Pennsylvania requires car insurance for all motorists. This helps to make the roads safer by protecting countless people each year from potentially life-altering injuries.
In Pennsylvania, you can choose to self-insure or get coverage from an insurer. Self-insuring is the most cost-effective and convenient option, but some drivers may prefer to self-insure if they have the means to pay out-of pocket in case of an accident.
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 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 vary depending on a variety of factors such as age, driving records, and credit scores. Each insurance company considers different rating factors when determining your rate, so it's important to shop around for the best deal.
Discounts on PA
The discounts you receive on your auto insurance are a great way to save money. 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.
In Pennsylvania, you can save on auto insurance if your policy is bundled with others such as homeowners or renters insurance. Some providers may offer discounts for installing a telematics unit that tracks driving habits and sends the information back to them.
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 over 30 of Pennsylvania's largest car insurance providers to determine the best choices for consumers.
Travelers is the number one insurer in the state, followed by Erie Insurance, State Farm, and USAA. 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
A minimum of 10 reviews is required for an insurance firm to be considered as "Best Car Insurance Company" in Pennsylvania. A licensed insurance company in Pennsylvania must also allow customers to manage and buy their policies online.
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.