How Much Does Auto Insurance Cost for College Graduates in Pennsylvania?

Wouldn’t it be so easy if we could just give you the name of the exact company that has the lowest car insurance rates for college graduates? It’s not that simple, unfortunately, as there are a whole bunch of unknown elements like where your residence is in Pennsylvania, if full coverage is needed, whether or not you are married, and your financial stability. This article will discuss the best ways to save money and also should give you a good beginning to your quest for cheaper car insurance.

Performance level and cost of the vehicle requiring coverage is one of the biggest factors when trying to find cheap auto insurance for college graduates in Pennsylvania. Vehicles with lower acceleration and performance, an excellent safety record, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models. The data below showcases insurance prices for a handful of the most economical automobiles to buy coverage for.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in vehicle location which can increase or decrease insurance rates greatly.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in your specific Pennsylvania location which can alter premium rates greatly.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price information does not factor in zip code location which can modify rates considerably.

Finding reliable, affordable auto insurance is not the easiest thing to do, and deciding which company quotes the cheapest auto insurance rates for college graduates calls for a bit more work. Each insurance company uses their own method for establishing rates, so let’s rank the auto insurance companies with the most affordable rates in Pennsylvania.

It’s important that you understand Pennsylvania auto insurance rates are calculated based on many things which can significantly increase or decrease the cost of your policy. Simply turning a year older, having a claim, or getting a couple of tickets can trigger rate changes that may make certain companies higher-priced than the competition.

Cheapest Insurance Rates for Grads

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General Casualty normally has some of the cheapest car insurance rates in Pennsylvania at around $740 annually. Erie, Travelers, USAA, and Penn National also are some of the cheaper Pennsylvania car insurance companies.

As shown above, if you currently have a policy with USAA and switched to General Casualty, you could realize a yearly savings of approxmiately $69. Drivers with Penn National could save as much as $92 a year, and Amica customers might reduce rates by $252 a year.

If you want to find out if you’re overpaying, click here to get a free quote or feel free to get quotes from the companies below.

Be aware that those policy rates are averages for all types of insureds and vehicles and do not take into consideration a price discount for college graduates. So the company that can offer you the best price may not even be featured in the list of companies shown earlier. That helps illustrate why you need to compare rates from as many companies as possible using your own individual information.

For college grads, one of the largest things that is used by car insurance companies to determine a rate quote is where your car is garaged in Pennsylvania. Larger areas like Philadelphia, Chester, and Norristown tend to pay higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheap auto insurance for college graduates in Pennsylvania.

The information below ranks the most expensive places in Pennsylvania for college graduates to buy an auto insurance policy in.

Prices are estimated as the garaging address in Pennsylvania can impact auto insurance rates considerably.

Geico vs State Farm vs Allstate vs Progressive

When comparing rates for auto insurance for college grads in Pennsylvania, four good companies to start with are Geico, State Farm, Allstate, and Progressive. When added together, they make up about half of all car insurance policies in America. They all have slightly different coverage options that buyers can choose from. The next table compares and contrasts pricing and service ratings, plus some optional coverages that may be available in Pennsylvania.