Cheap Car Insurance for High-Risk Drivers in Pennsylvania:
Costs and Quotes (2021)
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- Car Insurance in Pennsylvania
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Cheapest Insurance Companies for High Risk Drivers in Pennsylvania (2021)
For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
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 high-risk drivers in Pennsylvania.
| Carrier | |
|---|---|
 Travelers | $121/mo |
 Plymouth Rock | $147/mo |
 Safeco Insurance | $174/mo |
 Liberty Mutual | $179/mo |
 Acuity Insurance | $184/mo |
 Verti | $185/mo |
 Bristol West | $212/mo |
 Dairyland Insurance | $220/mo |
 American Family Insurance | $228/mo |
 Midvale Home & Auto | $248/mo |
What’s in the Pennsylvania High-Risk Car Insurance Guide?
- What Makes a Driver High-Risk in Pennsylvania?
- How Much Does High-Risk Driving Affect Car Insurance Rates in Pennsylvania?
- How Much Does a Speeding Ticket Impact Car Insurance Rates in Pennsylvania?
- How Does an at-Fault Accident Impact Insurance Rates in Pennsylvania?
- How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Pennsylvania?
- Does Driving With a Suspended License Impact Car Insurance Rates in Pennsylvania?
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.
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.
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 History | |
|---|---|
| No Violation | $191 |
| Speeding Ticket | $210 |
| At-Fault Accident | $217 |
| Reckless Driving | $295 |
| Failure to Stop | $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.
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.
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.
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.
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Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.
Insurify Rate Comparison Methodology
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
