Cheapest Auto Insurance Quotes for Drivers with a Bad Driving Record in Pennsylvania
Figuring out which company quotes the lowest-priced car insurance rates for drivers with a bad driving record may require a little more work in order to find coverage that fits your budget. Each auto insurance company has their own guidelines for determining prices, so let’s take a look at the car insurance companies with the overall cheapest rates in Pennsylvania.
Cheap Insurance Rates for Imperfect Drivers
|Rank||Company||Cost Per Year|
|19||Mutual Benefit Group||$1,454|
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General Casualty has some of the best car insurance rates in Pennsylvania at around $718 each year. USAA, Travelers, Erie, and Penn National are also some of the most economical Pennsylvania insurance companies.
In the above rates, if you buy coverage from USAA and switched to General Casualty, you may see a yearly price reduction of around $75. Drivers with Travelers may save as much as $93 a year, and Erie customers might reduce rates by $98 a year.
Remember that these policy rates are averages for all insureds and vehicles and are not factoring in a price surcharge for drivers with a bad driving record. So the company that can offer the best rates for your situation may not even be in the above rate chart. That illustrates why you need to compare prices as often as possible using your own personal information and vehicle type.
For Pennsylvania drivers, one of the criteria that car insurance companies use when figuring the price of your policy is where your car is garaged in Pennsylvania. Cities with larger populations or higher claim trends like Philadelphia, Levittown, and Norristown tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.
The next table rates the most expensive areas in Pennsylvania for drivers with a bad driving record to buy an auto insurance policy in.
|7||Municipality of Monr||$1,091|
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Rate quotes are comparative as the garaging address in Pennsylvania can influence premiums greatly.
The type of vehicle that is being insured is probably the largest consideration when shopping for the cheapest car insurance for drivers with a bad driving record. Vehicles with limited top-end speed, excellent safety ratings, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models.
The next list showcases insurance rates for some of the cheaper vehicles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$2,589|
|Chevrolet Traverse LS AWD||$2,646|
|Honda CR-V LX 4WD||$2,677|
|Hyundai Elantra SE Touring Station Wagon||$2,857|
|Hyundai Tucson GLS 2WD||$2,900|
|Volkswagen Jetta SE 2.5 Station Wagon||$2,922|
|Subaru Forester X Limited Edition AWD||$2,925|
|Kia Forte EX 4-Dr Sedan||$2,927|
|Jeep Wrangler Sahara 4WD 2-Dr||$3,024|
|Subaru Outback 2.5I||$3,057|
|Dodge Grand Caravan Crew||$3,095|
|Ford F-150 Lariat Crew Cab 4WD||$3,103|
|Chevrolet Impala LS||$3,136|
|Chevrolet Equinox LT AWD||$3,148|
|Toyota RAV4 Sport 4WD||$3,153|
|Chevrolet Malibu LS||$3,170|
|Toyota Highlander Sport 4WD||$3,180|
|Ford Explorer Eddie Bauer 4WD||$3,203|
|Toyota Tacoma Double Cab 4WD||$3,213|
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Cost estimates assume married male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Table data does not factor in vehicle location which can impact rates significantly.
Looking at the numbers, you can infer that models like the Ford Escape, Chevrolet Traverse, and Honda CR-V will definitely be a few of the most economical vehicles to insure for bad drivers. Prices will be more costly because of the fact that there is more exposure for drivers with a bad driving record, but overall those particular models will tend to have the best insurance prices compared to all other vehicles.
Discounts on the cheapest auto insurance for drivers with a bad driving record in Pennsylvania
Insurance providers that offer quotes for drivers with a bad driving record could also offer price discounts that can reduce rates by 40% or more if you can meet the requirements. A list of car insurance companies and the discounts they provide are outlined below.
- State Farm includes discounts for good student, driver’s education, Steer Clear safe driver discount, accident-free, and safe vehicle.
- GEICO may offer discounts for five-year accident-free, good student, daytime running lights, multi-policy, anti-lock brakes, and military active duty.
- Liberty Mutual may include discounts for newly retired, multi-car, good student, newly married, and new graduate.
- The Hartford offers premium reductions for anti-theft, vehicle fuel type, air bag, bundle, driver training, good student, and defensive driver.
- MetLife offers discounts including good student, good driver, claim-free, accident-free, multi-policy, defensive driver
- Progressive offers discounts for good student, homeowner, online signing, multi-policy, and continuous coverage.
The diagram below illustrates the comparison of insurance rates with and without discounts applied to the policy rates. The price estimates are based on a female driver, two citations and two at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple vehicle, homeowner, vehicle safety, marriage, paperless filing, and passive restraint discounts applied. When taking advantage of discounts, the average yearly reduction on car insurance for drivers with a bad driving record is 29% or $1,644.
Picking a high-quality insurance provider is difficult considering how many choices you have in Pennsylvania. The information listed below could help you analyze which companies to look at when comparing rate quotes.
The rankings below are only comprised of companies with a national presence, so companies that may only write in Pennsylvania are not included in these rankings. To check prices from these top-rated insurers and more, just click here.
Top 10 Major Car Insurance Companies in Pennsylvania Ranked by Value
- The General
- The Hartford
- Titan Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
Which major car insurance company is best?
When shopping around for car insurance, the four most popular companies are Progressive, Geico, Allstate, and State Farm. They all have the same basic coverages, but each one has unique options and discounts that drivers can select from. The table below illustrates pricing and service ratings, plus some optional coverages offered by each company.
|Handling of Claims||4th||3rd||1st||2nd|
|Number of Discounts||4th||2nd||1st||3rd|
|Emergency roadside service||Yes||Yes||Yes||Yes|
|New car replacement||No||No||Yes||No|
|Insurance Agents||Buy online or from an independent agent||Online or through a Geico agent||Allstate exclusive agents||State Farm exclusive agents|
|Number of agents||30,000+||150+||11,000+||18,000+|
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Who has the cheapest insurance quotes for bad drivers?
Thanks to technology, drivers have a lot of ways to quote car insurance rates in Pennsylvania, but the three most common are through an exclusive agency such as State Farm or Liberty Mutual, an independent insurance agent, or from a direct company like Progressive. Each way has the same basic steps, but car insurance buyers need to understand the differences in how they price policies.
Independent agencies work with multiple companies and can provide price quotes from each one. Agents of this type are appointed with more than one company and can get prices from more than one company, which may provide you with a better chance of finding cheaper coverage. If they find a cheaper price, they simply switch companies in-house which prevents you from having to find an new insurance agent.
A captive, or exclusive, agent is limited to just one company, two examples are a State Farm or Allstate agent. These agents are unable to provide prices from multiple companies, so they have no alternatives for high prices.
Buying from a direct company means forego a local agent and instead shop buying direct from a company like Geico or Esurance. Shopping for car insurance direct may be a decent choice drivers who do not need complex risk management and have a decent understanding of the exclusions of a policy.
Which method works best to find the cheapest auto insurance for drivers with a bad driving record in Pennsylvania? Most people would assume that buying direct yields the cheapest rates since it doesn’t require paying agent commissions, but in reality, that is not true. We’d also like to say buying from an independent agent results in the best rates due to more options, but that assumption is not true either. For some people, the exclusive agents have very competitive rates that cannot be beaten by either independent or direct companies.
Because of the variability of car insurance rates, the only true way to get rock-bottom rates is to compare lots of quotes. Industry experts recommend getting prices from all three to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.
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