Cheapest Car Insurance Quotes for High School Students in Pennsylvania

When shopping for the cheapest auto insurance for teenagers, one of the many considerations that is used by auto insurance companies to determine the amount you pay each year for auto insurance is where you call home in Pennsylvania. Cities with larger populations or higher claims like Philadelphia, Levittown, and Norristown tend to have more expensive auto insurance rates, whereas areas that tend to be more rural benefit from lower coverage costs.

The table below lists the highest-priced areas in Pennsylvania for high school students to purchase a policy in.

Premium costs are approximated as the specific garaging location can change coverage prices greatly.

Buying budget insurance is not always easy, and deciding which insurers offer the most affordable auto insurance rates for high school students will involve additional perseverance. Policy prices may be significantly more expensive than the average price in Pennsylvania, with the increase attributed to the added risk that goes along with offering coverage for teenagers, but economical insurance may be achievable if you shop around. Every insurance provider uses a different method for determining prices, so we’ll take a look at the most affordable auto insurance companies in Pennsylvania.

It’s a good idea to know that Pennsylvania auto insurance rates are based on many factors which can substantially decrease or increase the price of your policy. Simply turning a year older, moving across town, or getting a ticket for careless driving can produce rate changes that can now make some companies more affordable than the competition.

Cheapest Insurance Rates for Students

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General Casualty normally has some of the best car insurance rates in Pennsylvania at around $726 each year. Erie, Travelers, USAA, and Penn National would also make the list of some of the most economical Pennsylvania car insurance companies.

In the above example, if you buy coverage from Erie and switched to General Casualty, you could realize yearly savings of approxmiately $66. Drivers with Travelers could save as much as $77 a year, and USAA policyholders might realize rate reductions of up to $83 a year.

Understand that those premiums are averaged for all drivers and vehicles in Pennsylvania and and are not figured with a rate surcharge for high school students. So the insurer that can offer the best rates for your situation may not even be included in the chart above. That point stresses why you need to get rate quotes using your own personal information and vehicle type.

The chart below demonstrates how choosing different deductibles can influence annual premium costs when trying to find cheap insurance for high school students. The price estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

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As shown above, a 30-year-old driver could cut expenses by $254 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $384 by choosing a $1,000 deductible. Even younger insureds, like the Age 20 category, could lower their rates up to $762 each year just by choosing larger deductibles.

If you do decide to increase your deductibles, it will be necessary to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Finding the best car insurance provider can be difficult considering how many different companies there are to choose from in Pennsylvania. The company rank data below can help you pick which insurers to look at putting your business with.

These ratings only include large insurance companies, so smaller regional companies are not factored into these rankings. To check rates from the most competitive companies in Pennsylvania, just click here.

Top 10 Large Car Insurance Companies in Pennsylvania Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top 10 Large Car Insurance Companies in Pennsylvania Ranked by Value

1. The General
2. The Hartford
3. Titan Insurance
4. Farmers Insurance
5. 21st Century
6. Safeco Insurance
7. AAA Insurance
8. State Farm
9. Travelers
10. Progressive