Pennsylvania mandates that all motorists carry auto insurance. It makes roads safer, and it protects thousands of people every year from serious injury.
In Pennsylvania, you can choose to self-insure or get coverage from 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 auto insurance coverage in PA
Drivers in the state must have $15,000 of bodily injury liability insurance and $5,000 of property damage liability insurance per person. These policies cover medical costs and legal fees resulting from a car wreck that was primarily you 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. As each insurance company has different rating factors, it is important to shop for the best price.
Discounts 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. Some companies give discounts for various things like avoiding traffic infractions, maintaining a clean driving record, or installing safety features on your vehicle.
You can also save on your auto insurance in Pennsylvania if you bundle your car insurance with other insurance policies, such as renters or homeowners insurance. Some providers may offer discounts for installing a telematics unit that tracks driving habits and sends the information back to them.
The best auto insurance companies of Pennsylvania
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 Insurance, Erie Insurance State Farm USAA, Nationwide Insurance and Travelers are the five top insurers 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 In 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. In addition, it must be licensed and permit consumers to manage their policies and purchase them online.
MoneyGeek’s scoring system determined that Travelers has the highest-rated insurance company for Pennsylvania. Travelers tied with them in both claims and affordability. Their satisfaction score was 3.03. GEICO offers lower premiums, but also higher customer satisfaction ratings.