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Auto Insurance Buyer's Guide for Pennsylvania

How to Shop

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Step 1. Understand What Affects Your Rates

Know which facts make a difference. In a nutshell, there are three elements that you control which affect your premium: who you are, where you live and what you drive. Other factors like type of coverage, deductibles, number of drivers, even your education, occupation and credit score can factor in to the auto insurance rate you’ll pay. Then realize each auto insurance company is likely to see you differently as well, and that will play a part in the rate you pay.

Most Expensive Cities for Auto Insurance

1. Detroit - $5,072
2. Philadelphia - $3,779
3. Newark, NJ - $3,381
4. Los Angeles - $3,027
5. Hempsted, NY - $2,764

Discover ways to save

Source: Insurance Information Institute.

Step 2. Decide How Much to Buy

It’s all about protection. Auto insurance protects you, your passengers and your personal assets. If you're a renter, state minimum limits may be enough coverage. But, if you own a home or have other assets, you’ll need more coverage to protect yourself from lawsuits and liability. Start by comparing rates for the amount of coverage on your current policy versus the kind of coverage – more or less – you might really need. We’ll explain the differences, so you clearly understand the trade-offs.

Pennsylvania Has Few Uninsured Drivers

45. (tie) Pennsylvania and South Dakota - 7 percent
47. Vermont - 6 percent
48. (tie) New York and North Dakota - 5 percent
50. Main - 4 percent
51. Massachusetts - 1 percent

Learn more about coverages

Source: Insurance Information Institute

Step 3. Shop Smart and Save

Get comparison quotes. Insurance rates change more than once a year, so an annual insurance check-up may pay for itself. Don’t settle for a new quote from your current carrier. Get several quotes from different insurance companies to make sure your rates are competitive. To save time, Insurance.com provides you with the latest rates from top Pennsylvania auto insurers, including Progressive, Safeco and Travelers. It’s fast and it’s free.

Get Quotes From These Top Pennsylvania Carriers

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Step 4. Learn How Auto Insurance Really Works

Auto insurance is about more than just cars. In Pennsylvania, most insurance companies will base your rate on things like where you live, your financial stability (based on your payment history), and other personal information you provide. Sometimes these questions, such as how education or occupation, will actually earn you discounts.

Insurance.com makes it easy. You only need to answer these questions once to receive multiple competing quotes from the PA companies we represent, instead of answering the same questions over and over again. So what are you waiting for?