featured image
Car Insurance

Pennsylvania: Cheapest Cities to drive

Whether you’re moving to Pennsylvania or looking for a new carrier, you’ll want to compare quotes and read our list of cheapest cities to drive in order to save the most money on auto insurance.

Follow Insurify for more financial tips and tricks

The historic state of Pennsylvania, while rich in American history, isn’t immune to the ever changing cost of living. After all, prices can’t stay in the past. Nonetheless, it’s still possible to find great deals on things like car insurance. And so, if you’re making the move to the Keystone State, it’d be best to compare quotes in order to start saving.

The state average for car insurance is about $585/year

The cheapest cities in Pennsylvania to insure your vehicle:

  1. Lancaster - $455

  2. Harrisburg - $482

  3. Reading - $484

  4. Pittsburgh - $494

  5. Scranton - $516

  6. Allentown - $523

  7. Erie - $543

  8. Bethlehem - $545

  9. Levittown - $728

  10. Philadelphia - $1,081

Based on the above listing, you will be able to approximate how much your insurance will be in these cities. Data from this study has shown that prices can be as high as $970/year which, compared to the cheapest company within the entire state, is 4.1x higher than the average. Because of this huge gap in prices, it’s important to shop around for car insurance to make sure you’re getting the best deal.

In order to find a great insurance company be sure to look at the number of complaints that have been filed against them compared to its share of premiums in the market. The state average for this is approximately a complaint index number of 1. So any company that does better than this will have a lower number than 1 and vice versa. You’ll want to find lower numbers because they will indicate how customers view their own providers. For example, Liberty Mutual, Travelers, and State Farm lead with the lowest index numbers in the state and therefore should be on your research list.

Pennsylvania is a no fault state and therefore requires you to carry PIP insurance. So while you’re shopping around, remember that you must carry the state minimum coverage that includes liability to cover your own medical and property damage expenses regardless of whether or not you were at fault. The state minimum has been set at 15/30/5 which includes: $15,000 coverage for bodily injury per person, $30,000 total coverage for bodily injury per accident, and $5,000 coverage for property damage. You might want to consider buying more than the state minimum if you’re worried you won’t be able to pay for uncovered bills out of pocket.

Start shopping with a comparison site that makes it easy to customize your coverage and earn discounts. Insurify’s intelligent, virtual agent can help assess what liability exactly fits your needs and give you the power to compare all carriers within your region to get you the best rate possible.