How to save on Pennsylvania Car Insurance? 7 tips to reduce costs

By Randy Luton | Last Updated: 08/25/2022

Key Insights:

  • Average car insurance rates in Pennsylvania are higher than most of the states in our country.
  • There are multiple reasons behind the higher car insurance rates in Pennsylvania. The no-fault policy and high population density are two of the most important reasons.
  • Drivers of the state can try different ways to get affordable car insurance.
  • By combining different discounts, a driver can get cheaper car insurance rates in Pennsylvania.

Car insurance in Pennsylvania is unaffordable for most of the drivers. There can be a lot of reasons why car insurance is so expensive but on the brighter side, there are a lot of different ways to save your money on a car insurance policy. The drivers of Pennsylvania state are struggling with the cost and requirements of the car insurance policies.

This is the reason RateForce have decided to write a detailed blog to help you understand the reasons behind higher car insurance rates in the state and how drivers can save their money. Keep reading till the end to know all the secrets of getting cheap car insurance in Pennsylvania.

Average Car Insurance Cost in Pennsylvania

The average car insurance rate varies from company to company and driver to driver. Each company has its own method of calculating the cost of car insurance and that is why it is important to know the quotes of different companies.

Before investing your money in buying a policy for your car, it is important to keep an eye on all the companies and their costs. That is why we have created a list of all the top car insurance companies in Pennsylvania along with their average rates:

Car Insurance CompanyAverage Annual Premium For Full Coverage
Allstate$1,347
American Independent$3,254
AmTrust Financial$2,161
Auto-Owners$1,083
Donegal$1,262
GEICO$1,248

Why Car Insurance is Expensive in Pennsylvania?

We all know that car insurance rates are expensive in Pennsylvania especially in cities like Philadelphia, Darby, and Chester. But what exactly are the reasons behind the expensive policies? Why do the drivers of Pennsylvania have to pay a lot more than the drivers of any other state? To help you understand this we created a list of all the reasons that every driver of Pennsylvania should know:

1. The Drivers Of Pennsylvania Drive More Than The Other State’s Drivers

The average mileage that a driver covers in a state is higher in Pennsylvania as compared to most of the other states. When we drive more our chances of getting into an accident also increase. As a result, we tend to file more claims as compared to the drivers of other states.

2. Expensive Auto Repair Costs

The cost of repairing any type of car or even any type of vehicle in Pennsylvania is higher than in most of the states. This leads to higher claim amounts hence huge holes in the pockets of car insurance companies. These companies then try to cover their losses from the drivers.

3. Uninsured Drivers Are Also Increasing Every Day In Pennsylvania

The number of uninsured drivers is directly proportional to the car insurance rates in Pennsylvania. When the rates are high and drivers are not able to afford the car insurance then they will try to drive without insurance. But uninsured drivers are a liability to insurance companies as they will have to bear the expenses of the damages caused in an accident even if their client was not at fault.

4. Severe Weather Conditions

Hurricanes and floods are common in Pennsylvania. Every year the citizens of the state witness severe hurricanes with thunderstorms and floods which leads to damage to property including cars. As a result, the drivers of Pennsylvania file more claims, and the company bears losses with low insurance rates.

5. High Population Of The State

Pennsylvania is at 5th rank in the list of most populated states of the USA with a population of 13,002,700. A high population means crowded roads and highways which leads to more accidents. Hence; a high population of a state and a higher number of claims results in higher insurance rates.

How to Save on Pennsylvania Car Insurance?

Now that you know the reasons why car insurance is expensive in Pennsylvania let’s have a look at the ways to save some money. There are multiple ways which a driver can combine to get the most affordable car insurance policy for him/her:

  1. Work On Your Credit Score
    Your credit score talks about the responsive nature of a driver. According to most car insurance companies; drivers with poor credit scores skip their premiums and file more claims as compared to other drivers.
  2. Get A Driving Improvement Course
    Completing a course that can improve your driving skills and judgment makes you a safe driver. And we all know that safe drivers get lower insurance rates as compared to other drivers.
  3. Get Quotes From Different Companies And Compare Them
    The best way to get affordable car insurance is by checking and comparing quotes from different companies. Shop around, check the old and new insurers in your area and ask for a custom quotation. While comparing these quotes you will understand what different companies are providing at a similar cost.
  4. Increase Your Deductibles
    Higher deductibles mean lower car insurance premiums. A deductible is an amount that a driver has to pay from his or her pocket before applying for an insurance claim. Whenever we select a high amount as our deductible fees we tend to take care of our driving more as we will have to pay a huge amount from our pocket first. This is why car insurance companies in Pennsylvania provide lower insurance quotes to such drivers.
  5. Keep Your Records Clean
    Drivers with clean driving scores get lower car insurance rates. The simple reason behind this is; insurance companies consider these drivers as safe and responsible drivers who will file lesser claims as compared to other drivers.
  6. Select Advance Payment Model
    Whenever we decide to pay in advance for our car insurance premium we get some discount. You can select an annual or half-yearly payment option and your insurer will subtract some discount amount to your premium amount.
  7. Do You Have A Sports Car Or A Classic Car?
    Sports cars and classic cars are not common cars. And we all know that drivers usually drive these cars less as compared to common cars. If you have these(sports/classic) cars then make sure your normal car and sports/classic car do not come under the same policy. It can increase the cost of your common car’s policy.

Over To You!

So that was everything you needed to get the most affordable car insurance in Pennsylvania. Now that you know the tips and tricks it’s time to make the decision to get the cheapest car insurance in Pennsylvania. If you are looking for car insurance rates from top companies in your area then RateForce is here to save your time and money.

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SOURCES

  • Referred to JSTOR Organization website to understand the unaffordability of car insurance in Pennsylvania on 15th February 2022.
  • Checked website of Bureau of Transportation Statistics for viewing the average miles covered by the drivers of Pennsylvania every day on 15th February 2022.
  • Checked the information about the weather conditions in Pennsylvania on Wikipedia on 15th February 2022.
  • Read on Wikipedia about the population density of Pennsylvania and other states of the USA to understand the chances of accidents on 15th February 2022.

Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.