The type of vehicle to be insured is one of the primary factors when comparing the best auto insurance for drivers with accidents. Vehicles with lower acceleration and performance, good crash test ratings, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models. The list below showcases car insurance premiums for a number of the most affordable vehicles to insure in Pennsylvania.
Vehicle Make and Model | Estimated Cost for Full Coverage |
---|---|
Honda CR-V EX 2WD | $1,775 |
Ford Escape XLS 2WD | $1,784 |
Honda Accord EX 4-Dr Sedan | $1,777 |
Toyota Prius | $1,820 |
Volkswagen Jetta S 2.5 Station Wagon | $1,909 |
Chevrolet Traverse LTZ AWD | $1,937 |
Chevrolet Impala LS | $1,966 |
Toyota Tacoma Double Cab 4WD | $1,986 |
Toyota RAV4 Limited 2WD | $1,995 |
Dodge Grand Caravan SXT | $2,007 |
Hyundai Elantra Blue 4-Dr Sedan | $2,069 |
Subaru Forester XT Limited Edition W/Navigation AWD | $2,072 |
Ford Edge SEL 2WD | $2,080 |
Honda Odyssey EX-L W/Navigation | $2,088 |
Hyundai Tucson Limited 4WD | $2,104 |
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Data assumes married female driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can affect rates substantially.
Based upon the table data, we can infer that models like the Honda CR-V, Ford Escape, Honda Accord, Toyota Prius, and Volkswagen Jetta are going to be the cheapest vehicles to insure for drivers with at-fault accidents. The cost of auto insurance will be more costly because of the fact that there is more claim exposure for drivers with accidents, but overall those specific models will probably have the best rates compared to all other vehicles.
Finding decent, cost effective auto insurance is hard enough, and determining which companies quote the best insurance rates for drivers with accidents will take even more shopping around. Policy rates should be moderately greater than the average policy in Pennsylvania attributed to the posibility of more claims that goes along with selling coverage for drivers with at-fault accidents, but affordable insurance should be obtainable with a little diligence.
Each company has their own guidelines for filing rates in each state, so we’ll take a look at the overall cheapest insurance companies in Pennsylvania. Keep in mind that Pennsylvania insurance rates are based on many factors which can substantially decrease or increase the price you have to pay for coverage. This price fluctuation is why it is important to shop around when trying to find the most economical insurance quotes for drivers with accidents. Car insurance prices are calculated by many things and change substantially, so the cheapest company the last time you shopped your coverage around may now cost much more than other companies.
Find the Best Cheap Insurance for Accident Prone Drivers
Rank | Company | Cost Per Year |
---|---|---|
1 | General Casualty | $740 |
2 | Travelers | $787 |
3 | USAA | $809 |
4 | Penn National | $816 |
5 | Erie | $824 |
6 | Auto-Owners | $1,003 |
7 | Atlantic States | $1,016 |
8 | Amica | $1,022 |
9 | Donegal Mutual | $1,091 |
10 | GEICO | $1,145 |
11 | State Farm | $1,174 |
12 | Allied | $1,179 |
13 | California Casualty | $1,186 |
14 | State Auto | $1,267 |
15 | Encompass | $1,385 |
16 | Harleysville | $1,396 |
17 | Mutual Benefit Group | $1,411 |
18 | Progressive | $1,414 |
19 | Nationwide | $1,433 |
20 | Chubb | $1,598 |
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General Casualty offers some of the best car insurance rates in Pennsylvania at around $740 per year. Travelers, USAA, Penn National, and Erie would also be considered some of the cheaper Pennsylvania car insurance companies.
As the rates illustrate above, if you are insured with Penn National and switched to General Casualty, you could earn a yearly price reduction of approxmiately $76. Policyholders with Erie could save as much as $84 a year, and Auto-Owners insureds might see rate reductions of $263 a year.
To get a quick, customized rate comparison, click here to start your custom quote or visit any of the low-priced companies below.
It’s important to note that these rates are averaged across all types of insureds and vehicles and are not factoring in a price increase for drivers with accidents. So the insurer that is best suited for you may not even be in the list above. That points out the importance of why you need to get car insurance quotes using your own individual information.
For drivers with at-fault accidents, one of the largest criteria that is used by car insurance companies to calculate the price of your policy is where you keep your car in Pennsylvania. Areas with high crime rates or more dense population like Philadelphia, Chester, and Norristown tend to have more expensive car insurance rates, whereas areas with less traffic congestion and claims get the luxury of paying less.
The table below illustrates the most expensive areas in Pennsylvania for drivers with accidents in which to buy car insurance.
Rank | City | Annual Premium |
---|---|---|
1 | Philadelphia | $1,977 |
2 | Drexel Hill | $1,504 |
3 | Chester | $1,393 |
4 | Levittown | $1,379 |
5 | Norristown | $1,307 |
6 | Reading | $1,110 |
7 | Easton | $1,102 |
8 | Allentown | $1,097 |
9 | Wilkes-Barre | $1,089 |
10 | Bethlehem | $1,087 |
11 | Hazleton | $1,078 |
12 | Scranton | $1,071 |
13 | Erie | $1,071 |
14 | Plum | $1,057 |
15 | Pittsburgh | $1,053 |
16 | Municipality of Monr | $1,049 |
17 | Altoona | $1,032 |
18 | New Castle | $1,026 |
19 | Harrisburg | $1,015 |
20 | Bethel Park | $1,009 |
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Prices are comparative as specific Pennsylvania garaging address can impact premium rates noticeably.
Finding cheap auto insurance for drivers with accidents in Pennsylvania should be important to most drivers, and one way to find cheap insurance is to only buy liability coverage. The example below visualizes the comparison of insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no other discounts are factored in.
google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2345,999],[‘Age 30’, 1241,551],[‘Age 40’, 1207,511],[‘Age 50’, 1107,479],[‘Age 60’, 1073,471],[‘Age 70’, 1335,627]]);var options = {title: ‘Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Pennsylvania’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}
As an overall average, physical damage coverage on your policy costs $1,385 per year more than insuring for liability only. That amount may make you wonder if paying for full coverage is a waste of money. There isn’t a written rule to eliminate physical damage insurance, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
When buying car insurance, some of the largest companies to start with are Progressive, State Farm, Allstate, and Geico. Between them, they insure about half of all policies written in the United States. The following table illustrates ratings and policy coverage options that you can purchase from each one.
Progressive | State Farm | Allstate | Geico | |
---|---|---|---|---|
Customer Satisfaction | 3rd | 4th | 2nd | 1st |
Claims Handling | 4th | 2nd | 1st | 3rd |
Discounts Available | 4th | 3rd | 1st | 2nd |
Price Overall | 3rd | 2nd | 4th | 1st |
Customer recommendation | 88% | 88% | 86% | 87% |
A.M. Best rating | A+ | A++ | A+ | A++ |
Usage-based insurance | Yes | Yes | Yes | No |
New car replacement insurance | No | No | Yes | No |
Mechanical breakdown insurance | Yes | No | No | Yes |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
Emergency roadside assistance | Yes | Yes | Yes | Yes |
Accident forgiveness | Yes | No | Yes | Yes |
Available in Pennsylvania | Yes | Yes | Yes | Yes |
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