How Much is Car Insurance for Drivers Under 21 in Pennsylvania?

When shopping for the cheapest car insurance for minors, one of the many components that impact car insurance rates is where your residence is in Pennsylvania. Areas with more people or higher crime rates like Philadelphia, Chester, and Norristown likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.

The information below illustrates the higher priced cities in Pennsylvania for drivers under 21 to buy auto insurance in.

Rate quotes are estimated as specific location information can increase or decrease coverage prices significantly.

Everyone has different tastes in autos, and the style of vehicle you are seeking coverage for is one of the largest considerations that determines if you can find cheap insurance for drivers under 21. Vehicles with high performance, a lack of modern safety features, or an increased likelihood of liability claims will cost much more to insure than safer models. The data below estimates car insurance rates for a handful of the cheapest automobiles to insure in Pennsylvania.

Prices based on single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific zip code location which can revise auto insurance rates significantly.

Data variables include single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in Pennsylvania location which can raise or lower premiums substantially.

Premium data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific location which can lower or raise insurance rates greatly.

The diagram below demonstrates how deductible levels can affect annual premium costs when quoting cheap insurance for drivers under 21. The prices are based on a married female driver, full coverage, and no policy discounts are applied.

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As shown above, a 30-year-old driver could cut expenses by $260 a year by increasing from a $100 deductible to a $500 deductible, or save $394 by switching to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could potentially save $558 annually by choosing larger deductibles on their policy.

If you make the decision to raise deductibles, it will be important to have plenty of money set aside to pay the extra out-of-pocket expense that comes with higher deductibles.

Discounts on cheap insurance for drivers under 21 in Pennsylvania

Insurers that offer cheap quotes for drivers under 21 may additionally offer premium discounts that can reduce rates by as much as 40% or more if you meet certain criteria. A few popular companies and some of their more popular discounts are outlined below.

• Farm Bureau may include discounts for renewal discount, driver training, multi-policy, good student, 55 and retired, youthful driver, and safe driver.
• Liberty Mutual includes discounts for multi-car, safety features, newly married, newly retired, and exclusive group savings.
• State Farm offers discounts for student away at school, anti-theft, good student, Steer Clear safe driver discount, accident-free, driver’s education, and Drive Safe & Save.
• Auto-Owners Insurance may have discounts that include paid in full, safe vehicle, multi-policy, teen driver, group or association, and safe driver.
• GEICO offers discounts including emergency military deployment, anti-theft, driver training, multi-vehicle, and seat belt use.
• SAFECO offers premium reductions for drive less, homeowner, multi-car, anti-theft, and bundle discounts.

The chart below shows the comparison of insurance premiums with and without discounts applied. The premiums are based on a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with paperless filing, paid-in-full, good student, passive restraint, continuous coverage, and anti-theft discounts applied. When these discounts are applied to the policy premium, the the amount saved on insurance for drivers under 21 is 28% or $552.

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