Cheap Car Insurance Quotes for a 20 Year Old Male in Pennsylvania

Trying to find low-cost car insurance is challenging, and determining which insurers offer the most affordable auto insurance rates for 20 year old guys will take a little more work. Insurance prices will most likely be quite a bit more than the average rate in Pennsylvania, with the extra cost attributed to the potentially higher risk related to offering coverage for young men, but competitive coverage may be achievable if you find the right company.

Every insurance company has their own guidelines to set their prices, so to begin we’ll rank the lowest cost auto insurance companies in Pennsylvania. We do need to point out that Pennsylvania auto insurance rates are influenced by many factors that can increase the policy price. Events like a birthday, increasing liability limits, or getting a DUI may prompt premium changes resulting in some rates now being higher-priced than before.

Best Car Insurance Prices for Men Age 20

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google.charts.setOnLoadCallback(drawPAT5qcibChart);function drawPAT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘General Casualty’, 718, ‘#FF9333’], [‘Erie’, 800, ‘#D47A2A’], [‘Travelers’, 803, ‘#B06523’], [‘USAA’, 809, ‘#92541D’], [‘Penn National’, 840, ‘#794618’]]);var options = {title: ‘Low-Priced Auto Insurance Companies in Pennsylvania’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:940,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

General Casualty offers some of the lowest car insurance rates in Pennsylvania at around $718 annually. Erie, Travelers, USAA, and Penn National would also make the list of some of the cheapest Pennsylvania auto insurance companies.

As the rates illustrate above, if you currently buy coverage from Travelers and switched to General Casualty, you could earn an annual premium reduction of in the neighborhood of $85. Pennsylvania drivers with USAA may save as much as $91 a year, and Penn National policyholders might see rate reductions of $122 a year.

Be aware that those prices are averages across all ages of drivers and types of vehicles and are not factoring in a price surcharge for 20 year old guys. So the car insurance company that fits your age and vehicle best may not even be in the company chart above. That helps illustrate why you need to quote rates from many companies using your own personal information and vehicle type.

One of the many things that is used by car insurance companies to calculate the policy price is where you choose to live in Pennsylvania. Areas with more people or even just a higher incidence of claims like Philadelphia, Chester, and Norristown will most likely have higher rates, whereas areas with less crime or weather claims tend to receive slightly lower rates.

The following table displays the higher priced cities in Pennsylvania for 20 year old guys to buy an auto insurance policy in.

Annual rates are approximated as vehicle location can impact coverage rates greatly.

Everyone has different tastes in autos, and the style of vehicle requiring insurance is one of the largest considerations when consumers are trying to find cheap insurance for 20 year old guys. Vehicles with higher performance characteristics, poor passenger safety features, or an increased likelihood of liability claims will cost more to insure than safer models. The data below presents coverage rates for some of the cheaper vehicles to buy coverage for.

Table data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific garaging location which can raise or lower price quotes greatly.

Table data represents single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific garaging location which can raise or lower auto insurance rates greatly.

Table data represents single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in zip code location which can influence insurance rates significantly.

Liability only or full coverage

Finding cheap auto insurance for 20 year old guys in Pennsylvania is probably important to most vehicle owners, and one of the quickest ways to buy cheap insurance is to only pay for liability coverage. The example below illustrates the difference between insurance rates with and without full coverage. The premiums assume no claims or violations, $250 deductibles, single status, and no discounts are applied.

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As an overall average, comprehensive and collision coverage on your policy costs $2,311 per year more than buying just liability insurance. Many drivers may wonder if you should buy full coverage. There is no set rule for phasing out comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s say your vehicle’s replacement cost is $4,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $3,500 after paying the physical damage deductible. If you are paying more than $350 annually for physical damage coverage, then it could be time to drop full coverage.

There are some scenarios where only buying liability is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

How to find budget-friendly car insurance for 20 year old guys

The list below summarizes some money-saving solutions that can help Pennsylvania drivers get cheaper coverage.

• Raise deductibles
• If your vehicles are older, consider dropping full coverage
• Buy your homeowners policy from the same company as your auto insurance
• Improve your credit rating
• Vehicles with good safety ratings have lower liability rates
• Frequent claims may make car insurance unaffordable
• Compare rates and switch if you can find a better deal

The last tip in the list is highly crucial, as was noted in this write-up. Prices adjust frequently, so don’t be afraid to change to a new company if a better rate can be found. Staying with the same car insurance company is fine, but it’s not a good idea if that stubbornness costs you money that could be spent on other things. Take a few minutes and compare prices and find cheaper car insurance for 20 year old guys.