You’ve seen the commercials from insurers like Allstate and Farmers that say if you switch you’ll get big savings. So drivers should just pick the company with the catchiest ad, right?
That is not the case, however, as there are a whole bunch of unknown elements such as the likelihood of vehicle theft where you live, whether you are a man or a woman, whether or not you have had gaps between policies, and the amount of coverage you want. This article should teach you a little about the best ways to find cheap auto insurance and should give you a solid foundation to find cheaper car insurance in Pennsylvania.
For teen drivers, one of the big things that determine the price you pay for insurance is where your residence is. Regions with larger populations or more claims are more likely to pay higher prices, whereas less populated areas have the enjoyment of a little cheaper coverage.
The information below shows the most costly cities in Pennsylvania for teenagers to purchase a policy in. Philadelphia ranks #1 with a yearly premium of $1,997 on average, which is about $166 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Philadelphia | $1,997 |
| 2 | Drexel Hill | $1,489 |
| 3 | Chester | $1,421 |
| 4 | Levittown | $1,365 |
| 5 | Norristown | $1,281 |
| 6 | Erie | $1,115 |
| 7 | Reading | $1,110 |
| 8 | Allentown | $1,097 |
| 9 | Municipality of Monr | $1,091 |
| 10 | Easton | $1,091 |
| 11 | Plum | $1,079 |
| 12 | Wilkes-Barre | $1,079 |
| 13 | Hazleton | $1,078 |
| 14 | Bethlehem | $1,077 |
| 15 | Pittsburgh | $1,063 |
| 16 | Scranton | $1,049 |
| 17 | Altoona | $1,032 |
| 18 | New Castle | $1,026 |
| 19 | Harrisburg | $1,025 |
| 20 | Bethel Park | $1,019 |
| 21 | Williamsport | $966 |
| 22 | Lancaster | $965 |
| 23 | Lebanon | $950 |
| 24 | York | $916 |
| 25 | State College | $878 |
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Rate information is comparative as specific Philadelphia zip code can change coverage prices significantly.
Finding out which company offers the cheapest auto insurance rates for teenagers requires a little more work in order to find coverage that fits your budget. Each auto insurance company has their own guidelines for setting rates, so to begin we’ll rank the lowest cost auto insurance companies in Pennsylvania.
It’s important to understand that Philadelphia auto insurance rates are calculated based on many things which can significantly increase or decrease the policy price. Simply turning a year older, buying higher coverage limits, or having a fender bender may prompt premium changes resulting in some companies being more affordable than others.
Cheap Insurance Rates for Teens
General Casualty normally has some of the best car insurance rates in Philadelphia at around $740 per year. USAA, Erie, Travelers, and Penn National would also be considered some of the most economical Philadelphia, PA insurance companies.
As the example above demonstrates, if you are insured with Travelers and switched to General Casualty, you could earn a yearly savings of around $63. Policyholders with Penn National might save as much as $76 a year, and Amica customers might see rate reductions of $252 a year.
To see how much you can save, click here to get quotes or click through to the companies below.
Bear in mind that those policy rates are averaged for all insureds and vehicles and are not factoring in a specific zip code for teenagers. So the car insurance company that can offer you the lowest price may not even be in the top 30 companies in the list above. That’s why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
Insuring your vehicle with the highest-rated auto insurance provider can be rather challenging considering how many choices there are in Pennsylvania. The ranking information displayed below may help you analyze which providers to look at when comparing rates. The rankings below are for the largest companies in the United States, so companies without a large exposure are not included in these 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 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
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Data Source: Insure.com Best Car Insurance Companies
Safe drivers pay cheaper rates
The ideal way to find the best auto insurance premiums in Philadelphia for teen drivers is to be an attentive driver and avoid accidents and keep your driving record clean. The chart below shows how violations and accident claims can influence insurance premiums for different categories of driver ages. The prices are based on a married female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of an auto insurance policy in Pennsylvania per year with no violations or accidents is $1,981. Factor in one speeding ticket and the average cost increases to $2,305, an increase of $324 each year. Now get two accidents along with the one speeding ticket and the annual cost of auto insurance for teenagers jumps again to an average of $5,022. That’s an increase of $3,041, or $253 per month, just for not paying attention while driving!
The benefits of price comparisons
Philadelphia auto insurance rates are influenced by many factors which can substantially change the policy premium. Simply getting older, getting married, or getting a speeding ticket can produce rate changes that may make certain companies more affordable than others. Not only may things change on your end, but insurance companies modify pricing without warning to adjust for gains or losses. A period of higher than normal claims may result in increased policy costs, while a profitable period can cause cheaper Philadelphia car insurance rates.
As an example, the chart below compares the cheapest car insurance in Philadelphia, PA for a 40-year-old male driver with a clear driving record, no claims, and good financial standing. If we compare prices based on his current situation, General Casualty quotes the cheapest car insurance rates in Philadelphia at $1,667 per year. This is $10 more than the average price paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National are the remaining best Philadelphia, PA auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison an accident claim, less-than-perfect credit, and a traffic ticket or two. Since every car insurance company has a unique formula to set policy rates, analyzing rates most likely will result in a different set of cheap Philadelphia auto insurance companies as shown below.
Amica now has the cheapest car insurance in Philadelphia with Atlantic States, Donegal Mutual, GEICO, and Travelers also being competitive. This example illustrates why it is so important to perform an extensive rate comparison to get the most economical car insurance quotes for teenagers. Car insurance prices are impacted by many factors and change frequently, so the most economical company when you last compared rates may now be quite expensive.
The agents shown below can probably provide answers to your questions and help you determine which coverage meets your needs best, as some drivers aren’t sure which coverage they need and prefer to get some help when trying to find the best insurance rates for teenagers. It can be complicated to find the cheapest auto insurance company, and agents can give you satisfaction knowing you have suitable coverage if you ever need to use it. To locate a Philadelphia auto insurance agent by location nearest to you, click the link at the bottom.
- Steven Breinlinger – State Farm Insurance Agent
7904 Germantown Ave – Philadelphia, PA 19118 – (267) 323-2923 - Paul Hoffman – State Farm Insurance Agent
2655 S 12th St – Philadelphia, PA 19148 – (215) 389-4737 - State Farm: Brian Cover
7005 Bustleton Ave – Philadelphia, PA 19149 – (215) 332-9000 - State Farm – Philadelphia – Thanh Pham
254 S 10th St – Philadelphia, PA 19107 – (215) 238-7400 - Erica Bantom Martin – State Farm Insurance Agent
1124 S Broad St – Philadelphia, PA 19146 – (215) 875-8100