Auto Insurance with Bad Credit in Pennsylvania

The Zebra
March 12, 2019

It can be hard to find cheap auto insurance if you have bad credit. Car insurers utilize credit tier as a major rating factor, pricing policies based in part on clients' credit scores. Because car insurance companies rely on historical data showing drivers with bad credit are more likely to file auto insurance claims, they account for for the additional risk by assigning expensive rates.

Car insurance rates with bad credit depends on where you live, which insurance company you use, and a variety of other factors. See below average insurance prices for drivers with bad credit in major Pennsylvania cities, along with rates from top insurance companies, followed by tips to save on car insurance if you have bad credit in Pennsylvania.


Auto insurance for drivers with poor credit in Pennsylvania:

  1. Average premiums
  2. Prices by city
  3. Rates by carrier

Car insurance rates with bad credit in Pennsylvania

Drivers in Pennsylvania pay an average penalty of $1,259 each year for having a "worst"-tier credit score. A driver in the "poor" or "below fair to poor" credit tiers will also pay above-average rates for a car insurance policy.


PENNSYLVANIA CAR INSURANCE PRICES WITH BAD CREDIT

Credit TierAverage Annual Rate in Pennsylvania
Worst$2,692
Poor$2,437
Below Fair to Poor$2,228
Average — All Credit Tiers$1,433

Find affordable insurance now!


Car insurance rates with bad credit in Pennsylvania cities

Car insurance costs can also fluctuate based on the precise area in which you drive. Insurance companies rely on your address to estimate your odds of filing a claim: the more claim-prone your area,, the more expensive rates you’ll pay.

Listed below are major Pennsylvania cities and their average car insurance rates for drivers with bad credit.


BAD CREDIT CAR INSURANCE RATES IN PENNSYLVANIA CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Philadelphia$4,896$4,428$4,045
Pittsburgh$2,698$2,446$2,234
Allentown$2,849$2,582$2,360
Erie$2,657$2,407$2,200
Reading$2,837$2,571$2,349

Find a new policy!


Best car insurance companies for bad credit in Pennsylvania

Another factor that contributes to your premium is the auto insurance company you choose. Each and every auto insurance company prices its policies differently, giving rating factors varying weights in their pricing calculations. Credit can be a primary pricing differentiator between insurance companies. In Pennsylvania, the cheapest insurance company for a driver with bad credit is GEICO, which offers a premium cut of $79 per year in comparison to the second-most affordable company, Nationwide.

See below rates from leading car insurance companies in Pennsylvania for drivers with bad credit.


PENNSYLVANIA CAR INSURANCE RATES WITH BAD CREDIT — POPULAR COMPANIES

CompanyAverage Annual Rate — Worst Credit Tier
GEICO$1,660
Nationwide$1,739
Erie$2,437
State Farm$2,817
Allstate$3,195

If you're finding car insurance with a bad credit history, keep these tips in mind:

  1. See car insurance quotes
  2. Know when — and when not — to file your claims
  3. Know what goes into auto insurance rates