Cheap Auto Insurance for Drivers Under 25 in Pennsylvania

When shopping for insurance for drivers age 25 and younger, one of the many considerations that is used by insurance companies to determine the price you pay for insurance is your zip code in Pennsylvania. Cities that have higher claim levels or more people like Philadelphia, Chester, and Norristown likely pay more, whereas areas that tend to be more rural have the luxury of cheap auto insurance for drivers under 25 in Pennsylvania.

The next table ranks the most expensive places in Pennsylvania for drivers under 25 in which to buy car insurance.

Premium amounts are estimated as the garaging address in Pennsylvania can impact coverage rates noticeably.

Finding good, cheap auto insurance is hard enough, and deciding which company offers the best auto insurance rates for drivers under 25 will involve more quotes for comparison. Premiums will most likely be moderately pricier than the average policy in Pennsylvania, with the increase attributed to the higher likelihood of claims associated with selling coverage for drivers age 25 and younger, but reasonable insurance should be attainable if you find the right company. Each company uses different criteria for setting prices, so let’s take a look at the auto insurance companies with the most affordable rates in Pennsylvania.

It’s important to understand that Pennsylvania auto insurance rates are influenced by many factors that can increase the price you have to pay for coverage. This is why consumers need to take the time to perform an extensive rate comparison when trying to get the most affordable car insurance quotes for drivers under 25. Insurance prices consist of many risk factors and can change substantially, so the best price three years ago may now be quite expensive.

Cheapest Insurance Rates for Young Drivers

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General Casualty may offer some of the best car insurance rates in Pennsylvania at around $718 a year. USAA, Travelers, Erie, and Penn National would also make the list of some of the more affordable Pennsylvania car insurance companies.

As depicted above, if you have coverage with Erie and switched to General Casualty, you might achieve yearly savings of in the vicinity of $106. Pennsylvania drivers with Penn National may save as much as $122 a year, and Auto-Owners insureds might reduce prices by as much as $255 a year.

To find out how your current rates compare, click here to begin a quote or visit any of the low-priced companies below.

Understand that those policy rates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a price surcharge for drivers under 25. So the auto insurance company that can offer you the lowest price may not even be shown in the above rate chart. That underscores the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.

The make and model of vehicle you are seeking coverage for is probably the biggest factor when comparing cheap auto insurance for drivers under 25 in Pennsylvania. Vehicles with reasonable performance levels, advanced safety features, or a positive history of liability claims will cost much less to insure than high performance models.

The lists below features coverage premiums for a number of the most economical vehicles to buy coverage for.

Above prices assume single female 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. Premium costs do not factor in garaging location in Pennsylvania which can decrease or increase coverage prices significantly.

Price data assumes single female 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 your specific Pennsylvania location which can influence premium rates significantly.

Data variables include single female 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 quotes do not factor in specific Pennsylvania garaging location which can lower or raise prices substantially.

The illustration below highlights how deductible choice can influence premium costs when researching cheap insurance for drivers under 25. The price estimates are based on a single female driver, full coverage, and no discounts are applied.

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In the chart above, a 50-year-old driver could lower rates by $354 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $532 by selecting a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, can save as much as $908 annually just by choosing larger deductibles. When using a larger deductible, it is essential to have enough savings to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.

Which major car insurance company is best?

When comparing car insurance for drivers age 25 and younger in Pennsylvania, the companies that insure more vehicles than anyone else are Progressive, Geico, Allstate, and State Farm. When combined, they have over 45% of all vehicles in the U.S.. They all offer your standard coverages, but each one has slightly different coverages and options that may influence your buying decision. The table below ranks some of the different options that you can purchase from each one.

How to find cheap auto insurance for drivers under 25 in Pennsylvania

Below you’ll find some of the better thrifty ideas that can help Pennsylvania drivers locate low-cost auto insurance.

• Assess whether full coverage is needed
• Improve your credit rating
• Buying car and homeowners insurance together can save money
• Buy a car with high safety ratings
• Having at-fault accidents will increase rates
• Comparison shop at least once a year

The last idea is extremely necessary, as was stressed in this write-up. Prices charged by car insurance companies in Pennsylvania vary considerably, so don’t be unwilling to change to a new company if a better deal can be had.

Having a favorite company is great, but is isn’t recommended if it’s costing you big bucks every year. In just a couple of minutes you could compare prices to find cheaper insurance for drivers under 25.