Car insurance is required in most states in order to drive, with its purpose being to cover liability caused by accidents with other drivers and their property, as well as cover any medical costs incurred from accidents you or your passengers might encounter following one. Coverage often comes cheaper than it seems – particularly in Pennsylvania!
On average, car insurance in Pennsylvania costs $398 annually for minimum coverage. You may be able to find even lower rates if you choose the appropriate policy and driver profile – key considerations here include age, driving history and credit score – though each insurer weighs them differently, so comparing quotes from multiple providers is essential for finding the most cost-effective policy possible.
Older drivers often tend to be cheaper due to fewer accidents and traffic violations on their records, plus being able to afford more costly vehicles which often come with discounts. On average, 65-year-old Pennsylvania residents pay 15% less for full coverage insurance compared to 35-year-olds.
An individual male teenager purchasing his own policy in Pennsylvania typically pays an annual average premium of $4,415, as opposed to $2,393 when included on their parent’s policy. Teens purchasing individual policies tend to let coverage lapse more frequently – potentially costing them 16% more. To reduce costs further, many teens switch back onto their parents’ policy or look for providers offering student discounts, such as Progressive Auto-Owners State Farm GEICO Allstate Nationwide Travelers or State Farm who all provide discounts to students.
No matter whether or not you need a new car, maintaining a clean driving record is one of the easiest and most effective ways to save money on car insurance. Lowering your rate also helps; insurers typically factor annual mileage when calculating premiums so cutting back could result in substantial savings on premiums. As another alternative, usage-based policies adjust rates depending on driving behaviors like hard braking and distracted driving which could help save even more.
Pennsylvania is a no-fault state, giving drivers the option of purchasing either limited-tort or full-tort coverage when buying their policy. While limited tort is typically cheaper, it limits your ability to sue another driver who caused an accident for injuries sustained during a crash whereas full tort offers greater compensation opportunities.