Car insurance is mandatory in Pennsylvania and its cost depends on several factors, including minimum requirements, driving record, credit score, vehicle value and coverage levels. MoneyGeek’s free Pennsylvania car insurance calculator gives an approximate estimate based on information you supply; actual prices may differ between companies so always shop around before making a final decision on a policy purchase.
Gender and age typically play an influential role in car insurance rates across most states, with men–especially young male drivers–paying more. Statistics reveal they tend to engage in riskier driving behaviors; however, Pennsylvania stands out as one of only few states not considering gender as a rating factor and all parties can expect similar premiums regardless of gender.
Driving records play a significant role in premium costs; most insurers offer discounted rates to drivers with clean records. Conversely, even one speeding ticket or recent accident can make finding affordable car insurance very challenging; DUI-related violations typically push premiums beyond reach and into unaffordability territory. Below is a table outlining how much auto insurance increases for common violations in Pennsylvania.
Drivers in Pennsylvania have the option of selecting either full tort or limited tort car insurance policies for their car insurance policy, with full tort providing compensation for pain and suffering while limited tort does not. When making this choice, full tort policies typically provide greater coverage. It is generally recommended to opt for full tort policies as these provide better compensation options than limited tort plans. In general, it’s wiser to opt for full tort over limited tort for optimal coverage.
Pennsylvania state minimum liability limits are sufficient for legal driving; however, many drivers opt for additional protection with comprehensive and collision policies. While this extra coverage will add thousands of dollars to their annual premium cost, it’s essential that each individual carefully consider whether this level of protection is essential to their personal situation.
Most drivers also choose medical payments coverage as an additional form of protection in addition to collision and comprehensive policies. This coverage pays for medical expenses incurred by you and any passengers involved in an accident regardless of who was at fault, but doing so will increase premiums significantly; before making this decision it would be wise to consult an attorney first.
Car models play a large part in the cost of Pennsylvania car insurance, as some can be more costly to repair. Furthermore, costs will likely increase significantly if driving an exotic or luxury model.
Considerations must also be given to your deductible amount, which must be paid out-of-pocket before your car insurance begins paying claims. A higher deductible can reduce rates, but before making this choice it’s essential that you understand its ramifications and assess them carefully.