Cheap Car Insurance for 16 Year Olds in Pennsylvania

You have most likely watched the commercials from companies like Liberty Mutual and GEICO guaranteeing the cheapest rates. So you just need to pick the one with the catchiest commercial, right?

It’s just not that easy, however, as there are a lot of unknown elements like whether or not you own a home, whether you are a new or experienced driver, how much liability insurance you need, and the neighborhood you live in, that all go into determining the rate you pay. This article will cover the different scenarios that increase car insurance cost and educate you enough to have a good start in finding the cheapest insurance in Pennsylvania.

When buying insurance for new drivers, one of the key things that determine the price of your policy is where you live in Pennsylvania. Cities that have higher claim levels or more people like Philadelphia, Levittown, and Norristown will most likely pay more, whereas areas with less congestion receive better rates.

The illustration below shows the most expensive places in Pennsylvania for 16 year olds to buy an auto insurance policy in.

Information shown are estimated as vehicle location can affect insurance rates considerably.

Everyone has different tastes in autos, and the style of vehicle you are seeking coverage for is probably the biggest factor when comparing cheap car insurance for 16 year olds in Pennsylvania. Vehicles with higher performance, poor safety ratings, or a history of substantial liability claims will cost quite a bit more to insure than more modest models.

The next tables estimates coverage costs for the most budget-friendly vehicles to buy coverage for.

Cost estimates assume single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific garaging location which can modify auto insurance rates greatly.

Data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates significantly.

Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in vehicle garaging location which can decrease or increase premium rates considerably.

Finding dependable, low-cost insurance is not the easiest thing to accomplish, and deciding which companies offer the lowest-priced insurance rates for 16 year olds will involve even more shopping around. Prices will most likely be significantly greater than the average rate in Pennsylvania, with the higher price attributed to the potential for higher claims associated with offering insurance for new drivers, but competitive insurance may be attainable with a little diligence. Each insurance company has a unique formula for establishing rates, so first we will examine the insurance companies that tend to have lower prices in Pennsylvania.

Keep in mind that Pennsylvania insurance rates are impacted by many factors that will increase or decrease the price of your policy. This is why it is critical to spend some time comparing rates to find cheap car insurance rates for 16 year olds. Rates are determined by many factors and can change substantially, so the cheapest option the last time you checked may now be priced much higher than other options.

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General Casualty may offer some of the cheapest car insurance rates in Pennsylvania at around $726 each year. Travelers, Erie, Penn National, and USAA also qualify as some of the lowest-priced Pennsylvania car insurance companies.

In the above example, if you currently have coverage with Erie and switched to General Casualty, you may realize an annual premium reduction of around $90. Drivers with Penn National may save as much as $90 a year, and USAA policyholders might see rate reductions of $91 a year.

If you want to see how much you could save, click here to begin a quote or click several companies below for low rates.

Understand that those premiums are averaged for all drivers and vehicles in Pennsylvania and do not factor in a rate surcharge for 16 year olds. So the car insurance company that fits your situation best may not even be featured in the rate chart shown above. That point stresses why you need to get rate quotes using your own specific driver information and vehicle.

Pennsylvania insurance companies ranked

Selecting the top insurer is hard considering how many choices there are in Pennsylvania. The rank data shown below could help you select which providers to look at when trying to find the cheapest insurance for 16 year olds. The ratings below are for major nationwide insurance companies, so smaller regional companies are not factored into these rankings.

The illustration below demonstrates how deductibles can influence insurance premiums when trying to find cheap insurance for 16 year olds. The premiums assume a married female driver, comp and collision included, and no discounts are factored in.

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In the chart above, a 40-year-old driver could lower rates by $304 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $456 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, can save $750 or even more just by using higher deductibles.

If you do decide to increase your deductibles, it is a good idea to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Find cheap car insurance for 16 year olds in Pennsylvania

The list below details many penny-pinching ideas that can help Pennsylvania drivers get cheaper coverage.

• Buy your homeowners policy from the same company as your auto insurance
• Try to not file small claims
• Better credit rating means better rates
• Higher comprehensive and collision coverage deductibles will save money
• Keep your driving record clean
• At-fault accidents can raise rates significantly
• Compare prices as often as possible

The last item on the list is highly important, as was discussed in this write-up. Rates can change significantly in a year, so don’t be tentative to change insurance companies if a cheaper rate is available.

Having brand loyalty is commendable, but is isn’t recommended if that inflexibility results in costing you lots of money. Now is a great time to compare rates to find cheaper auto insurance for 16 year olds.