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Temporary Car Insurance in Pennsylvania (With Quotes)
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Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Companies for Temporary Car Insurance Pennsylvania (2022)
For drivers looking for temporary insurance 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 looking for a 6-month policy.
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 temporary car insurance for drivers in Pennsylvania.
| Carrier | Avg. Monthly Cost |
|---|---|
| Clearcover | $120 |
| Metromile | $121 |
| Travelers | $127 |
| Plymouth Rock | $142 |
| Safeco | $163 |
What Is Temporary Car Insurance and How to Get It in Pennsylvania?
In the Keystone State, a temporary car insurance policy lasts six months and is often cheaper than a long-term 12-month policy. Many websites advertise daily, weekly, or monthly car insurance policies, but these offers are clickbait to get you into a standard six-month policy. In the U.S., most car insurance companies only sell six-month or 12-month policies. If you need a policy for less than six months, you may think about picking a six-month policy and canceling early.
Short-term car insurance policies give you the freedom to switch every six months. Temporary car insurance allows drivers to snag the best rates at renewal time. It’s a smart strategy to avoid overpaying. The best way to find an affordable premium in Pennsylvania is to use Insurify to see up to 20 short-term car insurance policy options from the top companies in a few minutes!
What Are the Average Short-Term Car Insurance Rates in Pennsylvania?
Drawing from over 25 million quotes from Insurify’s database, the numbers say Pennsylvania drivers hand over $1,280 on average for a six-month policy. When you do the math, that breaks down to $213 per month. Pennsylvania lands right in the middle of the country, ranking 25th for most expensive short-term car insurance.
| Length of Short-Term Insurance Policy | Avg. Monthly Rate, Short-Term Policy | Total Cost of 6 Month, Short-Term Policy |
|---|---|---|
| 6 months | $213 | $1,280 |
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What Are the Benefits of Choosing a Six-Month Auto Insurance Policy in Pennsylvania?
The main reason for choosing a six-month policy comes down to beating the insurance companies at their own game. Companies offer their best rates to brand-new customers, and after six months, your price will likely head upward. They make money when they raise your bill just enough to keep you as a long-term policyholder. When you shop around every six months, you routinely find the premiums reserved for new customers.
Another bonus is flexibility. Don’t like the customer service, claims process, or assigned insurance agent? That’s fine. In six months, you’ll be off to another company that treats you right. And the best way to end up in the right place is to use Insurify to search for a company that’s friendly to you and your budget.
Find Cheap Short-Term Car Insurance in Minutes
You could find cheap short term car insurance options in Pennsylvania within minutes using Insurify. All you’ve got to do is fill in some basic information about yourself and your car, and you’ll be presented with a list of up to 20 short-term car insurance policy options within minutes. These quotes are customized, real-time, and accurate. Insurify also allows you the option to toggle between the rates for a six-month policy and a 12-month policy—that way you can see for yourself which option is best for you.
Compare quotes fast, free, and online with Insurify’s car insurance quote comparison tool.
Best Short-Term Car Insurance Plans in Pennsylvania
Insurance prices and policies can vary significantly between companies, and a state like Pennsylvania draws a wide variety of choices when drivers are evaluating temporary car insurance plans.
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
Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.