The Best Auto Insurance in Pennsylvania
To choose the best car insurance in Pennsylvania, we have analyzed a series of data that includes the available coverages, the average premiums and the JD Power scores of each of the insurers.
After conducting a thorough analysis and comparison of features, we have created our list of the best car insurance in Pennsylvania :
- Geico
- Nationwide
- progressive
- Allstate
Geico
Average annual all-risk premium: $916
Median annual liability premium: $433
JD Power Customer Satisfaction Score: 835/1000
If you are looking for a company with an important digital presence that allows you to do everything from your computer or your mobile, Geico insurance could be your best option.
The company’s website and app will help you manage your policy without having to speak to an agent.
You can request roadside assistance, file a claim, and pay your bills through their app, which has over 2.8 million reviews on the App Store.
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Geico covers
In addition to traditional collision or uninsured/underinsured motorist liability insurance policies, Geico offers:
- Auto insurance for private passengers
- motorcycle insurance
- ATV insurance
- Recreational Vehicle Insurance
- Shared Vehicle Drivers Insurance
- Collection car insurance
- Car insurance to drive in Mexico
- commercial vehicle insurance
- Geico’s wide range of auto insurance could make it easy for you to insure all your family or business vehicles.
Geico Discounts
These are the discounts offered by this insurer, you may be eligible for one or more.
- New Vehicle Discount
- Good student discount
- Defensive driving allowance
- Good driver discount
- Seat belt discount
- Rebate for several vehicles
- Discount for multiplicity of policies
- Discounts for vehicle equipment
- Driver Education Rebate
- Military Service Member Discount
- Emergency Deployment Discount
- Rebate for federal employees
- Discounts for members and employees
- Geico Ratings
J.D. Power
In the 2021 JD Power Customer Satisfaction Study Geico gave Pennsylvania a rating of 835/1000, ranking 5th in this state.
This JD Power study ranks auto insurance companies based on billing processes, policy information, claims, general customer interactions, policy offerings and price.
AM Best
AM Best is an independent agency that measures the financial strength of companies.
A strong financial score suggests that the company could more easily handle a situation where there are a large number of claims in a short period of time.
Geico’s AM Best financial strength score is A++ (Superior), the highest level any business can receive.
National Association of Insurance Commissioners
Geico’s National Association of Insurance Commissioners (NAIC) Complaint Index rating is 1.70.
A score of 1.00 represents a baseline number of complaints, so Geico’s score of 1.70 indicates that the NAIC receives a higher than average number of complaints.
Nationwide
Average annual all-risk premium: $1,485
Average annual liability premium: $501
JD Power Customer Satisfaction Score: 823/1000
This insurer offers basic auto policies with various customization options.
As a large national auto insurance provider, Nationwide offers a wide range of programs, including innovative Low Mileage and Safe Driver coverage;
which uses equipment technology to monitor driving skills in real time, rewarding safe driving with discounts of up to 40%.
Keep in mind that the National Association of Insurance Commissioners (NAIC) gives Nationwide a higher-than-average complaint rate;
indicating that the company has more complaints than most companies in the industry.
Nationwide Coverages
Bodily injury liability
Civil liability for material damage
Personal Injury Protection (PIP)
Uninsured motorist and underinsured motorist coverage
Medical payment insurance
Collision coverage
All risk insurance (comprehensive)
Coverage of car rental expenses
Difference insurance (Gap) for vehicle financing
Roadside assistance 24 hours a day
discounts
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Multiple policies: You save an average of $646 a year if you combine home and auto insurance.
SmartRide: Discount for installing a safe driving monitoring program.
SmartMiles – This discount is based on the number of miles you drive.
Safe driving: If you go five years without a serious accident or violation, you can get cheaper premiums through this discount.
Good student: If you are between 16 and 24 years old and maintain a B average or better, you could get a discount.
Defensive Driving Courses: If you are 55 or older and complete a driver safety course you may be eligible for this discount.
Anti- Theft Devices: Applies to those who install a Nationwide-accepted anti-theft device.
Auto Pay: You may be eligible for this discount by enrolling in Easy Pay.
Nationwide Ratings
According to the 202 1 JD Power Customer Satisfaction Study , Nationwide had a rating of 823/1000 for the Mid-Atlantic region, which includes the state of Pennsylvania, which is well below average.
AM Best rates Nationwide’s Financial Strength as A+ (Superior) , reflecting its ability to pay claims satisfactorily. Additionally, the Better Business Bureau (BBB) gives Nationwide an A+ rating.
The BBB bases its ratings on several factors, including the number of complaints it receives about a business, how quickly and quickly a business responds to a complaint;
and how successfully a complaint is ultimately resolved.
In terms of the most common complaints collected by BBB, we mainly find slow service from claims adjusters or lack of communication regarding claims.
Others complained about the amount of their compensation or the slowness of payments.
