5 Best Car Insurance Companies in Pennsylvania
Car insurance in Pennsylvania is an essential requirement for all drivers, and finding the right coverage can be a daunting task. With the rising costs of car insurance in the state, it is crucial to choose a reliable and affordable provider. Money has compiled a list of the best car insurance companies in Pennsylvania based on customer satisfaction, coverage options, and pricing.
Pennsylvania operates under a “choice no-fault” system, allowing drivers to select between full and limited tort options. This decision affects the rights to sue for non-economic damages in the event of an accident. Additionally, Pennsylvania requires teen drivers to complete 65 hours of supervised driving, including night and inclement weather driving, before obtaining a junior license.
Money’s selection of the best car insurance providers in Pennsylvania is based on overall rankings, industry ratings such as AM Best for financial stability, and customer service rankings from J.D. Power. The top picks for car insurance in Pennsylvania include Amica, Erie, GEICO, NJM, and State Farm.
Amica is known for its top-notch customer service and high satisfaction ratings. Although their premiums may be slightly higher than average, Amica offers unique benefits such as a telematics program that rewards good driving behavior with gift cards from popular retailers.
Erie Insurance is another top contender in Pennsylvania, with affordable rates and excellent customer satisfaction ratings. The company provides unique benefits such as a fixed insurance rate and has a superior rating from A.M. Best for financial stability.
GEICO is a reliable option for car insurance in Pennsylvania, offering competitive rates and a wide array of discounts. Their usage-based insurance policies stand out, allowing customers to monitor their driving habits and potentially save on premiums.
NJM Insurance scored well above average for customer satisfaction in the Mid-Atlantic region. While the company may lack some features offered by national competitors, NJM is known for its affordable rates and low complaint record.
State Farm is a popular choice for car insurance in Pennsylvania, with competitive premiums and special discounts for young drivers. They offer unique benefits such as a Good Student Discount for teen drivers with good grades.
When it comes to car insurance in Pennsylvania, it is essential to understand the state’s insurance requirements and consider purchasing more than the minimum coverage if possible. Experts recommend carrying higher liability limits and reviewing your policy regularly to ensure you have adequate coverage.
By following these guidelines and choosing a reputable car insurance provider like Amica, Erie, GEICO, NJM, or State Farm, drivers in Pennsylvania can protect themselves on the road while saving money on premiums. Consider exploring discounts, bundling policies, increasing deductibles, and shopping around for the best rates to get the most out of your car insurance coverage.
