Cheapest Auto Insurance in Pennsylvania (2024)

Drivers in Pennsylvania can find the cheapest car insurance quotes with State Farm, starting at $51 per month for liability-only coverage.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 años de experiencia en redacción de contenidos

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Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.

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Ashley Cox
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Ashley CoxSenior Managing Editor
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated December 22, 2024

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Cheapest recent car insurance quotes in Pennsylvania

Drivers in and around Pennsylvania have found policies from CSAA, First Acceptance, GEICO, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance in Pennsylvania averages $174 monthly for full coverage and $93 for minimum coverage, Insurify data shows. Pennsylvania drivers pay less for car insurance than the national averages of $202 per month for full coverage and $105 for liability-only policies.

A comparatively low fatality rate, which has declined over the past few years, likely contributes to the commonwealths lower car insurance costs.[1] Pennsylvania also has a low population density and only three cities with populations of more than 100,000 residents. Less traffic congestion in an area can mean fewer accidents and lower car insurance rates.

Commonwealth drivers can save even more by comparing car insurance quotes from multiple companies. Heres what you need to know about finding affordable car insurance in Pennsylvania.

Quick Facts
  • State Farm, Mile Auto, and Erie are the three cheapest insurers for Pennsylvania drivers.

  • Pennsylvania drivers pay an average of $2,086 per year for full-coverage car insurance.

  • Driving without insurance in Pennsylvania can result in a $300 fine and a three-month suspension of your driver’s license and vehicle registration.[2]

3 of the cheapest car insurance companies in Pennsylvania

Your financial situation and insurance needs influence the type of coverage and insurer that will work best for you. If you have a driving incident on your record — or need a certain type of coverage — you can find a quality car insurance company that caters to your specific situation.

Here are a few of the cheapest car insurance companies in Pennsylvania.

State Farm

State Farm logo
User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$51/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$110/mo
4.2
Best choiceBased on 9,253 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,087)

Phillip

December 22, 2024

Verified Review

Normal

Overall, it was good but the prices are getting higher.

Robert

December 21, 2024

Verified Review

Costs are high!

The cost is high.

Jake

December 21, 2024

Verified Review

They Raise Your Rates

They are terrible; they raise your rates.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

The largest property and casualty insurer in the U.S. by market share, State Farm sells many insurance products, including vehicle, home, property, small business, life, health, pet, and disability insurance. State Farm offers customizable auto insurance at an affordable price. Customers can choose to purchase optional coverages like collision, comprehensive, rental, rideshare, and emergency roadside service insurance.

Pros
  • You can save up to 20% with the Steer Clear discount

  • Bundling opportunities available

Cons
  • Mixed customer reviews online

  • Doesn’t offer gap insurance

Travelers

Travelers logo
User Reviews
4.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$77/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$165/mo
4.7
Best choiceBased on 772 verified guest reviews and ratings
How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (399)

Larry

December 14, 2024

Verified Review

Bye

It's very hard to file a claim. You have to take all kinds of pictures.

Joan

December 13, 2024

Verified Review

Not Recommended: Travelers Insurance

Their prices are outrageous. I have been with them for 10 years without any accidents. The customer service representatives can barely speak English and don't offer solutions.

Thomas

December 10, 2024

Verified Review

Checking Rates

I have no problem with Travelers. I'm just looking to check rates with other insurance carriers.
See all Travelers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
860
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Travelers, another top 10 national insurer, provides quality coverage that’s affordable. Drivers can earn even lower premiums by qualifying for one or more of the company’s 12 advertised discounts. Customers with home or renters insurance can save by bundling this coverage with their auto policy.

Pros
  • Offers numerous discounts

  • Customizable coverage options

Cons
  • Below-average Better Business Bureau (BBB) customer rating

  • Rideshare coverage only available in Colorado and Illinois

Erie

Erie Insurance logo
User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$59/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$127/mo
4.1
Best choiceBased on 253 verified guest reviews and ratings
How drivers feel about Erie Insurance

Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance

Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (133)

Valerie

December 20, 2024

Verified Review

Erie is good, but with our clean driving record, it should be cheaper

It's good insurance, but I believe I could find it cheaper elsewhere.

Lacy

December 11, 2024

Verified Review

They were okay, I guess

They're okay, I guess. They wouldn't sell me full coverage because my car had just a couple of dents, but I still thought it looked good.

Bret

December 9, 2024

Verified Review

Average

Good, but just too expensive.
See all Erie Insurance reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
867
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

With its headquarters in Erie, this insurer has been in business since 1925 and has many agents available in Pennsylvania to help you customize your car insurance policy. Its standard policies include first accident forgiveness, windshield repair, and pet injury coverage, which not all insurers offer.

