Best Car Insurance for Drivers With
Bad Credit in Pennsylvania

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Bad Credit Car Insurance in Pennsylvania

It's possible that bad credit could make getting car insurance in Pennsylvania more difficult. Some states prohibit car insurance companies from taking your credit information into account when setting rates, but Pennsylvania insurers might review your credit score before deciding whether to insure your vehicle. This doesn't mean you'll be denied car insurance coverage if you have a bad credit score. You just might end up paying a higher premium.

Fortunately, car insurance credit checks in Pennsylvania are considered "soft inquiries" and will not affect your credit score.

Pennsylvania Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$171
Excellent
$199
Good
$193
Average
$209
Poor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Pennsylvania?

Drivers with bad credit pay about 10.47 percent more than average in Pennsylvania. According to the Insurance Information Institute, factors such as your payment history and total debt are used to determine your risk level. Car insurance companies apply these figures to assess how likely you are to file a claim in the future. Your credit-based insurance score is just one piece of the puzzle, however. Your driving record and claims history will also play into your insurance rates.

$189
Avg. Monthly Cost - for Drivers with Good Credit
$209
Avg. Monthly Cost - for Drivers with Bad Credit
$20 Monthly Impact of Bad Credit on Rates
10.58% Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Pennsylvania?

It's possible to get car insurance without a credit check in Pennsylvania. You just have to find a company that's willing to provide coverage without running a credit check. Cure Auto Insurance, for example, sells car insurance in Pennsylvania without credit checks. The downside to insuring your vehicle with a company that doesn't check credit is that the policy can be more expensive than it would be with a standard insurer. Before you move forward with a car insurance company that won't run a credit check, get a quote from companies that do to get a side-by-side comparison.

Best Car Insurance Companies for Bad Credit in Pennsylvania

Fortunately, there are plenty of car insurance options in Pennsylvania if you have bad credit. Travelers, Plymouth Rock, and Dairyland Insurance offer some of the lowest monthly car insurance rates for Pennsylvania drivers with bad credit, so they'd be a great start. If they're not a fit, there are at least five more car insurance companies to check out that have average monthly rates of less than $200.

CarrierAvg. Monthly Cost
Travelers$113
Plymouth Rock$149
Dairyland Insurance$162
Safeco Insurance$164
Verti$174
Liberty Mutual$180
Bristol West$190
Midvale Home & Auto$190
American Family Insurance$209
SafeAuto$209

Pennsylvania Car Insurance Rates by Credit Tier

Surprisingly, Pennsylvania drivers with an average credit score pay a lower average monthly car insurance rate than those with good credit. This is further proof that credit scores are just part of what determines your car insurance rates. What's less surprising is drivers with bad credit in Pennsylvania pay a higher average monthly car insurance rate.

Credit TierAvg. Monthly Cost
Excellent$171
Good$199
Average$193
Poor$209

Car Insurance Rates With Bad Credit in Pennsylvania Cities

Two of Pennsylvania's most well-known cities, Philadelphia and Pittsburgh, appear to be the most expensive places to drive with bad credit. This is especially true of Philadelphia, where drivers with a low credit score pay an average of $300 a month in insurance premiums. Drivers with bad credit in York meanwhile pay almost half as much.

CityCredit TierAvg. Monthly Cost
PhiladelphiaPoor$302
PittsburghPoor$213
AllentownPoor$188
ReadingPoor$183
YorkPoor$151
HarrisburgPoor$193

Tips for Researching Bad Credit Pennsylvania Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Pennsylvania draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.