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What Are Average Car Insurance Rates in Pennsylvania

PA Pennsylvania road highway cars river

Many factors play a role in determining the average car insurance rates in Pennsylvania and how much you will pay. Your driving record, the type of vehicle you have and the insurer you use all are factors to consider.  As you review the cost in your state, be sure to keep in mind factors that help you save including available discounts.

A Look at Pennsylvania Auto Insurance Rates

The smaller city sizes and areas of rural living help to make Pennsylvania auto insurance rather affordable. The cost of coverage will differ from city to city, but here are some figures to give you an idea of how much you will pay.

Rates can vary greatly within a state. A person who lives in a city such as Philadelphia may pay a significantly higher premium than if that same person lived in a more rural town. One of the reasons is that cities are more congested and the risk of colliding with another vehicle is greater than if a person drives in a smaller town. 

To illustrate, let’s look at an average 40-year-old male seeking auto insurance. His annual auto premium can vary from a low of about $1,200 up to a high of about $6,300, depending on where he chooses to live.

Factors In Determining The Average Car Insurance

As a vehicle owner and driver, you need to maintain a quality auto insurance policy designed to meet your needs and address your risks. The following are some factors that play a role in the costs you will pay.

Your Driving Record

Many factors are considered when rating an auto policy. One of the primary rating factors is a person’s driving history. If all else is equal, drivers with a good driving record pay less for auto insurance than drivers who have incidents. To get these lower rates, maintain no points on your license. Avoid tickets for moving violations. Avoid having to file claims for damage. All of this adds up and reduces your costs.

Your Savings Opportunities

Many savings options exist for drivers. To reduce your costs, speak to your insurance agent about options such as:

  • No claims discounts
  • Good driver discounts
  • Safety features such as anti-lock brakes
  • Bundling discounts
  • Higher deductible savings
  • Multiple other Plymouth Rock savings options

Compare Policies to Save the Most

To get better than average car insurance rates, shop around for coverage. Allow our team to provide you with a quote for the coverage you need. Remember, insurers offer different rates even for the same coverage. As a result, it is essential that you compare policies from multiple insurers to find one right for you. It is important that you understand auto insurance coverage  to customize a plan that is best suited for you and our family.

On average, the overall cost of car insurance remains affordable. However, you can save even more if you seek out policy discounts. Let Plymouth Rock, the best auto insurance carrier help guide you into finding the best rates available to you.

Call 855-993-4470, get your free quote online, or find an agent to learn more about what the average auto insurance rates are in Pennsylvania.