This would be a much shorter article if we could tell you the exact car insurance company that has the cheapest rate quotes in Pennsylvania. It’s just not that simple, as there are a ton of unknown elements like whether you are single or married, how far you drive each year, and whether or not you have had gaps between policies, that all have an effect on the price of a policy. In this article, we will cover the best ways to avoid high prices and will hopefully give you some help in finding cheaper rates.
Buying cheap auto insurance is not the easiest thing to do, and finding out which company has the best insurance rates for unemployed drivers may require even more rate comparisons. Every car insurance company uses their own method for setting rates, so let’s begin by examining the insurance companies with the overall best prices in Pennsylvania.
Best Car Insurance Prices for Job Seekers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $726 |
| 2 | Travelers | $787 |
| 3 | Erie | $792 |
| 4 | USAA | $809 |
| 5 | Penn National | $840 |
| 6 | Amica | $992 |
| 7 | Auto-Owners | $1,003 |
| 8 | Atlantic States | $1,047 |
| 9 | Donegal Mutual | $1,069 |
| 10 | GEICO | $1,111 |
| 11 | Allied | $1,144 |
| 12 | State Farm | $1,198 |
| 13 | California Casualty | $1,222 |
| 14 | State Auto | $1,267 |
| 15 | Mutual Benefit Group | $1,397 |
| 16 | Encompass | $1,398 |
| 17 | Nationwide | $1,433 |
| 18 | Harleysville | $1,452 |
| 19 | Progressive | $1,457 |
| 20 | Chubb | $1,536 |
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General Casualty offers some of the cheapest car insurance rates in Philadelphia at around $726 a year. This is $931 less than the average policy premium paid by Pennsylvania drivers of $1,657. Travelers, Erie, USAA, and Penn National also are some of the lowest-priced Philadelphia, PA auto insurance companies.
In this example, if you are currently insured with Travelers and switched to General Casualty, you may realize a yearly price reduction of around $61. Pennsylvania drivers with Erie may save as much as $66 a year, and USAA customers might realize rate reductions of up to $83 a year.
If you want to find out if you’re overpaying, click here to start your custom quote or quote rates from the companies below.
Bear in mind that those policy rates are averaged for all types of insureds and vehicles and are not factoring in an exact vehicle garaging location for unemployed drivers. So the auto insurance company that is most affordable for your situation may not even be in the top 30 companies in the list above. That helps illustrate why you need to get quotes using your own personal information and vehicle type.
For the unemployed, one of the big things that determine auto insurance rates is where you keep your car. Areas with more people or more claims tend to pay slightly more, whereas areas with less people or fewer weather incidents benefit from lower rates.
The information below ranks the highest-priced places in Pennsylvania for unemployed drivers to buy car insurance in. Philadelphia is listed at #1 having an annual price of $1,977 for the average policy, which is approximately $165 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Philadelphia | $1,977 |
| 2 | Drexel Hill | $1,534 |
| 3 | Chester | $1,393 |
| 4 | Levittown | $1,365 |
| 5 | Norristown | $1,307 |
| 6 | Erie | $1,115 |
| 7 | Reading | $1,110 |
| 8 | Allentown | $1,108 |
| 9 | Pittsburgh | $1,085 |
| 10 | Plum | $1,079 |
| 11 | Hazleton | $1,078 |
| 12 | Easton | $1,058 |
| 13 | New Castle | $1,057 |
| 14 | Wilkes-Barre | $1,057 |
| 15 | Municipality of Monr | $1,049 |
| 16 | Bethlehem | $1,045 |
| 17 | Scranton | $1,039 |
| 18 | Altoona | $1,002 |
| 19 | Williamsport | $996 |
| 20 | Lancaster | $995 |
| 21 | Harrisburg | $995 |
| 22 | Bethel Park | $989 |
| 23 | York | $926 |
| 24 | Lebanon | $922 |
| 25 | State College | $905 |
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Premium costs are estimated as the garaging address in Philadelphia can affect coverage prices considerably.
How accidents and tickets impact rates
The best way to enjoy the cheapest insurance prices in Pennsylvania for the unemployed is to drive safely and not receive tickets or have accidents. The chart below illustrates how traffic citations and fender-benders can raise insurance prices for each different age category. The premiums assume a married male driver, comp and collision included, $100 deductibles, and no discounts are factored in.
The data in the chart shows the average cost of car insurance in Philadelphia per year with no violations or accidents is $1,615. Get one speeding ticket and the average cost increases to $1,851, an increase of $236 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of insurance for unemployed drivers goes up to an average of $3,848. That’s an increase of $2,233, or $186 per month, just for not driving responsibly!
Philadelphia insurance companies ranked
Picking a high-quality car insurance provider can be rather challenging considering how many choices there are in Philadelphia. The ranking information listed below can help you select which car insurance providers you want to consider when trying to find cheaper insurance for unemployed drivers. The rankings below are only comprised of companies with a national presence, so smaller regional companies will not be included in the list.
Top 10 Large Auto Insurance Companies 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 Insurance Companies in Philadelphia Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- State Farm
- GEICO
- Titan Insurance
- Nationwide
- Allstate
- The General
- 21st Century
Full coverage rates compared to liability only
Lowering the price of insurance should be important to most drivers, and one of the best ways to pay less for insurance for unemployed drivers is to only buy liability insurance. The example below illustrates the comparison of auto insurance costs with and without full coverage. The information is based on no violations or claims, $1,000 deductibles, drivers are single, and no policy discounts are applied.
If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an extra $1,385 per year more than carrying just liability coverage. Many drivers will wonder if physical damage coverage is worth the money. There is no definitive formula for eliminating physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.