Cheap Car Insurance for Uninsured Drivers in Pennsylvania

The words “economical” and “insurance” really shouldn’t be used in the same sentence, specifically when shopping around for the best insurance rates for uninsured drivers. To help control this cost, let’s open your eyes to a few of the things that can significantly affect insurance premiums, and find out if we can help you lower the price of your next policy.

Figuring out which insurers offer the most affordable insurance rates for uninsured drivers takes more work than just comparing a company or two. Every car insurance company used slightly different criteria for filing rates in each state, so let’s take a look at the most competitive insurance companies in Pennsylvania.

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General Casualty may have some of the lowest car insurance rates in Pennsylvania at around $748 a year. Erie, USAA, Travelers, and Penn National would also make the list of some of the cheapest Pennsylvania car insurance companies.

As the example above demonstrates, if you buy coverage from Travelers and switched to Erie, you may see a yearly savings of around $19. Customers with Penn National could save as much as $24 a year, and Auto-Owners insureds might lower prices by up to $181 a year.

To find out how much you can save, click here to start your free quote or quote prices from the following companies.

It’s important to note that these premium estimates are averages across all types of drivers and the different vehicles they drive and and are not figured with a price discount for uninsured drivers. So the insurer that has the cheapest rates for you may not even be in the list above. That is why you need to quote rates from many companies using your own specific driver and vehicle information.

For drivers with no prior coverage, one of the more important things that helps auto insurance companies calculate car insurance rates is where you call home in Pennsylvania. Cities that have higher claim levels or more people like Philadelphia, Chester, and Norristown tend to have higher rates, whereas areas that are not as densely populated enjoy lower auto insurance rates.

The illustration below rates the priciest cities in Pennsylvania for uninsured drivers to buy auto insurance in.

Premium costs are approximated as the specific Pennsylvania residence address can modify price quotes noticeably.

The information below illustrates how your deductible choice can influence insurance costs when trying to find cheap insurance for uninsured drivers. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2773,2537,2273,2023],[‘Age 30’, 1939,1769,1575,1389],[‘Age 40’, 1919,1753,1565,1387],[‘Age 50’, 1681,1539,1377,1225],[‘Age 60’, 1601,1465,1311,1163],[‘Age 70’, 1735,1585,1423,1271]]);var options = {title: ‘Deductibles and Auto Insurance Prices in Pennsylvania’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could pocket $304 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $456 by selecting a $1,000 deductible. Even younger insureds, such as the Age 20 example, could shave $750 or more just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it will be required to have spare funds to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Discount Pennsylvania auto insurance rates

Insurance providers that sell cheap auto insurance for uninsured drivers in Pennsylvania may also give you rate discounts that can lower rates by as much as 30% if you meet specific eligibility requirements. A few of the larger companies and their offered discounts are included below.

• The Hartford has discounts for defensive driver, driver training, air bag, vehicle fuel type, anti-theft, good student, and bundle.
• American Family has savings for accident-free, early bird, mySafetyValet, bundled insurance, and defensive driver.
• Progressive offers discounts for multi-vehicle, homeowner, online quote discount, online signing, continuous coverage, good student, and multi-policy.
• Travelers offers premium reductions for payment discounts, good student, continuous insurance, early quote, save driver, and multi-policy.
• Farmers Insurance includes discounts for electronic funds transfer, business and professional, mature driver, switch companies, and pay in full.
• USAA discounts include family discount, good student, new vehicle, safe driver, and multi-vehicle.
• Liberty Mutual offers discounts including preferred payment discount, newly retired, exclusive group savings, safety features, newly married, and new graduate.

The diagram below visualizes the comparison of car insurance rates with and without discounts applied. The rate quotes are based on a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple vehicle, multiple policy, vehicle safety, homeowner, defensive driving course, and anti-theft discounts applied. With discounts applied, the the average amount saved on insurance for uninsured drivers is 28% or $455.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2425,1745],[‘Age 30’, 1677,1219],[‘Age 40’, 1557,1129],[‘Age 50’, 1365,989],[‘Age 60’, 1319,957],[‘Age 70’, 1533,1109]]);var options = {title: ‘Comparison of Insurance Rates for Uninsured Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Pennsylvania’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}