Who Has Cheap Car Insurance for a Learners Permit in Pennsylvania?

Finding reliable, cost effective insurance is not most people’s favorite thing to do, and determining which company quotes the best car insurance rates for a learners permit will require more quotes for comparison. Policy prices will be significantly pricier than the state average, with the extra cost attributed to the extra risk that goes along with selling coverage for new drivers, but competitively-priced coverage may be attainable if you find the right company. Every auto insurer has a different formula to set policy rates, so let’s take a look at the most budget-friendly car insurance companies in Pennsylvania.

We do need to point out that Pennsylvania car insurance rates are determined by lots of factors that can increase your annual premium. Simply turning a year older, buying a different vehicle, or getting a few speeding tickets can trigger changes in premium that may make certain companies more affordable than competitors.

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General Casualty may offer some of the most affordable car insurance rates in Pennsylvania at around $740 a year. Erie, Travelers, Penn National, and USAA are also some of the cheapest Pennsylvania car insurance companies.

As depicted above, if you are insured with Penn National and switched to Erie, you could earn an annual premium reduction of roughly $24. Drivers with USAA could save as much as $25 a year, and Auto-Owners policyholders might reduce rates by $201 a year.

If you would like to find cheap car insurance for a learners permit in Pennsylvania, click here or click several companies below for low rates.

Remember that these estimates are averages across all drivers and vehicles in Pennsylvania and are not factoring in a price surcharge for a learners permit. So the company that has the cheapest rates for you may not even be included in the list of companies above. That points out the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.

The car, truck, or SUV you are insuring is probably the most important factor that determines if you can find cheap insurance for a learners permit. Vehicles with lower performance, modern passenger safety features, or a low likelihood of having liability claims will cost significantly less to insure than fast, unsafe models.

The information below features coverage rates for a handful of the most cost-effective vehicles to buy insurance for.

Data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in zip code location which can lower or raise premiums considerably.

Price data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in specific garaging location which can modify premiums substantially.

Prices above based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific location which can lower or raise auto insurance rates greatly.

For new drivers, one of the more important components that impact the cost of insurance is where your residence is in Pennsylvania. Areas with increased crime or more people like Philadelphia, Chester, and Norristown tend to pay higher rates, whereas areas with less crime or weather claims tend to receive slightly lower rates.

The following table shows the most expensive cities in Pennsylvania for a learners permit to purchase auto insurance in.

Premium costs are approximated as the specific garaging location can revise premium rates greatly.

Discounts on cheap car insurance for a learners permit in Pennsylvania

Insurance providers that offer coverage for a learners permit may also offer rate discounts that could potentially reduce rates by 40% or more if you are eligible. Large car insurance companies and some of the premium reductions they offer can be found below.

The example below compares annual premium costs with and without discounts being applied to the rates. The premiums assume a male driver, no violations or accidents, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, passive restraint, anti-theft, paperless filing, continuous coverage, and good student discounts applied. When taking advantage of discounts, the average savings per year on car insurance for a learners permit is 13% or $373.

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