erie has much better customer service reviews.

According to U.S. News, Travelers is the cheapest option for insuring 17-year-old female and male drivers in Pennsylvania. Its average rate for both is $2,578 per year. That’s far less than the statewide average rates for teen drivers: $4,503 for females and males.

Young adult drivers pay less than teens for car insurance. In Pennsylvania, the cheapest average rates for single 25-year-old drivers are with Travelers: $971 per year for females and males. The statewide average for female and male drivers in this age group is $1,669.

According to CarInsurance.com, teen drivers pay the most expensive rates for car insurance, especially if they are insured on their own policies. For example, the average car insurance premium for an 18-year-old female is $413 per month. Rates tend to decrease as drivers age and gain more experience on the road.

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