How to Find the Best Full Coverage Car Insurance in Pennsylvania
Most Pennsylvania drivers need full coverage. Nationwide, Travelers, and Allstate are the three best companies for Pennsylvania full coverage car insurance.
offer some of the best rates for full coverage for Pennsylvania drivers.
Car loan and lease providers typically require you to have full coverage car insurance for the length of your loan or contract.
If your car is worth less than the cost of your annual insurance premium and you own the vehicle outright, full coverage may not be necessary.
How to get the best full coverage car insurance in Pennsylvania
The best way to find the best deal on full coverage car insurance in Pennsylvania is to compare quotes from at least three different car insurance providers. Below, you’ll find a table that shows average rates for full coverage from five of the top cheapest car insurance providers in Pennsylvania:
Methodology: How did we pick these five companies?
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In order to identify Pennsylvania’s five cheapest auto insurance companies, the folks at Jerry spent 200+ hours analyzing data from more than 25 million real car insurance quotes generated over the last year. The numbers showed that the providers we named above had the lowest average rates for good drivers seeking full coverage auto insurance in Pennsylvania.
Liability vs. full coverage: In Pennsylvania, at the very least, you’re legally required to have a minimum amount of
Together, collision and comprehensive cover damage to your own vehicle after a variety of different incidents, including car accidents, vandalism, theft, severe weather, animals, and more.
How much coverage do you need? For the average driver, Pennsylvania’s minimum coverage requirements can leave them financially vulnerable. Car insurance experts commonly recommend carrying at least $50k/$100k of bodily injury liability coverage, $50k of property damage liability coverage, and enough collision and comprehensive insurance to cover the full replacement cost of your vehicle.
The secret to finding the best full coverage auto insurance company
There’s no one-size-fits-all car insurance provider that offers the best deals on full coverage for all Pennsylvania drivers across the board.
That’s because car insurance companies review a variety of factors when calculating your rate, and many of them are specific to you as an individual. These factors include:
Your driving record
Your insurance history
Your age group and other demographics
Your credit score
Your ZIP code
Remember: In addition, each car insurance provider will use its own methodology to calculate rates—which is why it pays to shop around for cheap car insurance rates.
While some drivers may find the cheapest full coverage auto insurance rates with Pennsylvania’s largest providers—like Progressive, Allstate, State Farm, or GEICO—other drivers may find better prices with smaller insurers—like AAA or Mercury.
You’ll have to find and compare quotes to find out. Fortunately for you, Jerry partners with 55+ of the best car insurance companies in Pennsylvania to make finding affordable car insurance a breeze.
Why most Pennsylvania drivers need full coverage car insurance
Natural disasters and severe weather: Cars in Pennsylvania can be subject to damage from tornadoes, severe thunderstorms, hail, and other types of severe weather.
Auto theft hot spots: Car thefts nationwide have spiked in recent years, and Pennsylvania is no exception, particularly in metro areas. By June of 2023, more than 9,000 motor vehicle thefts were reported to the Philadelphia Police Department alone.
Uninsured drivers: According to the Insurance Information Institute, 6% of Pennsylvania drivers were uninsured as of 2019—which is actually one of the lowest rates of any state. That said, the odds of getting into a collision with an uninsured driver are never zero.
Check your auto loan requirements: It’s common for car loan and lease providers to require that you maintain collision and comprehensive coverage for the duration of your loan or contract.
Do you need no-fault insurance in Pennsylvania?
Pennsylvania operates as a “choice no-fault” state, which gives drivers the option to opt out of carrying
is not a requirement in Pennsylvania. Still, this coverage type is worth consideration, since UM/UIM coverage can help cover medical costs if you’re injured in an accident caused by someone who doesn’t have sufficient liability insurance of their own.
isn’t a legal requirement in Pennsylvania, but it’s a safe choice for those with car loans—and in fact, most car lenders will require you to have it. If your vehicle were to end up totaled and you owed more toward your loan than the car’s actual value, gap insurance would help cover the remaining balance on your car loan.
Should you drop full coverage in Pennsylvania?
Generally speaking, it’s usually only a good idea to drop full coverage if you’re able to buy a vehicle out of pocket to replace your current one.
Dropping full coverage car insurance in Pennsylvania might be more reasonable if:
Your vehicle is worth less than the cost to insure it—which typically applies to older cars worth less than about $4,000
You can afford to replace your vehicle out of pocket in the event of a total loss
You’ve paid off your auto loan and own your vehicle outright
Remember that you’ll still need to meet Pennsylvania’s minimum liability insurance requirements, which cost drivers an average of $1,488 per year, compared to an average of $2,067 per year for full coverage. However, most drivers will benefit from the financial protection that additional coverage provides.
If you’re worried about full coverage car insurance costs, allow the
from Pennsylvania’s best full coverage providers. Jerry is a licensed insurance broker serving over 4 million policyholders nationwide—and our team of 100+ licensed insurance agents is here to assist you by text or phone when you need it.
FAQs
How much is full coverage in Pennsylvania?
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In Pennsylvania, the average cost of car insurance for a full coverage policy is $2,067 per year. Drivers who have clean driving records, good credit, are middle-aged, are seniors, and/or live in rural areas often see some of the lowest full coverage rates, while young drivers and high-risk drivers see some of the highest rates.
Who has the cheapest full coverage car insurance in PA?
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Convenient as it would be, there’s no across-the-board cheapest full coverage car insurance provider for everyone in Pennsylvania. That’s because insurers use different methodologies to determine rates, with many factors being unique to you as an individual—such as your driving record, demographics, ZIP code, the type of car you drive, and more.
That said, according to Jerry’s data, the cheapest full coverage car insurance providers on average in Pennsylvania include Nationwide, Travelers, and Allstate. One of the best ways to find the cheapest full coverage policy for you is to compare multiple quotes from different providers.
How much is the average car insurance in Pennsylvania?
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On average, Pennsylvania drivers pay $1,488 for minimum liability insurance and $2,067 for full coverage car insurance annually. Your rates may vary from provider to provider based on factors like your driving history or demographics, which is why it’s in your best interest to shop around for multiple car insurance quotes before picking a policy. The coverage limits and deductible you choose will also impact your rate.
To save even more, make sure you’re taking advantage of all
Car insurance in Pennsylvania costs an average of $124 per month for minimum liability insurance and $172 per month for full coverage car insurance.
The cost of your own insurance policy may depend on factors like your driving record, insurance history, ZIP code, age, and more. Since insurers use their own methodologies to calculate rates, requesting free quotes from different providers is one of the best ways to find the lowest possible rate for the coverage you need.
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