The state of Pennsylvania requires all motorists to carry car insurance. It makes roads safer, and it protects thousands of people every year from serious injury.
There are several ways to obtain car insurance coverage in Pennsylvania. These include self-insuring as well as getting coverage from an agent. 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 in PA
State law requires that drivers carry bodily liability insurance coverage of up to $15,000 per person and property liability insurance coverage of up to $5,000. 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.
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 for PA
The discounts you receive on your auto insurance are a great way to save money. These discounts are one of most common methods to lower rates. Many companies will offer discounts if you avoid traffic violations, maintain a good driving history, and install safety devices on your car.
If you bundle auto insurance with other policies such as renters insurance or homeowners insurance, you can also save money on your Pennsylvania auto insurance. Some insurance providers offer discounts if you install a device that tracks your driving habits.
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 companies are highly rated by consumers, offer the best rates in Pennsylvania and have a range of options for car insurance coverage.
Choosing a Car Insurance Company 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. A licensed insurance company in Pennsylvania must also allow customers to manage and buy their policies online.
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.