It would sure make life easier if we could just give you the name of the single company that has the lowest rates in Pennsylvania. It’s not quite that easy, unfortunately, as there are a whole bunch of unknown factors like if you have a tendency to get pulled over, if you are a man or woman, your financial stability, and whether you just need liability insurance, that all impact the cost of coverage. The content below covers the best ways to avoid overpriced car insurance and also should give you some help in finding cheaper rates.
Finding reliable, affordable car insurance is not always easy, and deciding which companies quote the lowest-priced car insurance rates for hybrid vehicles calls for even more rate comparisons. Each auto insurer has a different process to establish rates, so let’s take a look at the car insurance companies with the most affordable rates in Pennsylvania.
Find Cheaper Auto Insurance for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $748 |
| 2 | Travelers | $811 |
| 3 | USAA | $817 |
| 4 | Erie | $824 |
| 5 | Penn National | $840 |
| 6 | Auto-Owners | $973 |
| 7 | Atlantic States | $1,005 |
| 8 | Amica | $1,022 |
| 9 | Donegal Mutual | $1,069 |
| 10 | GEICO | $1,111 |
| 11 | Allied | $1,144 |
| 12 | California Casualty | $1,186 |
| 13 | State Farm | $1,198 |
| 14 | State Auto | $1,229 |
| 15 | Encompass | $1,357 |
| 16 | Harleysville | $1,438 |
| 17 | Mutual Benefit Group | $1,439 |
| 18 | Nationwide | $1,447 |
| 19 | Progressive | $1,457 |
| 20 | Chubb | $1,536 |
| Compare Rates Now Go | ||
General Casualty offers some of the lowest car insurance rates in Philadelphia at around $748 per year. This is $909 less than the average policy premium paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National would also make the list of some of the lowest-priced Philadelphia, PA car insurance companies.
As illustrated above, if you buy coverage from Erie and switched to General Casualty, you could realize yearly savings of roughly $76. Policyholders with Penn National may save as much as $92 a year, and Auto-Owners insureds might reduce prices by as much as $225 a year.
If you want to see how much you could save, click here to begin a quote or visit any of the companies below.
Be aware that those policy rates are averages across all types of insureds and vehicles and and are not figured with a specific location for hybrid vehicles. So the company that fits your age and vehicle best may not even be in the list above. That illustrates why you need to compare prices as often as possible using your own driver information and specific vehicle type.
For hybrids, one of the largest considerations that aid in calculating the annual cost of car insurance is where you live. Areas with high crime rates or more dense population tend to pay slightly more, whereas areas with less people or fewer weather incidents have the gratification of cheaper auto insurance rates.
The next table sorts the highest-priced areas in Pennsylvania for hybrid vehicles to purchase car insurance in. Philadelphia ranks #1 costing $2,057 for the average policy, which is around $171 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $2,057 |
| 2 | Drexel Hill | $1,549 |
| 3 | Chester | $1,379 |
| 4 | Levittown | $1,365 |
| 5 | Norristown | $1,281 |
| 6 | Allentown | $1,141 |
| 7 | Erie | $1,115 |
| 8 | Easton | $1,102 |
| 9 | Reading | $1,099 |
| 10 | Municipality of Monr | $1,091 |
| 11 | Bethlehem | $1,087 |
| 12 | Pittsburgh | $1,085 |
| 13 | Scranton | $1,081 |
| 14 | Hazleton | $1,078 |
| 15 | Wilkes-Barre | $1,057 |
| 16 | Plum | $1,047 |
| 17 | Harrisburg | $1,015 |
| 18 | New Castle | $1,015 |
| 19 | Altoona | $1,012 |
| 20 | Bethel Park | $1,009 |
| Get a Custom Quote Go | ||
Rate information is approximated as the specific geographic location can raise or lower coverage rates significantly.
Pennsylvania car insurance companies
Picking the top insurance provider can be a challenge considering how many companies are available to choose from in Philadelphia. The rank data listed below could help you select which auto insurers you want to consider putting your business with. These ratings only include companies with a nationwide focus, so companies that have a smaller presence will not be included in the list.
