Whether you’re a city dweller in fast-paced Philly or enjoying a slower pace of life in one of Pennsylvania’s more rural counties, the best way to find affordable insurance premiums is to shop around and compare rates.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Pennsylvania. And if you want to learn more about car insurance rates in Pennsylvania, keep reading.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Pennsylvania.
Cheapest minimum coverage car insurance in Pennsylvania
Each state has different requirements for the minimum insurance that drivers must carry. Here’s the coverage you need to have to drive lawfully in Pennsylvania:
$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident
Pennsylvania also requires motorists to carry a minimum of $5,000 in medical benefits. This coverage pays any medical bills for you and others covered by your policy, even if you were not at fault for the accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Pennsylvania:
Additional coverages you might want to consider when shopping for car insurance in Pennsylvania
Coverage to Consider
Severe winter storms
Comprehensive insurance covers your vehicle if it is stolen or damaged by a falling object, animal, vandals, or weather event.
Icy winter roads
Collision insurance can be especially helpful during winter driving, when collision potential is at its highest. It covers physical damage to your car in the event of a collision.
High population density
Collision insurance can be especially helpful during winter driving, when collisioWith more drivers on the road, chances of an accident are high. Accident forgiveness coverage means that your insurance rates won’t go up after your first at-fault accident.
Minimum liability insurance is all you need to legally drive in Pennsylvania, but purchasing additional coverage is a good idea if you can afford it.
Best carriers for minimum coverage car insurance in Pennsylvania
Driving without the minimum required car insurance can have some serious consequences. If you’re caught, you may face a minimum $300 fine, a 3-month license and vehicle registration suspension, restoration fees to reinstate your license and registration, and even vehicle impoundment.
Translation: If you’re driving in Pennsylvania, it’s important to make sure you meet the mandatory minimums.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Pennsylvania:
Cheapest full coverage car insurance in Pennsylvania
The thing with minimum liability insurance is that it leaves a pretty glaring gap: your own vehicle. If you can afford it, it’s always a good idea to secure more than just the minimum required coverage.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
Best carriers for full coverage car insurance in Pennsylvania
You’ll have no trouble securing full coverage insurance in Pennsylvania; pretty much every carrier offers an array of protections beyond the minimum requirements. The amount of coverage you need will, of course, depend on your individual circumstances.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Pennsylvania:
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
The inexperience is, unfortunately, compounded by the fact that young drivers are statistically more likely to engage in risky behavior behind the wheel and tend to be involved in more accidents.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for drivers in Pennsylvania with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Pennsylvania’s Department of Transportation (DOT) uses the driving record point system, and they’re pretty strict about it. Drivers who receive six points or more are at risk of license suspension—and it would only take a couple of moving offenses to get there.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Types of discounts that might be available to you in Pennsylvania
Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Pennsylvania.
Here are some to keep an eye out for:
Customer loyalty (e.g., bundling, early renewal)
Demographic (e.g., good student, senior)
Driver affiliations (e.g., military, affinity)
Driving history (e.g., accident-free, safe driver)
Driver training (e.g., defensive driver course)
Equipment-related (e.g., anti-theft, new car)
Payment (e.g., auto-pay, paperless)
Since car insurance is one of the necessary costs for Pennsylvania drivers, it’s definitely worth asking about some hidden insurance discounts that you may already qualify for.
Who is Eligible?
If you’re not driving much, many insurers will give you a break on your insurance rates. Different providers define ‘low mileage’ differently, though it’s typically between 7,500 and 12,000 miles per year.
A defensive driving course can help reduce your premium by 10–15%. They teach drivers how to better assess road, traffic, and weather conditions to avoid accidents. The classes are mandatory for young drivers in California, but drivers of any age can take them to benefit from the discount.
Statistics show that people who buy hybrid and electric cars tend to be responsible with them and have fewer accidents. Some insurance companies offer discounts for people who drive these cars.
Annual payment discounts
Many insurers offer discounts to customers who pay their annual premium in full, rather than dividing payments out across the year.
Safe driving discounts
If you have a clean driving record and no claims, you may be eligible for a safe driving discount that can reduce your premium by up to 30%.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
How much does it cost to insure my car make in Pennsylvania?
The Honda Civic is the most popular car in Pennsylvania—and for good reason. Apart from its reliability and great gas mileage, it’s also one of the most affordable cars to insure.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Pennsylvania has a relatively high population density, which means more drivers, more traffic, and more accidents. The state also experiences some severe weather that results in insurance claims, such as winter storms and rainstorms that cause flooding.
Pennsylvania is also a no-fault state. This means that in the event of an accident, each driver files a claim with their own insurance company—it doesn’t matter who was at fault. This typically results in slightly more expensive premiums.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.