Who Has Cheap Auto Insurance for Good Drivers in Pennsylvania?

The car, truck, or SUV on the policy is a significant factor when consumers are trying to find cheap auto insurance for good drivers in Pennsylvania. Vehicles with lots of horsepower, poor safety ratings, or high incidents of liability claims will cost significantly more to insure than more modest models. The list below ranks insurance rates for a number of the most affordable automobiles to buy insurance for.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Estimates do not factor in vehicle garaging location which can revise rates considerably.

Based on these rates, we can presume that cars like the Toyota Prius, Honda CR-V, Ford Escape, and Volkswagen Jetta should be the cheapest vehicles to insure for safe drivers.

Deciding which insurers offer the cheapest car insurance rates for good drivers involves more work than just getting one or two price quotes. Each company used slightly different criteria for determining prices, so let’s rank the car insurance companies that tend to be cheaper in Pennsylvania.

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General Casualty generally has some of the cheapest car insurance rates in Pennsylvania at around $740 per year. USAA, Travelers, Penn National, and Erie would also make the list of some of the best Pennsylvania car insurance companies.

In the above example, if you are a policyholder with Travelers and switched to General Casualty, you may realize a yearly price reduction of about $63. Drivers with Penn National could save as much as $68 a year, and Erie customers might reduce prices by as much as $76 a year.

To see if your current coverage is too expensive, click here or click several companies below for low rates.

Understand that those policy rates are averages for all types of drivers and the different vehicles they drive and and are not figured with a rate decrease for good drivers. So the auto insurance company that is best for you may not even be included in the rate chart shown above. That point stresses why you need to compare rates from as many companies as possible using your own individual information.

Insuring your vehicle with a good quality car insurance provider can be rather challenging considering how many choices you have in Pennsylvania. The ranking information in the lists below may help you choose which insurers to look at when comparing insurance rates for good drivers. The rankings below are only comprised of companies with a nationwide focus, so companies without a large exposure will not be included in the list.

Top 10 Large Auto Insurance Companies Overall in Pennsylvania

1. The General
2. Titan Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

The illustration below demonstrates how deductible levels can raise or lower yearly insurance costs when searching for cheap insurance for good drivers. The price estimates are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

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As shown above, a 40-year-old driver could save $226 a year by switching from a $100 deductible up to a $500 deductible, or save $340 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could drop their prices as much as $558 or even more by choosing a larger deductible amount. When using a larger deductible, it will be important to have emergency funds available to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Allstate, Geico, Progressive, or State Farm: Who is best?

When researching auto insurance for safe drivers in Pennsylvania, the four most popular companies are Allstate, Geico, Progressive, and State Farm. The following table compares ratings for price and service, as well as some optional coverages that policyholders can buy.