Pennsylvania Car Insurance Calculator – What Factors Affect the Cost of Car Insurance?

Pennsylvania Car Insurance Calculator

Pennsylvania car insurance costs depend on numerous variables, such as your age, gender, driving record and credit score. Your policy’s costs also depend on its type – for instance a basic liability policy is generally cheaper than full coverage with a $500 deductible – as well as on whether or not a driver requires full coverage offered by their insurer.

Drivers with clean driving records tend to pay lower premiums for car insurance than those who have had an at-fault accident or speeding ticket on their record. Other factors influencing car insurance rates can include make and model of vehicle as different models have different safety features and crash statistics; furthermore, location can have an effect; different areas pose either more or less risk than others for insurers.

Life events such as moving states or getting married can have a substantial effect on car insurance costs, altering how much coverage is necessary. Furthermore, purchasing either a new or used car can have a big effect on rates due to variations between prices of cars.

A major determining factor for Pennsylvania car insurance costs is how much coverage you choose. In most instances, it pays off to opt for full coverage that includes liability, collision and comprehensive with a $500 deductible – this type of policy cost an average of $1,103 annually in Pennsylvania for 2019.

Your driving record and credit score also play an integral part in your premium rate, particularly in Pennsylvania where those with prior DUI charges pay much more than those without. Receiving a speeding ticket could increase your premium by as much as 14% so it is wise to shop around after receiving such an citation.

Consider your annual mileage when looking at Pennsylvania car insurance rates, especially for people driving less than the national average. Switching to a pay-per-mile plan from some providers could also save money; finally, improving your credit score could potentially lower Pennsylvania auto insurance premiums but this process won’t have an immediate effect.

If you’re in Pennsylvania looking for an affordable car insurance policy, compare quotes from multiple top-rated insurers. Simply answer a few quick questions to receive personalized quotes in minutes. WalletHub editors have also ranked which providers are most cost effective for various driver profiles such as teenagers, college students, women drivers or senior drivers.