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:
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 Tier||Average Annual Rate in Pennsylvania|
|Below Fair to Poor||$2,228|
|Average — All Credit Tiers||$1,433|
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
|City||Average Annual Rate — Worst Credit||Average Annual Rate — Poor Credit||Average Annual Rate — Below Fair to Poor Credit|
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
|Company||Average Annual Rate — Worst Credit Tier|
If you're finding car insurance with a bad credit history, keep these tips in mind:
- See car insurance quotes
- Know when — and when not — to file your claims
- Know what goes into auto insurance rates