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.
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.
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.
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.
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.
|Carrier||Avg. Monthly Cost|
|Midvale Home & Auto||$190|
|American Family Insurance||$209|
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 Tier||Avg. Monthly Cost|
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.
|City||Credit Tier||Avg. Monthly Cost|
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.