The company also has several add-on coverage options, including motorcycle insurance, new car replacement, and rental car coverage.

Pros
  • Top J.D. Power customer satisfaction rating in Pennsylvania

  • A+ (Superior) financial strength rating from AM Best

Cons
  • Available in only 12 states

  • Can’t file claims online

How to get the cheapest car insurance in Pennsylvania

Finding car insurance that fits into your budget is essential, but a cheap policy doesn’t always equal quality coverage. You should choose an insurer with solid industry rankings and a good track record of quality customer service.

The following tips can help you find a reputable car insurance company at the best price:[3]

  • Shop around. You should compare quotes from at least three insurers to find the coverage you need at an affordable price.

  • Increase your deductible. Choosing a higher deductible can help you lower your premiums. Make sure you can pay the deductible if you need to file a claim.

  • Add discounts. You should always take advantage of discounts related to your driving history, vehicle safety features, membership with certain organizations, and more.

  • Maintain good credit. Insurers can use your credit-based insurance score to determine how likely you are to file a claim. Improve or maintain your credit score to qualify for better premiums on your insurance policy.

  • Drive a safe vehicle. Insuring a car with safety features, like anti-lock brakes, can lower your premiums and qualify you for policy discounts.

Low-cost car insurance in Pennsylvania 

Pennsylvania doesn’t have a financial assistance program to provide low-income drivers with low-cost car insurance. 

If you’re on a budget and looking for low-cost car insurance in Pennsylvania, you should consider getting quotes from multiple car insurance companies to find the most affordable option. Car insurance rates vary from company to company, and an insurer that previously held the cheapest rates may no longer have the best deal available.

Find Car Insurance in Pennsylvania

Liability rates start at $51 per month

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Cheapest liability-only car insurance quotes in Pennsylvania: State Farm

A liability-only policy covers bodily injury and property damage to other parties when you’re at fault in an accident. While this is the most cost-effective option, it doesn’t provide coverage for your medical expenses and vehicle damage. You may have to pay out of pocket for your own vehicle repairs if you cause an accident and you dont have full-coverage car insurance.[4] And, if the damages or injuries you cause cost more than your policy limits, you may be on the hook to pay the difference.

Liability-only insurance in Pennsylvania costs $93 per month, on average. Check out the chart below to find Pennsylvania’s most cost-effective liability-only car insurance.

10 Cheapest Liability-Only Insurance Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Pennsylvania: Mile Auto

A full-coverage policy pays for your vehicle repairs, even if you cause an accident. This type of policy includes liability, comprehensive, and collision coverages. Frequent or high-risk drivers — and people with expensive vehicles — should consider a full-coverage policy. If you have a loan or a lease on your car, most lenders require you to purchase full coverage.

“Having adequate coverage ensures that you and other drivers will be protected in the case of an accident, regardless of who was at fault,” says Kyle Pearman, agency owner of the Atherton Group in Pennsylvania.

Pennsylvania drivers pay an average of $174 per month for a full-coverage policy.

Full coverage typically costs more than a liability-only policy, but you can still find coverage at a competitive price. Find the most affordable insurers for full-coverage policies in Pennsylvania below.

10 Cheapest Full-Coverage Insurance Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in Pennsylvania

Drivers in and around Pennsylvania have found policies from The General, Liberty Mutual, Bristol West, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
  • Your age is one of the biggest factors that influences your car insurance rates. Teen drivers pay the highest rates because they don’t have much driving experience. Rates typically decrease for drivers around age 25, but they go up again around age 70 because senior drivers may have decreased vision and slower reaction times, which increases their risk of an accident.

    The table below shows average liability-only and full-coverage insurance costs for Pennsylvania drivers in various age groups.

    Age Group
    Average Quote: Liability Only
    Average Quote: Full Coverage
    Teen drivers$151$283
    Adult drivers$94$176
    Senior drivers$74$138
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Pennsylvania

Pennsylvania is a no-fault state, which means that insurers must cover their policyholders’ medical bills related to an accident, regardless of fault.

In Pennsylvania, you must carry a minimum amount of liability insurance, as well as medical benefits coverage through personal injury protection (PIP) or medical payments (MedPay) coverage. PIP pays for a broad range of medical expenses after a car accident, such as lost wages and rehabilitation costs. MedPay covers medical expenses and funeral costs. 

