Top 5 Best Car Insurance in Pennsylvania for 2024

Embarking on a road trip through Pennsylvania is an adventure filled with historic charm and breathtaking landscapes. But, before you hit the Keystone State’s scenic highways, it’s crucial to consider the often-overlooked aspect of car insurance costs. In this guide, we’ll delve into the key factors, explore best car insurance in Pennysylvania, and share valuable tips to help you save money while ensuring your journey is both safe and affordable.

Key Insights:

• Erie stands out as the top pick for customer satisfaction, offering comprehensive coverage at an annual cost of $1,180.
• Drivers with a clean record in Pennsylvania shell out an average of $145 per month for full coverage.
• Philadelphia residents face the highest car insurance costs, averaging $2,702 annually.

Best car insurance companies in Pennsylvania:

Erie: Where Satisfaction Meets Affordability

• J.D. Power rating: 863/1,000
• Comprehensive coverage: $1,180/year
• Minimum liability coverage: $441/year
• Pros: Budget-friendly options, widespread agents in Pennsylvania
• Cons: Limited discount offerings compared to competitors
• Get a quote from Erie | Read Erie Car Insurance review

State Farm: Driving Affordability Home

• J.D. Power rating: 843/1,000
• Comprehensive coverage: $1,171/year
• Minimum liability coverage: $482/year
• Pros: Statewide agent network, diverse discounts
• Cons: Sparse on specialty coverages
• Get a quote from State Farm | Read State Farm Car Insurance review

Allstate: Tailored for Multi-Driver Discounts

• J.D. Power rating: 825/1,000
• Comprehensive coverage: $1,778/year
• Minimum liability coverage: $801/year
• Pros: Varied policy options, extensive discount offerings
• Cons: Slightly higher costs compared to rivals
• Get a quote from Allstate | Read Allstate Car Insurance review

Nationwide: Options Galore for Coverage

• J.D. Power rating: 820/1,000
• Comprehensive coverage: $1,386/year
• Minimum liability coverage: $705/year
• Pros: Competitive full coverage prices, loyalty benefits
• Cons: Elevated prices for minimum coverage, below-average customer satisfaction
• Get a quote from Nationwide | Read Nationwide Car Insurance review

GEICO: Catering to High-Risk Drivers

• J.D. Power rating: 818/1,000
• Comprehensive coverage: $1,474/year
• Minimum liability coverage: $499/year
• Pros: Options for high-risk drivers, diverse discounts
• Cons: Slightly higher full coverage costs, lower customer satisfaction
• Get a quote from GEICO | Read GEICO Car Insurance review

DON’T MISS: A Guide to Affordable Car Insurance for Teens

Choosing a Car Insurance Provider: Tips and Considerations:

Seek Recommendations:

• Gather suggestions from friends, family, and online reviews.
• Verify customer feedback on platforms like the Better Business Bureau.

Assess Claim Payment Ability:

• Ensure a company’s capability to pay claims by consulting sites like Standard & Poor’s or AM Best.
• Confirm licensing through the Pennsylvania Insurance Department or NAIC.

Compare Quotes:

• Obtain quotes from at least three companies.
• Ensure coverage, options, and discounts align for an accurate comparison.

Cost of Car Insurance in Pennsylvania:

• Average full coverage: $1,747/year (State average: $1,582)
• Minimum liability coverage: $691/year
• Philadelphia residents pay the highest at $2,702/year, while Lancaster residents pay the least at $1,500/year.

City-wise Car Insurance Rates in Pennsylvania:

• Philadelphia: $2,702/year
• Erie: $1,692/year
• Scranton: $1,691/year
• Allentown: $1,642/year
• Pittsburgh: $1,605/year
• Lancaster: $1,500/year

Conclusion:

Your journey through Pennsylvania’s diverse landscapes shouldn’t be overshadowed by hefty car insurance costs. By making informed choices and understanding your coverage needs, you can explore the state worry-free. Start with a quote now and pave the way for an affordable and secure road trip experience in the Keystone State.