Car Insurance for Good Drivers in Pennsylvania

The Zebra
July 15, 2019

Car insurance for good drivers in Pennsylvania

Many of the factors insurance companies use to set your car insurance rates lie beyond your control: your gender, age, and location are important rating factors over which you don’t have much say. But there are a few factors you can control if you're looking for more affordable rates.

If you’re seeking more affordable insurance, try to keep your driving history clean, your credit score solid, and your monthly mileage low. Car insurance companies are willing to provide price breaks to drivers who present little risk. Exhibiting as little risk as possible behind the wheel can lead to lower rates.

See below example rates from top companies for low-risk customers in Pennsylvania.

Auto insurance rates for drivers with no citations in Pennsylvania

One way to reduce your auto insurance rates is to avoid tickets and citations. Insurers view good drivers as less risky customers and assign them more affordable rates. Staying on the right side of the law is a great way to cut your insurance costs.

If you’ve steered clear of violations in recent years, start your insurance search with Erie, with average annual premiums of $812. That sums to $581less than the average car insurance rate for citation-free drivers in Pennsylvania.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN PENNSYLVANIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Erie$812
Atlantic States Insurance$833
General Casualty$1,052
Allied$1,124
State Farm$1,170
Donegal Mutual Insurance Co$1,197
Nationwide$1,206
GEICO$1,651

Auto insurance rates for drivers with above-average credit scores in Pennsylvania

Auto insurance companies reward clients who maintain a solid credit profile. Insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score is “good,” your best auto insurance option in Pennsylvania could be Erie, offering average rates of $812. If your credit score is in the “excellent” range, Erie could be the best option. Erie's rates for drivers with "excellent" credit average are $476 per year less than the typical car insurance rate for drivers with excellent credit in Pennsylvania.

Find below a breakdown of auto insurance rates in Pennsylvania for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN PENNSYLVANIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Erie$812
Atlantic States Insurance$833
General Casualty$1,052
Allied$1,124
State Farm$1,170
Donegal Mutual Insurance Co$1,197
Nationwide$1,206
GEICO$1,651

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN PENNSYLVANIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Erie$741
Atlantic States Insurance$833
General Casualty$1,007
State Farm$1,044
Allied$1,100
Nationwide$1,102
Donegal Mutual Insurance Co$1,149
Progressive$1,501

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN PENNSYLVANIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Erie$696
Atlantic States Insurance$803
State Farm$931
Donegal Mutual Insurance Co$972
General Casualty$973
Nationwide$987
Allied$987
Progressive$1,333

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Car insurance for low-mileage drivers in Pennsylvania

If you drive infrequently, you're less likely to file an auto insurance claim. That’s the logic auto insurance companies use to charge infrequent drivers less. If you don't exceed the threshold of 7,500 miles per year, you could save some money on car insurance. Exactly how much you'll save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a Pennsylvania driver who drives only infrequently, consider Erie, which offers average per-year savings of $722 for low-mileage customers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN PENNSYLVANIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Erie$671
Atlantic States Insurance$833
State Farm$1,038
General Casualty$1,052
Allied$1,124
Donegal Mutual Insurance Co$1,197
Nationwide$1,206
GEICO$1,544

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Car insurance rates for good drivers in Pennsylvania — by city

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurers price policies by the driver’s home ZIP code, adjusting premiums for the risk levels associated with various regions.

Find below a summary of car insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Scranton$1,522$1,522$1,407$1,268$1,552
Erie$1,578$1,578$1,461$1,318$1,605
Pittsburgh$1,635$1,635$1,512$1,364$1,668
Allentown$1,691$1,691$1,558$1,401$1,774
Philadelphia$2,742$2,742$2,541$2,293$2,796

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