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Pennsylvania Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in Pennsylvania (2022)
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 | Avg. 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 |
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
No Violation$191
Speeding Ticket$210
At-Fault Accident$217
Failure to Stop$221
Reckless Driving$295
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 | Avg. Monthly Cost |
|---|---|
| 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.
No Violation - Avg. Monthly Rate$191
Speeding ticket - Avg. Monthly Rate$210
$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.
No Violation - Avg. Monthly Rate$191
Speeding ticket - Avg. Monthly Rate$217
$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.
No Violation - Avg. Monthly Rate$191
Speeding ticket - Avg. Monthly Rate$221
$30 ▴
Avg. Monthly Rate Increase
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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.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. 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. See All Auto Insurance Companies
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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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.