Cheap Car Insurance for Drivers with a DUI in Pennsylvania

After getting a DUI, one of the big factors that auto insurance companies use when figuring the cost of insurance is where you normally keep your vehicle. Cities with larger populations like Philadelphia, Chester, and Norristown are more likely to pay higher prices, whereas areas that tend to be more rural can boast about having cheaper rates.

The table below lists the most expensive areas in Pennsylvania for drivers with a DUI to buy an auto insurance policy in.

Rate quotes are estimated as the vehicle garaging location can modify price quotes greatly.

The type of vehicle on the policy is probably the biggest factor that determines whether or not you find cheap car insurance for drivers with a DUI in Pennsylvania. Vehicles with limited top-end speed, an excellent safety record, or a track record of few liability claims will cost less to insure than fast, unsafe models. The information below illustrates coverage costs for some of the most budget-friendly automobiles to insure.

Table data represents married male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in vehicle location which can revise coverage prices substantially.

Based upon these rates, you can conclude that models like the Honda Accord, Honda CR-V, Ford Escape, Ford F-150, and Toyota Prius are most likely going to be some of the cheapest vehicles to insure after getting a DUI. The price for an auto insurance policy will trend higher because of the fact that there is more claim risk for drivers with a DUI, but in general those models will tend to have the best rates that you are likely to find.

Selecting the best car insurance provider is difficult considering how many choices there are in Pennsylvania. The company ratings below may help you select which car insurance providers you want to consider purchasing a policy from. These ratings only include companies with a national presence, so companies that only write business in Pennsylvania or surrounding areas are not included in this list.

Top 10 Major Auto Insurance Providers in Pennsylvania Ranked by Value

1. The General
2. The Hartford
3. Titan Insurance
4. Farmers Insurance
5. 21st Century
6. Safeco Insurance
7. AAA Insurance
8. State Farm
9. Travelers
10. Progressive

Top 10 Major Auto Insurance Providers in Pennsylvania Ranked by Customer Service

1. Titan Insurance
2. The Hartford
3. American Family
4. Progressive
5. USAA
6. Travelers
7. State Farm
8. GEICO
9. Erie Insurance
10. Allstate

How to find low-cost auto insurance for drivers with a DUI

The list below details some penny-pinching solutions that can help you get lower-cost coverage.

• At-fault accidents will increase rates
• Buy vehicles with five-star safety ratings
• Clean up your credit rating
• Drop full coverage on older vehicles
• Bundle home and auto and save
• Shop around for cheaper prices

The last idea is particularly valuable, as was affirmed in the article above. Auto insurance rates in Pennsylvania adjust frequently, so drivers shouldn’t hesitate to buy a policy from a new company if a lower price can be found.

Sticking with a specific company is fine, but it’s not recommended if that devotedness results in you overpaying a wad of cash every year. Take a couple minutes and compare rates and find cheaper insurance for drivers with a DUI.

Who has the cheapest insurance quotes after getting a DUI?

Thanks to technology, there are a lot of ways to find cheap car insurance in Pennsylvania, but the most prevalent methods are through a non-exclusive or independent agent, an exclusive agency such as State Farm or Auto-Owners, or from a direct company like Geico.

All three ways are similar, but shoppers should understand the differences in how they price policies.

Independent agencies work for many companies and can get rate quotes from each one. These types of agents have the freedom to provide you with more rate quotes, which may give you a better comparison. If your agent finds better pricing, an independent agent can move your coverage and you do not have to find a new agent.

Exclusive agencies are only able to quote your policy with one company, two popular examples being Farmers Insurance or State Farm agents. These agents are not able to provide rate quotes from other companies, so they really need to provide good service.

Opting to purchase car insurance direct means you forego either of the other two types of agents and instead buy buying direct from a company like Geico or Esurance. Shopping direct may be the best choice people who do not need risk management and have knowledge of what coverages they need.

So out of those three methods, which one works best to buy cheap car insurance for drivers with a DUI in Pennsylvania? The majority of people assume that shopping direct results in the cheapest rates since that prevents the need to pay agent commissions, but in reality, that argument does not hold true. We could also assume that going through an independent agent can save the most money since they have access to many companies, but that is not accurate either. In a lot of cases, the exclusive agents have very competitive rates that are the lowest in Pennsylvania.

Due to the large number of rating factors, really the only way to get rock-bottom rates is to compare, compare, and compare some more. We recommend you get rate quotes from all three to have enough rates to compare. For a list of companies offering online discounts in Pennsylvania, click here to view.