How to Find the Best Car Insurance
for High Risk Drivers in Pennsylvania

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in Pennsylvania.

Compare all car insurance quotes in one place

Compare Quotes

Personalized quotes in less than 2 minutes.

No signup required

What Makes a Driver High-Risk in Pennsylvania?

Not a fan of red lights? Who is! But if you're the kind of driver who runs through them, you're considered high-risk. High-risk drivers in Pennsylvania are more likely to make claims based on their behind-the-wheel behavior.

Because high-risk drivers are more likely to ask their insurance company for money, companies charge them more for their premiums. Other examples of high-risk behavior include having multiple tickets, speeding, reckless driving, and driving on a suspended license.

Pennsylvania Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$191
No Violation
$210
Speeding Ticket
$217
At-Fault Accident
$295
Reckless Driving
$221
Failure to Stop for Red Light / Stop Sign
Driving History

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

What Are the Best Car Insurance Companies for High-Risk Drivers in Pennsylvania?

If you're a high-risk driver, you know that car insurance can eat through your budget. Shopping multiple insurance companies at the same time can help you discover your best rates. The best car insurance companies for high-risk drivers in Pennsylvania include Travelers, Plymouth Rock, and Safeco Insurance.

CarrierAvg. Monthly Cost
Travelers$121
Plymouth Rock$147
Safeco Insurance$174
Liberty Mutual$179
Acuity Insurance$184
Verti$185
Bristol West$212
Dairyland Insurance$220
American Family Insurance$228
Midvale Home & Auto$248

How Much Does High-Risk Driving Affect Car Insurance Rates in Pennsylvania?

It's clear. Careful drivers always get the cheapest rates. While the average driver in Pennsylvania without any violations pays $191 for insurance premiums monthly, rates increase with each lousy driving decision. If an officer cites you for reckless driving in this state, expect to pay a lot more than for other transgressions. If you're ticketed for reckless driving here, you'll likely see rates climb 54 percent.

Driving HistoryAvg. Monthly Cost
No Violation$191
Speeding Ticket$210
At-Fault Accident$217
Reckless Driving$295
Failure to Stop for Red Light / Stop Sign$221

How Much Does a Speeding Ticket Impact Car Insurance Rates in Pennsylvania?

Excessive speeding in Pennsylvania can complicate your license and ramp up the amount you currently pay for car insurance. The average monthly rate for drivers with a speeding ticket is $210—an increase of $19 per month.

$191
No Violation - Avg. Monthly Rate
$210
Speeding ticket - Avg. Monthly Rate
$19 Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Pennsylvania?

Though causing an accident may not be as intentional as speeding, insurance companies raise rates just the same. An at-fault accident in Pennsylvania can push rates up by $26, leaving you with a monthly premium of $217.

$191
No Violation - Avg. Monthly Rate
$217
Speeding ticket - Avg. Monthly Rate
$26 Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Pennsylvania?

When Pennsylvania drivers choose to run a red, they decide to have higher insurance rates as well. While drivers without this kind of violation on their record pay $191 per month on average, red-light-runners pay $30 more.

$191
No Violation - Avg. Monthly Rate
$221
Speeding ticket - Avg. Monthly Rate
$30 Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Pennsylvania?

Not a fan of red lights? Who is! But if you're the kind of driver who runs through them, you're considered high-risk. High-risk drivers in Pennsylvania are more likely to make claims based on their behind-the-wheel behavior.

Because high-risk drivers are more likely to ask their insurance company for money, companies charge them more for their premiums. Other examples of high-risk behavior include having multiple tickets, speeding, reckless driving, and driving on a suspended license.

Tips for Researching High-Risk Pennsylvania Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Pennsylvania draws a wide variety of choices when factoring high-risk driving insurance rates.

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.