Pennsylvania Car Insurance Calculator To comply with state law, Pennsylvania drivers are legally mandated to maintain at least minimum coverage on their auto policy in order to drive legally on Pennsylvania roadways. To help drivers meet this legal obligation, Pennsylvania offers this calculator that calculates minimum car insurance coverage requirements in Pennsylvania. Car insurance costs vary considerably between individuals, making it crucial to do their research and compare policies in order to find the most cost-effective policy possible. Drivers should shop around to compare policies in order to find their perfect deal. Car insurance rating factors typically include age, driving history and credit score – however there are dozens of other variables that go into calculating auto rates. To help make an informed decision about which policy best meets your needs in Pennsylvania, use our car insurance calculator to calculate average car insurance rates using our form above.
Our calculator takes into account a range of additional factors, including your location, type and value of vehicle, driving record and whether or not you wish to add comprehensive or collision coverage. Furthermore, you can adjust coverage levels to see how different options affect your rate.
Our data indicates that liability only coverage is usually the least costly Pennsylvania car insurance option, while full coverage with a $500 deductible costs around $1,073 annually or about $63/six months more than minimum coverage costs. As this additional protection may or may not be worthwhile to you.
Other factors that impact your rate include your vehicle’s make and model, driving record and demographic information such as gender. Gender is often considered one of the biggest determinants when pricing car insurance policies – due to male drivers engaging in riskier behavior and thus more likely to cause accidents than their female counterparts. Pennsylvania stands out among several states as it doesn’t permit insurers to discriminate based on gender;
Your credit score plays an integral part in your car insurance rates in virtually all states, since your history indicates the likelihood that you’ll file a claim in the future and insurance companies use this information to calculate premiums accordingly. People with excellent credit typically qualify for lower premiums than those with poorer ones – which underscores why maintaining excellent standing with credit providers is so vital.
Medical payments and uninsured/underinsured motorist coverage may be optional in Pennsylvania, but adding them could offer peace of mind. They can cover medical costs and lost wages incurred as the result of an uninsured or underinsured driver in an accident that causes injury to yourself and/or others. No-fault and at-fault car policies are available, so carefully consider all your options prior to making your selection. Pennsylvania car insurance providers with excellent customer reviews according to J.D. Power’s 2021 survey include Erie, USAA and NJM Insurance as some of the more cost-effective carriers, although smaller regional insurers such as National General or American Family may provide more cost-competitive quotes.