Best Cheap Car Insurance Companies for High-Risk Drivers in Pennsylvania

With a bad driving record, insurance companies may charge you a higher premium due to the risk they consider you to pose. However, by shopping around and comparing quotes from many high-risk insurers in Pennsylvania, you can find the best car insurance policy.

High-risk drivers in Pennsylvania can find a policy from State Farm that has great customer service and affordability. State Farm's policy is also the cheapest in the state for high-risk drivers, costing around $1,415 a year. Remember, your personalized insurance quote might vary greatly based on several variables.

Insurers commonly believe that high-risk drivers are more likely to file a claim. If you have a history of at-fault accidents, tickets or a DUI conviction, you may be considered a high-risk driver. Due to their inexperience on the road, insuring a teen driver is also seen as a risky proposition.

Insurance companies typically charge a higher premium to high-risk drivers to account for the higher likelihood of a claim. High-risk drivers in Pennsylvania should anticipate an auto insurance premium increase of around 27%.

According to MoneyGeek's research, State Farm offers the most affordable auto insurance in Pennsylvania for drivers who pose a higher risk to insurers. The average annual premium for a policy from this provider is $1,415.

For additional information on the insurer’s benefits, downsides and pricing, check out the detailed State Farm review provided by MoneyGeek.

Amongst the high-risk auto insurance companies in Pennsylvania, State Farm, with a score of 94 out of 100, is the best, as per MoneyGeek's analysis. Our State Farm review takes a comprehensive look at the company's coverage options, average rates and customer service to help you understand more about it.

Erie is the second-best in the state for high-risk drivers, with a total score of 93 out of 100.

With an average annual cost of $1,377, MoneyGeek found State Farm's quote to be the cheapest in Pennsylvania for drivers with a DUI conviction. Learn more about the insurer's coverages, discounts and customer service by reading MoneyGeek’s State Farm review.

USAA is also often an inexpensive high-risk auto insurance option in the state for active and retired military personnel with a DUI.

Teens and young drivers are generally considered high-risk. According to MoneyGeek's analysis, State Farm is the cheapest auto insurer in Pennsylvania for young drivers. The average annual premium for a State Farm auto insurance policy is $4,998 for teens.

Your age and other variables will affect your rate. Check our State Farm review to find out more about this insurance company.

According to MoneyGeek's research on auto insurance quotes with bad credit in Pennsylvania, Nationwide offers the most affordable rate. The average annual premium for a policy from Nationwide is $1,624 for those with bad credit.

Age and other criteria will affect your actual rate. Learn more about this insurance provider by reading our Nationwide review.

When evaluating high-risk car insurance quotes in Pennsylvania, MoneyGeek found insurance companies generally consider driving history and other factors. As a result, the premium for high-risk drivers is usually higher.

High-risk drivers in Pennsylvania pay $2,182 on average each year for insurance compared to $1,557 for drivers with a clean record. The difference in cost is around $625.

MoneyGeek's Pennsylvania car insurance calculator will help you estimate the cost of a policy based on personal information such as your age, vehicle type, driving history and the coverage amount. Additionally, our tool can assist you in determining which element has the most significant impact on your price.

Due to the fact that auto insurance is a completely voluntary market, you may be denied coverage if a company feels you present too significant a risk. In the event that this occurs, your best course of action is to contact the Automobile Insurance Plan Service Office (AIPSO) to find a suitable plan from the residual market. This nationwide organization that is not-for-profit has been offering its services in the auto insurance residual market for the last 48 years, during which time it has assisted high-risk drivers in finding suitable insurance policies.

You can find a residual market plan based on your location using the state-by-state database maintained by AIPSO. The Pennsylvania Assigned Risk Plan (PA ARP) is the residual market plan in Pennsylvania.

Applicants must certify that they've attempted and failed to obtain auto insurance in Pennsylvania during the past 60 days at rates in line with the Plan. All state insurers must be certified by the Governing Committee according to the Insurance Commissioner's requirements and procedures.

It can be difficult to obtain insurance coverage if you are considered a high-risk driver. To simplify the process, MoneyGeek addressed some frequently asked questions regarding Pennsylvania high-risk auto insurance.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.