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Pennsylvania Car Insurance for Bad Credit Drivers

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Joe Dyton

By: Joe Dyton

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Companies for Drivers With Bad Credit in Pennsylvania (2022)

For drivers with bad credit in Pennsylvania, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Pennsylvania. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Pennsylvania.

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

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

Excellent
$171
Average
$193
Good
$199
Poor
$209

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.

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

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

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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.

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FAQs - Pennsylvania Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Pennsylvania. Insurify analyzed the latest data for the five most populous cities in Pennsylvania to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Pennsylvania and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Joe Dyton
Joe Dyton

Insurance Writer

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

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