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If you don’t know how to calculate your car insurance premiums in Pennsylvania, MoneyGeek’s car insurance calculator can help you get a quick estimate.
The cost of your car insurance is influenced by various factors. We analyzed how car insurance premiums are calculated in Pennsylvania so you can determine which factors have the biggest impact on your rates.
Pennsylvania Car Insurance Calculator: How it Gets You an Instant, Free Estimate
Getting an accurate car insurance quote requires submitting your personal information to an insurer. The process usually takes 10–15 minutes to complete.
MoneyGeek’s Pennsylvania car insurance calculator can give you an estimate of how much your car insurance will cost based on your age, driving record, vehicle type and coverage levels.
In Pennsylvania, the factors that have the biggest impact on car insurance rates are adding a teen driver, coverage levels and credit scores. However, the biggest factor for you may differ based on your driver profile.
The cheapest insurer in Pennsylvania for you might vary depending on several factors. Still, MoneyGeek’s calculator can give you a rough estimate. For our default driver, the cheapest widely available company is GEICO at an average of $545 per year.
Keep in mind that price isn’t everything. When choosing your car insurance provider, you also need to consider the company’s customer service quality and coverage offerings.
You can use MoneyGeek’s car insurance calculator or browse our collection of sample drivers looking for the cheapest car insurance in Pennsylvania to get an estimate of your insurance rates.
MoneyGeek analyzed the average cost of car insurance in Pennsylvania to give you an idea of how insurance rates in the state compare to others.
If you’re not only focused on costs, MoneyGeek has a guide on the best car insurance companies in Pennsylvania that balance affordability and service quality.
How Car Insurance Premiums are Calculated in Pennsylvania
In Pennsylvania, car insurance companies use various factors to determine the cost of your coverage. These include your age, gender, driving record, credit score, coverage levels and car model.
The factors that have the biggest influence in calculating your premiums in Pennsylvania are adding a teen driver, coverage levels and credit scores.
Adding a teen driver to your policy can triple your rates in Pennsylvania.
How Much Adding a Teen Driver Matters in Calculating Car Insurance in Pennsylvania
Adding a teen driver can significantly raise the cost of your car insurance. This is because teenagers have less experience on the road, making them more likely to get in an accident. Since they’re considered high-risk drivers, insurers will charge you more if you add a teen to your policy.
In Pennsylvania, adding a teen driver is the factor with the biggest impact on your insurance rates. It can multiply your rates by 3x.
How Much Coverage Levels Matters in Calculating Car Insurance in Pennsylvania
The cost of your car insurance is affected by your chosen coverage levels. Getting more coverage gives you extra protection, but it means you’ll have higher car insurance rates.
The cheapest coverage you can purchase in Pennsylvania is state minimum liability-only, while many drivers opt for more complete protection with full coverage, a $500 deductible and 100/300/100 liability limits. Choosing a full coverage policy can multiply your rates by 2.4x.
How Much Credit Score Matters in Calculating Car Insurance in Pennsylvania
Your credit score can influence how much you’ll pay for car insurance in Pennsylvania. It’s important to remember that having an excellent credit score can get you cheaper car insurance rates than a poor credit score.
If you have poor credit, it can multiply your car insurance rates in Pennsylvania by 2.3x.
How Much Age of Driver Matters in Calculating Car Insurance in Pennsylvania
Insurance providers use the age of a driver in determining car insurance rates. They tend to charge higher rates for young drivers. Likewise, senior drivers might also pay more for car insurance than their middle-aged counterparts.
In Pennsylvania, the cheapest car insurance is for a 40-year-old driver, while the priciest is for a 19- or 20-year-old. Depending on your age, it can multiply your rates by 2.1x.
How Much The Car Model Matters in Calculating Car Insurance in Pennsylvania
The model of your car can have a significant impact on the cost of your car insurance. Some models are more expensive to repair. Meanwhile, others have a higher risk for damage. These factors can raise your car insurance rates.
Insurers in Pennsylvania will charge more if you’re driving a luxury car. A more expensive car model can double your insurance rates.
How to Calculate How Much Car Insurance You Need in Pennsylvania
The amount of insurance you buy has a noteworthy impact on the cost of your car insurance. Calculating how much car insurance you need in Pennsylvania can help you find the right balance between cost and protection.
Pennsylvania requires bodily injury and property damage liability insurance, along with medical payments coverage. That said, you should consider buying additional liability insurance and comprehensive and collision insurance depending on your situation.
Understand Pennsylvania car insurance requirements
Reviewing Pennsylvania’s minimum car insurance requirements can help you figure out how much car insurance you need. The state’s minimum required insurance policy will only protect you for $15,000 of bodily injury liability per person with up to $30,000 per accident, along with $5,000 each for property damage and personal injury protection (PIP) coverage. Pennsylvania also doesn’t require you to purchase comprehensive and collision insurance, which protects you against damage to your car.
Consider Purchasing Additional Liability Insurance
If you want to be protected against the costs of a major accident, you may need liability insurance limits higher than the Pennsylvania state minimum.
Let’s illustrate this with a hypothetical. Let’s say that, in Pennsylvania, the average cost of minimum liability insurance is $687. In this scenario, increasing your policy to full coverage with 100/300/100 limits would raise your premium to roughly $1,073.
Decide whether or not to buy comprehensive and collision insurance
You should determine if you need a full coverage policy, which has comprehensive and collision insurance. While Pennsylvania law doesn’t require it, lenders might if you’re leasing or financing your car.
In Pennsylvania, adding comprehensive and collision with a $1,000 deductible costs an average of $499 per year. However, you may not need it if you’re paying hundreds of extra dollars per year to fully insure a car that is only worth a few thousand dollars.
Consider buying additional protection besides these core coverages
Pennsylvania doesn’t require uninsured/underinsured motorist coverage. However, you should consider purchasing it as an affordable way to protect yourself against uninsured drivers. About 6.0% of drivers in the state are uninsured, which is the sixth-lowest rate among all 50 states.
Getting insured in Pennsylvania also means that you’re covered for up to $5,000 in medical costs and lost wages with medical payments coverage.
Frequently Asked Questions About How Car Insurance is Calculated in Pennsylvania
To help you better understand how car insurance is calculated in Pennsylvania, MoneyGeek answered some frequently asked questions.
Methodology
MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Pennsylvania. Our data science team analyzed how personal factors impacted costs and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.
About Mark Fitzpatrick
