How Much Does Auto Insurance Cost for Hybrid Vehicles in Pennsylvania?

You have most likely watched the commercials from companies like Farmers and State Farm that guarantee huge savings. So drivers should just choose one randomly, right?

It’s not that simple, unfortunately, as there are a whole bunch of unknown aspects like the annual mileage you drive, your marital status, the performance level of your vehicle, and what coverage limits you need, that all factor into the price you pay. The information below covers the types of things that cause high car insurance rates and will give you a solid foundation to find cheaper car insurance.

The type of vehicle you are buying coverage for is probably the biggest factor when shopping for cheap car insurance for hybrid vehicles in Pennsylvania. Vehicles with more horsepower, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than safer, lower-performance models.

The next table outlines car insurance premiums for a handful of the most affordable automobiles to insure in Pennsylvania.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Prices do not factor in zip code location which can change premiums significantly.

Based upon these rates, you can presume that makes and models like the Honda Accord, Toyota Prius, and Honda CR-V should be the most affordable vehicles to insure for hybrids.

For hybrids, one of the more important components that insurance companies use to determine the amount you pay for auto insurance is where you keep your vehicle in Pennsylvania. Areas that are more densely populated or have higher claim rates like Philadelphia, Chester, and Norristown tend to pay more, whereas cities that are not as densely populated generally benefit from lower insurance rates.

The information below sorts the most expensive areas in Pennsylvania for hybrid vehicles to purchase a policy in.

Prices are approximated as vehicle location can affect coverage rates substantially.

Figuring out which company has the cheapest car insurance rates for hybrid vehicles calls for a little more sweat in order to find the lowest price quote. Every auto insurer has their own unique process to establish rates, so let’s take a look at the car insurance companies that tend to be cheaper in Pennsylvania.

It’s a good idea to know that Pennsylvania car insurance rates are based on many factors that may substantially change the cost of coverage. Improving your credit rating, buying higher coverage limits, or having a fender bender can trigger changes in premium that can now make some companies more affordable than before.

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General Casualty quotes some of the most affordable car insurance rates in Pennsylvania at around $726 a year. Travelers, Erie, Penn National, and USAA also qualify as some of the best Pennsylvania car insurance companies.

In the above rates, if you buy coverage from Erie and switched to General Casualty, you could realize savings of upwards of $74. Pennsylvania drivers with Penn National might save as much as $82 a year, and USAA insureds might realize rate reductions of up to $83 a year.

To see how much you can save, click here to start your custom quote or quote prices from the following companies.

Remember that these estimates are averaged for all drivers and vehicles and and are not figured with a price discount for hybrid vehicles. So the company that can offer the best rates for your situation may not even be included in the above list. That affirms the importance of why you need to quote rates from many companies using your own driver data and vehicle information.

Discount Pennsylvania insurance rates

Insurance providers that provide cheap car insurance for hybrid vehicles in Pennsylvania could also offer discounts that can lower rates by as much as 35% if you are eligible. A list of companies and a selection of discounts are outlined below.

• State Farm has discounts for passive restraint, student away at school, anti-theft, good driver, safe vehicle, defensive driving training, and accident-free.
• Farmers Insurance discounts include youthful driver, pay in full, distant student, teen driver, bundle discounts, and electronic funds transfer.
• Progressive may include discounts for good student, multi-vehicle, homeowner, multi-policy, and online signing.
• GEICO includes discounts for daytime running lights, emergency military deployment, defensive driver, driver training, anti-lock brakes, and air bags.
• Auto-Owners Insurance may offer discounts for safe driver, paid in full, air bags, anti-theft, and student away at school.
• The Hartford may have discounts that include good student, defensive driver, anti-theft, driver training, and vehicle fuel type.
• Farm Bureau offers discounts for renewal discount, youthful driver, multi-vehicle, safe driver, multi-policy, and good student.
• USAA offers premium reductions for safe driver, loyalty savings, good student, defensive driver, multi-policy, family discount, and annual mileage.

The example below shows the comparison of premium costs with and without discounts applied to the policy premium. Data assumes a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, marriage, safe-driver, homeowner, multiple vehicle, and passive restraint discounts applied. When these discounts are applied, the average amount saved each year on car insurance for hybrid vehicles is 28% or $448.

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Progressive, Allstate, State Farm, or Geico: Who is best?

If you’re looking for the best car insurance for hybrids in Pennsylvania, four companies to take a look at are Progressive, Allstate, State Farm, and Geico. All of them offer liability and physical damage protection, but each on has a slightly different mix of options and features that buyers can select from. The data below illustrates some of the ratings and options that are available for buyers.