These are the minimum coverage requirements in Pennsylvania:[5]

Coverage
Minimum Requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$5,000 per accident
Medical benefits$5,000

You may decide to purchase more than the state’s minimum coverage for more protection. Consider the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If the at-fault party doesn’t have enough insurance to cover your medical expenses or vehicle repairs, this insurance fills coverage gaps. Uninsured/underinsured motorist coverage can also pay for damages from a hit-and-run accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    After a non-collision event, like weather, theft, or vandalism, causes vehicle damage, comprehensive insurance pays for repairs.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance kicks in after a collision with another vehicle or object, even if you caused it.

  • illustration card https://a.storyblok.com/f/162273/150x150/13c17bd678/car-service-96x96-orange_027-car-lift.svg

    Gap coverage

    Gap insurance, also known as guaranteed asset protection, can help pay off your car loan if an accident totals your car (or someone steals it) and you owe more on your loan than your insurance company pays.

  • illustration card https://a.storyblok.com/f/162273/x/9ffcc07fc9/damage-from-aircraft.svg

    Accident forgiveness coverage

    Some insurance companies offer accident forgiveness coverage, which guarantees your premium wont increase after your first at-fault accident. Depending on the insurance company, accident forgiveness may be a free add-on, or you may have to pay extra for it.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Many insurers offer roadside assistance coverage as an add-on that connects you with a professional towing or repair service when your car breaks down. The service can typically send someone to help with issues like a flat tire, dead battery, or lost keys.

Cheapest car insurance companies in Pennsylvania by driving record

Driving incidents include at-fault accidents, speeding tickets, DUIs, and other moving violations. If you have an incident on your motor record, your probability of having another is higher than someone with a clean record. Therefore, your risk profile increases, and your insurer may charge you more for an auto policy.

Drivers with a clean record typically pay the lowest premiums.[6]

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Avg. Quote With Speeding Ticket
Avg. Quote With At-Fault Accident
Avg. Quote With DUI/DWI
State Farm$61$66$81
Mile Auto$65$70$84
Erie$74$79$93
Auto-Owners$79$84$101
National General$82$87$106
Plymouth Rock$83$89$101
Travelers$94$101$122
GEICO$96$103$125
Progressive$96$105$127
Allstate$108$115$141
Foremost$110$116$133
Direct Auto$115$126$150
The General$118$126$150
Safeco$118$124$136
Nationwide$124$132$160
USAA$126$135$165
Chubb$148$156$190
Dairyland$150$159$196
Bristol West$152$161$196
CSAA$164$178$187
State Auto$184$197$222
Liberty Mutual$216$228$261
Hugo$216$251$287
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance quotes across Pennsylvania cities

According to Insurify’s data, Pennsylvania’s car insurance rates are set to increase 35% by the end of 2024. But prices vary widely across the state. The table below shows the cost of car insurance across different cities in Pennsylvania.

  • City
    Average Quote: Full Coverage
    Average Quote: Liability Only
    Allentown$183$113
    Bethlehem$149$88
    Harrisburg$163$90
    Lancaster$123$80
    Philadelphia$291$167
    Pittsburgh$168$95
    Reading$190$94
    York$151$83
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Pennsylvania car insurance FAQs

You should prioritize your coverage needs when looking for car insurance in Pennsylvania. The following information should help you navigate finding cheap coverage in the state.

  • How much is car insurance in Pennsylvania?

    On average, Pennsylvania drivers pay $93 per month for liability and $174 per month for full-coverage car insurance. Your specific quote depends on your driving record, credit history, age, vehicle type, ZIP code, insurer, coverage levels, and more.

  • What is the cheapest car insurance company in Pennsylvania?

    State Farm is the cheapest car insurance company in Pennsylvania, with monthly liability-only rates of $51.

  • Can you buy dollar-a-day insurance in Pennsylvania?

    No. Pennsylvania doesn’t offer dollar-a-day insurance. But drivers living in New Jersey can purchase dollar-a-day insurance.

  • What’s the shortest car insurance coverage term you can buy in Pennsylvania?

    Most standard car insurance policies last six or 12 months. But Hugo, a newer insurer, sells policies that last between three days and six months in Pennsylvania and several other states. You can buy coverage for as little as three days at a time, paying smaller amounts more frequently instead of all at once. But the insurer only offers state-minimum coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Pennsylvania Department of Transportation. "2022 Pennsylvania Crash Facts & Statistics."
  2. Pennsylvania Department of Transportation. "Insurance Law Overview and Frequently Asked Questions."
  3. Insurance Information Institute. "How to save money on car insurance."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. Pennsylvania Insurance Department. "Automobile Insurance Guide."
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Alani has been a contributor at Insurify since January 2023.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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