Finding an optimal car insurance rate in Pennsylvania depends on a range of personal factors that are unique to every driver. Age, marital status, driving record and credit score all influence how much your premium costs. Furthermore, vehicle type, annual mileage and coverage level all play a role. Each provider weighs these rating factors differently – for the best results it is important to compare quotes from multiple providers before making your final decision.

Before selecting an insurer, ensure it has an excellent standing in the industry. Look for companies who rank highly on JD Power’s National Auto Insurance Customer Satisfaction surveys as well as strong financial ratings from AM Best and the Better Business Bureau.

Geico offers competitively low rates to drivers in Pennsylvania, particularly young people and those with poor credit scores. They provide various coverage options and discounts as well as boasting an A+ BBB rating and A++ AM Best financial strength rating. Nationwide also has affordable rates that make them suitable for many types of drivers, especially young drivers and those with lower credit.

Pennsylvania requires liability insurance, which pays for injuries or damages you cause in an accident that you cause. Most drivers also opt to add comprehensive and collision coverage which protects you against damage to their own vehicle or other property – however this extra coverage usually costs more than basic liability and can become very costly over time if high limits are purchased.

Reduced rates by selecting higher liability limits and lowering deductibles; as well as shopping around to find the lowest prices across companies. Some insurers offer special deals at certain times of year, so it may pay to compare quotes periodically in order to see if you can save money with Pennsylvania car insurance.

While each company calculates premiums differently, most Pennsylvania car insurance providers tend to charge lower premiums for drivers with clean records and good credit scores who maintain these attributes. Unfortunately, however, young drivers pose greater risks and therefore the costs for auto insurance tend to be more costly for them.

Pennsylvania law mandates that all drivers provide evidence of liability insurance before registering their vehicles on public roads, in the form of an Insurance ID Card, Policy Copy or Official Authority Certification.

Pennsylvania car insurance rates average approximately $1,730 annually for full coverage that includes liability and comprehensive. Erie, Allstate, Nationwide and GEICO offer competitive prices when it comes to full car coverage car insurance policies in Pennsylvania.