Top 10 Large Auto Insurers in Philadelphia Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Auto Insurers in Philadelphia Ranked by Value
- The General
- The Hartford
- Titan Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
- Progressive
The illustration below illustrates how your deductible choice can change insurance costs when searching for cheap insurance for hybrid vehicles. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
In the chart above, a 50-year-old driver could lower their car insurance rates by $270 a year by increasing from a $100 deductible to a $500 deductible, or save $408 by selecting a $1,000 deductible. Young drivers, such as the Age 20 example, could shave as much as $888 each year by using a higher deductible.
When choosing a higher deductible, it will now be necessary to have plenty of money set aside to cover the extra out-of-pocket expense that comes with higher deductibles.
Why you should be shopping around
Pennsylvania car insurance rates are based on many factors that can increase the price you have to pay for coverage. Simply turning a year older, moving to a new city, or getting a DUI can trigger rate changes resulting in some rates now being more affordable than before. Not only that, but companies change rates as needed to adjust for gains or losses. Heavy losses can result in rate hikes, while lower claim levels may result in cheaper Philadelphia car insurance rates.
As an example, the graph below demonstrates which company has the cheapest car insurance in Philadelphia, PA for a 35-year-old female driver with no prior accidents, a clean driving record, and good financial standing. If we look at prices based on her personal profile, General Casualty quotes the best car insurance rates in Philadelphia at $1,683 a year. This is $26 more than the average premium paid by Pennsylvania drivers of $1,657. Travelers, Erie, USAA, and Penn National also make the list of the cheapest Philadelphia, PA auto insurance companies.
Now we will give the driver from the first rate comparison a claim surcharge, a lower credit score, and a few blemishes on her driving record. Due to the fact that each insurance company has a different formula to determining premium rates, analyzing rates may now show a different ranking of affordable Philadelphia car insurance companies as shown below.
Auto-Owners now has the cheapest insurance rate in Philadelphia with Atlantic States, Donegal Mutual, Erie, and USAA now being in the top five. This example demonstrates why it is so important to shop around with many companies to find the best auto insurance quotes for hybrid vehicles. Car insurance prices consist of many things and can change substantially, so the most affordable company two years ago may now be quite expensive.
The auto insurance agents in Philadelphia shown below can answer your questions and help you decide which coverages are best, since many people would rather have professional advice when comparing insurance rates for hybrids. It can be complicated to find the best coverage on your own, so insurance agents can give satisfaction knowing your policy gives you adequate protection. To find an auto insurance agency by location nearest to you, click the link after the list or click here to compare price quotes.
Savage Insurance Agency LLC
300 W Cheltenham Ave – Philadelphia, PA 19126 – (215) 224-4890
Burg Insurance
2707 Kirkbride St – Philadelphia, PA 19137 – (215) 744-4100
Terra Insurance Services
1879 Cottman Ave – Philadelphia, PA 19111 – (215) 742-3743
Accu Insurance Agency
7010 Elmwood Ave – Philadelphia, PA 19142 – (215) 726-0270
Kowalewski Jawork Insurance Agency Inc
706 S 5th St – Philadelphia, PA 19147 – (215) 922-1222
More Philadelphia, PA insurance agents
How to find cheaper car insurance for hybrid vehicles
The list below details some of the recommended penny-pinching solutions that can help drivers find lower-cost coverage.
- Maintain a safe distance and avoid accidents
- Multi-policy discounts save money
- On older vehicles, drop full coverage
- Avoid filing excessive claims
- Save money by obeying traffic laws and keeping a clean driving record
- Get cheaper liability coverage by choosing a safer vehicle
- Shop around and save
The last suggestion is particularly important, as was noted in the article above. Coverage prices in Philadelphia vary considerably, so drivers shouldn’t hesitate to switch companies if a better rate can be found. Brand loyalty is great, but we do not recommend it if that dedication is costing a small fortune year after year. In just a few minutes you could compare rates to find cheaper insurance for hybrid vehicles.