Top Car Insurance Choices in Pennsylvania

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The average car insurance premium in Pennsylvania is around $1,522 a year, placing it close to the U.S. average. While many think the best car insurance policy is the cheapest, this guide aims to show that the best value isn’t always the lowest price.

So, who offers the best car insurance in Pennsylvania? It’s not just about the premium costs; policy options, discounts, and claim handling are just as important. Although I personally use Progressive and have had a great experience, they’re only fifth on our list and might not be the best for you. The answer is to get quotes from several top providers, using tools available for comparison.

When comparing car insurance in Pennsylvania, start with the state’s minimum requirements and then customize your policy to fit your needs affordably. Here are some tips:

1. Shop around; the top companies on various lists might not be the right fit for you.
2. Match policy options with your personal needs.
3. Look for discounts that fit your driving profile to lower your premiums.

Here are the seven best car insurance companies in Pennsylvania, each excelling in different areas:

1. Erie Insurance: Best overall with excellent customer satisfaction and reasonable premiums, offering unique options like ERIE Auto Plus.

2. Travelers: Cheapest overall, with fantastic financial strength and a variety of policy options and discounts.

3. GEICO: Best for drivers over 50 and military personnel, with many specific discounts available.

4. State Farm: Excellent for good drivers, offering various discounts and coverage options, though no gap coverage.

5. Progressive: Known for a wide array of discounts and tools like the Name Your Price Tool, though premium savings claims can be exaggerated.

6. Nationwide: Offers Accident Forgiveness and the Vanishing Deductible, though low on customer satisfaction.

7. Liberty Mutual: Comprehensive options for vehicle maintenance but higher premiums and lower satisfaction ratings.

USAA deserves special mention for military members, offering one of the lowest premiums, top-notch customer service, but is only available to military members and their families.

In Pennsylvania, the minimum car insurance requirements are:

• Bodily Injury: $15,000 per person and $30,000 per accident
• Property Damage: $5,000
• Medical Benefits: Minimum $5,000 coverage for medical costs

You also have the option to choose Limited or Full Tort coverage, affecting your ability to recover for pain and suffering. Driving without insurance in Pennsylvania can lead to fines, suspension of vehicle registration and driver’s license, and impoundment of the vehicle.

Choosing car insurance in Pennsylvania requires balancing personal needs with the strengths of the provider. Understanding state insurance laws and the different offerings from your options helps you make the best decision for your circumstances.

FAQs:

• Is Pennsylvania a no-fault state? No, drivers choose between at-fault and no-fault coverage when purchasing their policy.

• What if I can’t get car insurance? You can get coverage through the Pennsylvania Assigned Risk Plan by calling (800) 477–6146.

Selecting the right car insurance involves considering multiple factors, including policy details, discounts, financial strength, and your specific needs.