Cheap Auto Insurance for State Employees in Pennsylvania

Determining which companies quote the cheapest auto insurance rates for state employees requires a tad more effort in order to find the lowest price quote. Each auto insurance company has a unique formula to set premium rates, so we’ll go over the auto insurance companies with the overall best prices in Pennsylvania.

It’s important to know that Pennsylvania auto insurance rates are based on many factors which can substantially decrease or increase the policy price. Simply having another birthday, filing a claim, or having an accident can produce rate changes resulting in some companies being cheaper than competitors.

Lowest Insurance Price Quotes in Pennsylvania

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General Casualty offers some of the lowest car insurance rates in Pennsylvania at around $740 annually. Travelers, USAA, Erie, and Penn National are also some of the more affordable Pennsylvania insurance companies.

As the rates illustrate above, if you are a policyholder with Erie and switched to General Casualty, you may see an annual savings of in the vicinity of $84. Pennsylvania drivers with Penn National could save as much as $92 a year, and Auto-Owners policyholders might reduce prices by as much as $263 a year.

To find out how your current rates compare, click here to start a quote or quote prices from the following companies.

Bear in mind that those policy rates are averaged for all drivers and vehicles in Pennsylvania and and are not figured with a price discount for state employees. So the car insurance company that can offer the best rates for your situation may not even be included in the list of companies above. That’s why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

We all like different vehicles, and the type of vehicle requiring coverage is probably the most important factor in finding cheap auto insurance for state employees in Pennsylvania. Vehicles with lower acceleration and performance, a great safety record, or a low likelihood of liability claims will cost quite a bit less to insure than fast, unsafe models.

The information below illustrates auto insurance costs for a handful of the most cost-effective automobiles to insure in Pennsylvania.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in vehicle location which can affect insurance rates noticeably.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in vehicle garaging location which can impact premium rates considerably.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in specific Pennsylvania garaging location which can decrease or increase prices substantially.

Get discount Pennsylvania auto insurance

Insurance companies that provide cheap auto insurance for state employees in Pennsylvania may also give you price discounts that can reduce rates by 30% or more if you are eligible for them. A few of the larger companies and some of the premium reductions they offer can be read below.

The diagram below illustrates the difference between insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple policy, anti-theft, multiple vehicle, vehicle safety, accident-free, and claim-free discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance for state employees is 35% or $901.

Which major car insurance company is best?

When it comes to buying auto insurance, some of the first companies to look at are State Farm, Progressive, Geico, and Allstate. When added together, they make up over 48% of all car insurance policies written. The following table ranks price and claims rank as well as some different options that are available from each company.