Average annual all-risk premium: $1,509
Average annual liability premium: $582
JD Power Customer Satisfaction Score: 834/1000
If you have accidents or tickets on your driving record, it would not be a bad idea to request a quote from Progressive Insurance. This company is known for helping high-risk drivers get good coverage.
The company offers technology tools that make it easy to request quotes online, submit claims and look up prices on the website or mobile app.
Progressive received a below average score in the JD Power claim satisfaction study, which means the company may not be a good fit for you if customer service is your priority.
Progressive coverage
One of the great things about Progressive is the variety of policies and discounts it offers, and how easy it is to request quotes online. Of the traditional policies, this company offers the following:
- Bodily injury and property damage liability
- All risk
- collision insurance
- Bodily and property damage insurance for uninsured and underinsured motorists
- Medical Payments or Personal Injury Protection (PIP)
- Progressive also offers optional coverages that, although not mandatory, provide additional protection for drivers who purchase them:
Custom parts and equipment: Car owners often add custom equipment, such as stereos or navigation systems, that standard car insurance doesn’t cover.
But with this coverage, Progressive will pay up to $5,000 to repair or replace this equipment in a covered accident.
Savings Bank with Deductible: If you choose this coverage, for each policy period that you remain claim-free, Progressive will reduce your collision and comprehensive deductible by $50.
Gap Coverage ( Auto Lease )/Loan: This coverage covers the difference between the real value of the vehicle that is paid for total loss and the value that is owed by Lease or by financing, if any.
Rental Car Reimbursement: If your car needs repairs after an accident, this policy will cover the cost of a rental car should you need one.
Carpooling: Rideshare companies (Uber, Lyft) offer some insurance coverage for drivers and their vehicles. This coverage only applies when you are transporting a passenger.
Progressive’s rideshare policy covers you and your vehicle while you’re connected to the rideshare app and you’re not transporting a passenger.
Roadside Assistance: When you have a flat tire, need a tow truck, or are locked out of your car, Progressive’s roadside assistance service springs into action.
Below, you will find the discounts offered by this insurer and that will help you reduce the price of your policy if you are eligible for them.
- Automatic payment
- Good student
- homeowner
- multi-car
- multi insurance
- quote online
- Full payment
- sign online
- teen driver
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In addition, Progressive’s Snapshot program is available . To take advantage of this discount, all you have to do is download the Snapshot app on your smartphone or install a device in your vehicle.
Using GPS and sensors, the app or device tracks your driving habits and rewards safe driving behavior with lower premiums.
Progressive Ratings
Every year, the market research firm JD Power & Associates conducts a study of the insurance market in the United States.
Progressive’s policyholder reviews rank the company sixth in JD Power’s 2021 US Auto Insurance Study in the Mid-Atlantic region that includes Pennsylvania.
For its part, the firm AM Best, which evaluates the financial soundness of companies, gives Progressive an A + Superior rating.
Most customer complaints filed with the BBB are related to billing and product or service issues. But in general, the comments about Progressive’s insurance are positive.
Allstate
Average annual all-risk premium: $1,338
Average annual liability premium: $696
JD Power Customer Satisfaction Score: 830/1000
We close our list of the best car insurance in Pennsylvania with Allstate Insurance.
It is currently the fourth largest car insurance company in terms of the number of policies written, with a 9.2% market share.
If you are one of the people who likes to be in contact with your insurer, Allstate may be your best option.
This company, in addition to offering good online resources, also has agents who serve customers in person.
But on the other hand, you should know that Allstate’s median premium is the highest on this list.
Therefore, if you are one of those who prioritize car insurance prices in Pennsylvania in your analysis, it is recommended that you look for other cheaper insurers.
Allstate Coverages
This insurance company offers all the basic coverage that is usually available in the market, such as: collision coverage, all risk and civil liability.
But what makes Allstate special is the variety of additional coverages for added protection . Among these coverages you can find:
- accident forgiveness
- sound system insurance
- New car replacement
- Roadside assistance
- Rental Car Reimbursement
- Personal Injury Protection
- Shared ride coverage
- milliwise
- allstate discounts
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Allstate also stands out for its discounts. The company allows you to save a good amount of money with the following discounts:
- Multi-policy
- New car
- responsible payer
- Anti-lock brakes
- anti-theft device
- Good student
- single payment
- automatic payments
Allstate Ratings
Allstate ranked well below average in the 2021 JD Power Auto Insurance Study for customer satisfaction, in the “Mid-Atlantic” region that includes the State of Pennsylvania.
Which indicates deficiencies in the customer service process and attention to claims.
The Better Business Bureau study gives Allstate an A+ rating, but the number of complaints is high. In the last year alone, 469 complaints have been closed.
Customers give Allstate an average one-star rating, with many complaining about pricing, claims issues, and poor customer service.
As the AM Best rating indicates, Allstate is very strong financially having earned an A+ rating.
Remember that when looking for an insurance provider, it is important to look at the financial strength of the company;
this is an indicator that tells us about its ability to pay claims, even in complex situations such as natural disasters.
