Car insurance in Pennsylvania, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Pennsylvania car insurance coverage isn't just something that drivers in the "Keystone State" should have; it's something they
have.
Pennsylvania auto insurance coverage doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Pennsylvania, you need auto insurance in Pennsylvania. Here's what kind and how much, according to Pennsylvania state law:
The best contacts and resources to help you get it done
Browse Pennsylvania auto insurance rates online
If you need Pennsylvania auto insurance, online quotes are a good starting point. Available from all major auto insurance companies in Pennsylvania, they offer a fast and convenient way to research and compare premiums.
I recommend: Get comprehensive online quotes from Pennsylvania car insurance providers at websites like
InsWeb,
Insurance.com,
InsuranceUSA and
InsuranceFinder, or from companies like
Progressive and
Esurance, which quote both their own and competitors' rates.
Solicit Pennsylvania car insurance quotes from national providers
Most major car insurance carriers offer auto insurance in Pennsylvania and all provide competitive Pennsylvania auto insurance rates.
I recommend: Among the largest and most popular car insurance companies in Pennsylvania are
AIG,
Allstate,
Chubb,
Farmers,
GEICO,
The Hartford,
Liberty Mutual and
State Farm. National associations like
AAA and
AARP are also good sources for affordable auto insurance in Pennsylvania.
Get car insurance in Pennsylvania from local and regional companies
In Pennsylvania, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.
I recommend: For automotive insurance in Pennsylvania, try Pennsylvania-based companies like
Mid-Continent Insurance Company,
Penn National Insurance and
Erie Insurance. Also consider local programs, like the
Pennsylvania Assigned Risk Plan, which exists for drivers who can't easily find auto insurance in Pennsylvania.
Use an independent agent to find Pennsylvania car insurance bargains
Buying car insurance in Pennsylvania via an independent insurance agent can expose you to new resources, practical advice and special rates.
I recommend: To find an independent agent who can sell you car insurance in Pennsylvania, use the “find an independent agent” feature at the
Independent Insurance Agents & Brokers of America website.
Choose Pennsylvania auto insurance companies that you can trust
Before doing business with Pennsylvania car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
I recommend: If you subscribe to
Consumer Reports, you can check up on car insurance companies in Pennsylvania. Another good resource is the
Pennsylvania Insurance Department, which licenses
auto insurance companies in Pennsylvania and compiles statistics on complaints against them.
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