Cheapest Car Insurance for Young Drivers in Pennsylvania

Wouldn’t this article be short if we could tell you instantly the single company that has the cheapest rate quotes for young drivers? It’s not quite that easy, unfortunately, as there are a whole bunch of unknown elements such as if you are a woman or a man, whether or not you are currently insured, the level of liability coverage you want, and if you have points on your license. We know insurance is not everyone’s favorite topic, but in this article we will cover some of these topics and educate you enough to have a jump start in finding the best auto insurance.

Shopping around for cost effective insurance is easier said than done, and deciding which companies offer the most affordable insurance rates for young drivers calls for even more diligence. Insurance prices may be much higher than the state average, with the extra cost attributed to the potentially higher risk that comes with offering insurance for youthful drivers, but reasonable insurance may be achievable if you look hard enough. Each company uses their own calculation to set policy rates, so we need to take a look at the insurance companies that tend to have lower prices in Pennsylvania.

Best Car Insurance Prices for Teens

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General Casualty offers some of the lowest car insurance rates in Pennsylvania at around $726 per year. Erie, Penn National, Travelers, and USAA would also be considered some of the best Pennsylvania insurance companies.

As shown in the table above, if you are insured with Travelers and switched to Erie, you might see yearly savings of around $19. Insureds with USAA might save as much as $25 a year, and Auto-Owners policyholders might realize rate reductions of up to $171 a year.

These policy prices are averaged for all drivers and vehicles and and are not calculated with a price increase for young drivers. So the insurer that fits your age and vehicle best may not even be shown in the list above. That is why you need to compare rates from multiple companies using your own driver data and vehicle information.

The vehicle that is being insured is probably the largest consideration when shopping for the cheapest auto insurance for young drivers in Pennsylvania. Vehicles with lower performance, good safety features, or low incidents of liability claims will cost significantly less to insure than high performance models.

The next tables ranks car insurance premiums for a selection of the more afforable automobiles to buy coverage for.

Table data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific location information which can influence premiums greatly.

Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in your specific Pennsylvania location which can alter insurance rates noticeably.

Prices above based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates significantly.

When shopping for the cheapest auto insurance for youthful drivers, one of the many components that is looked at to help calculate car insurance rates is where you choose to live. Larger areas like Philadelphia, Chester, and Norristown will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.

The following table ranks the most costly cities in Pennsylvania for young drivers to buy auto insurance in.

Rate information is estimated as the specific Pennsylvania residence address can increase or decrease rates noticeably.

Responsible drivers pay cheaper insurance rates

The easiest method to enjoy low insurance premiums in Pennsylvania for youthful drivers is to be a cautious driver and avoid accidents and traffic citations. The information below demonstrates how speeding tickets and at-fault collisions raise annual premium costs for different ages of insureds. The data is based on a married female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

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In the previous example, the average cost of an auto insurance policy per year with no violations or accidents is $1,811. Get one speeding ticket and the average cost surges to $2,108, an increase of $297 each year. Then include one accident along with the one speeding ticket and the yearly cost of insurance for young drivers jumps again to an average of $2,947. That’s an increase of $1,136, or $95 per month, just for not driving carefully!

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

If you want the best auto insurance for youthful drivers in Pennsylvania, probably the best companies to start with are Geico, State Farm, Progressive, and Allstate. They all have the same basic coverages, but each one has different features and discounts that may steer you one way or another. The data below compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages that may be available in your state.

How to find budget-friendly insurance for young drivers

The list below details some of the recommended penny-pinching suggestions that can help you buy more affordable car insurance.

• Increase the comprehensive and collision deductibles on your policy
• Do not waste money insuring older vehicles for full coverage
• Do not get into accidents that are your fault
• Just one traffic violation will increase your rates
• Clean up your credit
• Safe vehicles generally have lower rates
• Shop around for cheaper prices often

The last tip in the list is very vital, as we noted in this write-up. Auto insurance rates fluctuate constantly, so you should be ready to buy a different policy if a cheaper price is available.

Having brand loyalty is commendable, but it’s not a good idea if that loyalty ends up costing thousands of dollars over several years. It only take a few minutes to shop around and find cheaper car insurance for young drivers.

Who has the cheapest insurance quotes for youthful drivers?

There are a variety of different ways to quote and buy insurance in Pennsylvania, but the most common methods are using an independent agent, a captive (or exclusive) agency such as Liberty Mutual or Allstate, or buying direct from a company like Progressive or Geico.

Each way is similar, but buyers need to know the differences in how they price policies.

Independent agencies work with multiple companies and can get policy pricing from all of them. Independent agents are not locked into one company and can provide multiple price quotes, which may provide you with the best idea of how your rates compare. If they find a lower price, it’s easy for the agent to move the policy and you can remain with the same agent.

An exclusive agent is usually restricted to one company like an Auto-Owners or State Farm agent. Exclusive agents normally do not have the ability to provide other companys’ prices, so you might not find the best rates.

Opting to purchase insurance direct means you skip local insurance agents and buy direct from companies such as Progressive or Geico. This option can be a good choice for people who do not need complex risk management and know more than average about what specific coverages they need.

Which way works best to buy the cheapest auto insurance for young drivers in Pennsylvania? One answer would be buying direct yields the cheapest rates because there are no middleman commissions, but that turns out to not be true. A valid argument could also be made that an independent agent is the best way due to more options, but that’s not always true, either. In many circumstances, the exclusive agents have really good rates that other insurance companies cannot touch.

Since insurance prices vary so much, really the only way to get rock-bottom rates is to obtain price quotes and compare them. Money-saving experts recommend you get quotes from all three to give yourself enough choices. For a list of companies offering online discounts, click here to view.