Pennsylvania requires car insurance for all motorists. It is a way to make roads safer while protecting people from life-altering injury.
Self-insurance and coverage by an insurer are two options for car insurance in Pennsylvania. It is more convenient and affordable to purchase coverage from an insurer. However, self-insuring can be an option for drivers who are able to pay for accidents out-of-pocket.
Minimum Car Insurance in PA
Each driver in the state is required to carry $15,000 bodily injuries liability insurance, and $5,000 property damages liability insurance. These policies cover all legal and medical fees that are related to a car accident, even if it's 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. As each insurance company has different rating factors, it is important to shop for the best price.
Discounts in PA
The discounts you receive on your auto insurance are a great way to save money. In fact, they're one of the most common ways to lower your rates. The majority of companies offer discounts in exchange for many things. These include avoiding traffic offenses, maintaining good driving records, and installing safety equipment on your vehicle.
You can also get a discount on your Pennsylvania car insurance by bundling it with other policies like renters and homeowners. Some providers will offer you discounts if your install a telematics system that tracks your driving and provides feedback to the provider.
Top car insurance companies in PA
When choosing the best insurance company for your car, it's essential to pick one that balances customer happiness, affordability and stability. WalletHub compared more than 30 of the largest car insurance companies in Pennsylvania to find the best options for consumers.
The top five insurers in the state are Travelers, Nationwide, Erie Insurance, State Farm and USAA. These five companies all receive high ratings from consumer studies. Their rates are among the cheapest in Pennsylvania.
Choosing a Car Insurance Company PA
To be considered as the "Best Car Insurance Company of Pennsylvania," an insurer must have a WalletHub average rating of 3.7 and higher, with a minimal of 10 reviews. In addition, it must be licensed and permit consumers to manage their policies and purchase them online.
MoneyGeek's scoring system found that Travelers is the highest-rated car insurance company in Pennsylvania, and they tied for first in claims and affordability with a satisfaction score of 3.03. GEICO's premiums are lower and its customer satisfaction scores are higher.