How Much are Auto Insurance Quotes for High Risk Drivers in Pennsylvania?

Finding decent, cost effective car insurance is not the easiest thing to do, and determining which insurers offer the most affordable insurance rates for high risk drivers takes even more work. Prices will more than likely be significantly higher than the average price in Pennsylvania attributed to the additional risk that goes along with selling coverage for high risk drivers, but economical coverage should be available with a little diligence.

Every insurance provider has a different formula to determine rates, so let’s take a look at the lowest cost insurance companies in Pennsylvania. It’s important that you understand Pennsylvania insurance rates are calculated based on many things which can significantly increase or decrease your annual premium. Price variation is why Pennsylvania drivers need to spend some time comparing rates when trying to find affordable car insurance rates for high risk drivers. Car insurance prices consist of many different factors and can change substantially, so the most economical company when you last compared rates may now not even be in the top five.

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General Casualty has some of the lowest car insurance rates in Pennsylvania at around $726 a year. Travelers, USAA, Penn National, and Erie also rank well as some of the cheapest Pennsylvania insurance companies.

In this example, if you currently have a policy with Penn National and switched to General Casualty, you could earn annual savings of approxmiately $90. Drivers with Erie might save as much as $98 a year, and Auto-Owners insureds might reduce prices by as much as $267 a year.

Remember that these policy prices are averaged across all types of drivers and the different vehicles they drive and do not factor in a price surcharge for high risk drivers. So the insurer that can offer you the lowest price may not even be included in the company chart above. That is why you need to get quotes using your own specific driver information and vehicle.

One of the many components that auto insurance companies use to determine the cost of insurance is where you keep your vehicle. Cities with larger populations like Philadelphia, Chester, and Norristown tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims generally have lower rates.

The next table lists the more expensive cities in Pennsylvania for high risk drivers to buy auto insurance in.

Premium costs are comparative as the garaging address in Pennsylvania can increase or decrease auto insurance rates considerably.

The vehicle you are trying to insure is one of the main factors that determines if you can find cheap car insurance for high risk drivers in Pennsylvania. Vehicles with more horsepower, a lack of modern safety features, or high incidents of liability claims will cost more to insure than more economical and safe models. The list below illustrates auto insurance prices for the most budget-friendly vehicles to insure in Pennsylvania.

Cost estimates assume married female driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in Pennsylvania location which can raise or lower premium rates noticeably.

Looking at the rates, we can assume that makes and models like the Honda CR-V, Ford Escape, Chevrolet Traverse, and Chevrolet Silverado are most likely going to be a few of the more affordable vehicles to insure for high risk drivers. The price of auto insurance will tend to be more expensive because there is more risk for high risk drivers, but generally speaking those models will probably have the lowest prices that you’ll find.

Buying coverage from a highly-rated insurance company can be challenging considering how many companies there are to choose from in Pennsylvania. The company information in the next section may help you pick which companies you want to consider purchasing coverage from. The ratings below are only made up of large, nationwide insurance companies, so companies that may only write in Pennsylvania are not factored into these rankings.

Top 10 Large Auto Insurance Providers in Pennsylvania Ranked by Customer Satisfaction

1. Titan Insurance – 93%
2. The Hartford – 93%
3. The General – 91%
4. Progressive – 90%
5. 21st Century – 89%
6. USAA – 87%
7. Erie Insurance – 87%
8. State Farm – 87%
9. Travelers – 87%
10. Safeco Insurance – 86%

Top 10 Large 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

Ideas to find more affordable car insurance for high risk drivers

Below you’ll find some of the recommended money-saving solutions that can help Pennsylvania drivers find more affordable coverage.

• Don’t waste money on full coverage for older vehicles
• Do not get tickets or violations
• Too many claims can make car insurance unaffordable
• Avoid having at-fault accidents
• Buy a safer vehicle
• Bundle home and auto and save
• Keep rates low by comparing prices once a year

That last idea is certainly critical, as was affirmed in the article above. Car insurance rates in Pennsylvania fluctuate constantly, so don’t be unwilling to buy from a new company if you find a cheaper price.

Staying with the same company for years is fine, but it’s not a great idea if your bullheadedness ends up costing you potentially thousands of dollars a year. If you have a few minutes, shop around and find cheaper car insurance for high risk drivers.