Best Cheap Car Insurance for Teachers in Pennsylvania

Best Cheap Car Insurance for Teachers in Pennsylvania

One of the more important components that insurance companies use to calculate a rate quote is your address. Areas that are densely populated or have higher claim frequency like Philadelphia, Chester, and Norristown likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims generally benefit from lower insurance rates.

The information below rates the more expensive cities in Pennsylvania for teachers to buy auto insurance in.

Where does Pennsylvania rank for car insurance cost?
Rank City Annual Premium
1 Philadelphia $1,997
2 Drexel Hill $1,549
3 Chester $1,393
4 Levittown $1,379
5 Norristown $1,268
6 Reading $1,099
7 Allentown $1,097
8 Easton $1,091
9 Erie $1,082
10 Municipality of Monr $1,081
11 Plum $1,079
12 Pittsburgh $1,053
13 Scranton $1,049
14 Wilkes-Barre $1,047
15 Hazleton $1,046
16 Bethlehem $1,045
17 Altoona $1,032
18 New Castle $1,026
19 Harrisburg $985
20 Bethel Park $979
21 Lancaster $965
22 Williamsport $956
23 York $954
24 Lebanon $932
25 State College $905
Start a Quote Go

Premium costs are comparative as the specific Pennsylvania residence address can impact prices considerably.

Locating reasonably-priced insurance is hard enough, and figuring out which company offers the lowest-priced auto insurance rates for teachers will require even more perseverance. Insurance prices will more than likely be moderately lower than the state average because of the decrease in risk that goes along with offering coverage for teachers and educators. Competitive insurance should be easily found from many insurance companies.
Every car insurance company uses their own calculation for determining prices, so first let’s look at the rankings for the auto insurance companies with the most affordable rates in Pennsylvania.

It’s important that readers know that Pennsylvania auto insurance rates are influenced by many factors which can significantly increase or decrease the cost of having a policy. Simply having another birthday, buying a newer car, or getting a reckless driving citation can produce rate changes resulting in some companies being affordable when they were higher priced.

Cheap Insurance Rates for Educators

Compare Rates Today

Rankings for the cheapest car insurance companies in Pennsylvania
Rank Company Cost Per Year
1 General Casualty $718
2 Travelers $779
3 USAA $793
4 Penn National $808
5 Erie $816
6 Auto-Owners $973
7 Atlantic States $1,005
8 Amica $1,022
9 Donegal Mutual $1,091
10 Allied $1,155
11 GEICO $1,157
12 State Farm $1,162
13 California Casualty $1,234
14 State Auto $1,267
15 Encompass $1,344
16 Harleysville $1,410
17 Mutual Benefit Group $1,439
18 Progressive $1,457
19 Nationwide $1,477
20 Chubb $1,598
Get Personalized Rates Go

General Casualty quotes some of the lowest car insurance rates in Pennsylvania at around $718 a year. Travelers, USAA, Penn National, and Erie also make the cut as some of the cheaper Pennsylvania auto insurance companies.

As shown in the rates above, if you currently buy coverage from Erie and switched to Travelers, you may see savings of upwards of $37. Customers with Auto-Owners might save as much as $194 a year, and Atlantic States insureds might see rate reductions of $226 a year.

Remember that these policy prices are averaged across all insureds and vehicles and and are not calculated with a rate discount for teachers. So the company that is most affordable for your situation may not even be included in the company chart above. That is why you need to compare prices as often as possible using your own driver information and specific vehicle type.

Ending up with the highest-rated insurance company can be a challenge considering how many choices you have in Pennsylvania. The company information below could help you analyze which insurers you want to consider when comparing rates. The ratings below are only made up of companies that insure vehicles nationwide, so smaller companies that only insure vehicles in Pennsylvania are not included in these rankings.

Pennsylvania Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 79 93 90 87% A+ 88.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

State Farm vs Geico vs Progressive vs Allstate

If you are shopping around for auto insurance for teachers and educators in Pennsylvania, probably the best companies to start with are State Farm, Geico, Progressive, and Allstate. If you add them together, they insure about half of the entire U.S. auto insurance market. Each company has unique coverages that may steer you one way or another. The data below compares and contrasts price, claims, and customer service ratings, as well as some optional coverages that may be available in Pennsylvania.

Largest U.S. Car Insurance Company Ratings
State Farm Geico Progressive Allstate
Client Satisfaction 4th 1st 3rd 2nd
Price Ranking 2nd 1st 3rd 4th
Discounts Available 3rd 2nd 4th 1st
Handling of Claims 2nd 3rd 4th 1st
Percent of U.S. market 18.3% 11.4% 8.8% 10%
Customers who recommend 88% 87% 88% 86%
Rideshare insurance Yes Yes Yes Yes
Emergency roadside service Yes Yes Yes Yes
Mechanical breakdown insurance No Yes Yes No
Accident forgiveness No Yes Yes Yes
Usage-based rating Yes No Yes Yes
New car replacement No No No Yes
Compare Prices Now Go

Who has the cheapest insurance quotes for teachers and educators?

Due to technology, there are many ways to quote and buy auto insurance in Pennsylvania, but the most preferred methods are using an independent agent, a captive (or exclusive) agent like State Farm or Allstate, or buying direct from a company like Progressive or Geico. You can use whichever method you prefer, but it’s good to know the differences in how they provide price quotes.

Independent insurance agencies work for many companies and can provide price quotes from every one. They can sell policies from many different companies and can quote rates with many companies, which may provide you with a better overall rate comparison. If prices rise, your policy is moved internally and that require little work on your part.

Exclusive agents are limited to one insurance company, a couple examples are an Allstate or State Farm agent. Exclusive agents generally are unable to quote rates from more than one company, so you will not be able to compare other companys’ rates.

When you buy auto insurance direct, you forego either of the other two types of agents and instead shop direct either online or via phone. Shopping for auto insurance direct is a good choice for people who have lower risk management needs and have some degree of understanding of what auto insurance covers.

Which way is best for finding the best cheap auto insurance for teachers in Pennsylvania? The quick answer would be buying from a direct car insurance company results in the best prices since there is no need to pay agent commissions, but unfortunately, that is not always true. And we’d like to say an independent agent guarantees the best prices since there are more companies to choose from, but again, that’s not accurate. For the right applicant, exclusive agents have really good rates that are well below what direct and independents offer.

Because it’s impossible to say who has the best auto insurance rates, really the only way to ensure you are not overpaying for auto insurance is to get quotes and compare. Experts recommend getting price quotes all three ways in order to find the best price. For a list of companies with online discounts, click here to view.

How to find the cheapest auto insurance for teachers

The list below details some of the better penny-pinching ideas that can help you locate lower-cost auto insurance.

  • Drop full coverage on older vehicles
  • You will pay more if you get tickets or have at-fault accidents
  • Try to not file small claims
  • Raise your deductibles
  • Avoid preventable accidents
  • Keep rates low by comparing prices once a year

That final tip is extremely important, as we hit on in this piece. Auto insurance prices change frequently, so don’t hesitate to switch carriers if a more affordable price is available.

Being loyal to a particular company is commendable, but is isn’t recommended if that stubbornness costs you hundreds of dollars year after year. Spend a few minutes and compare prices to find cheaper insurance for teachers.