Cheapest Car Insurance for Low-Income Drivers in Pennsylvania (October 2024)

Auto-Owners provides the cheapest car insurance for individual drivers with low income and poor credit in Pennsylvania at $40 per month. At $43 per month, Travelers is the most affordable option for families with low income.

Pennsylvania does not offer state-backed car insurance programs for families or individuals with low income. One option to manage costs is to find the provider with the most affordable rate. There are also ways to get discounts to help alleviate the cost of car insurance.

Although state minimum coverage will help you drive legally, there are downsides. For example, minimum coverage may not fully cover the damages in an at-fault accident, leaving you financially vulnerable.

Car insurance companies in Pennsylvania do not consider income when calculating rates. Instead, they look at factors like age, driving record, credit history and type of car. At-fault accidents and moving violations can increase your rates significantly. To find the cheapest rates, it's essential to compare quotes from several insurance companies. This approach helps you see the different options available and choose the most affordable one.

If your budget is tight, a basic minimum coverage policy is often the cheapest way to stay legal on the road. For drivers who rarely drive, pay-per-mile insurance can be the best option to save money. MoneyGeek has rounded up the cheapest insurers for drivers with low income in Pennsylvania to help you save.

To legally drive in Pennsylvania, you must have car insurance that meets the state's minimum car insurance requirements. Your policy must include:

• $15,000 for bodily injury liability per person
• $30,000 for bodily injury liability per accident
• $5,000 for property damage liability per accident
• $5,000 medical payments coverage

Different types of policies cater to varying needs. A liability-only car insurance policy covers the other driver's expenses if you cause an accident. However, it doesn't cover damages to your own vehicle. To protect your own car, consider a full coverage car insurance policy, which includes collision and comprehensive coverages. Understanding the risks and benefits of each coverage will help you decide what's best for your situation.

Your credit record can affect your car insurance rates in Pennsylvania. A lower credit-based insurance score may signal to insurers that you're a higher risk, which can lead to more expensive premiums.

Pennsylvania drivers with poor credit records can find affordable rates with:

• Auto-Owners: $478 per year; $40 per month
• Chubb: $567 per year; $47 per month

The cheapest car insurance in Pennsylvania for drivers with low income and a good credit history are:

• Auto-Owners: $305 per year; $25 per month
• Westfield: $310 per year; $26 per month

Driving without insurance in Pennsylvania is considered a misdemeanor and can lead to suspension of your driver's license and vehicle registration, fines ranging from $175 to $1,000 and other penalties. Make sure you're covered to drive legally and safely.

Although car insurance rates don't depend on income, your family situation can influence your premiums. In Pennsylvania, a single parent with a teen faces an annual premium that's $515 higher than a married couple with a teen, who pays $517 yearly and saves $515 annually.

The cheapest car insurance companies for married couples with a teen in Pennsylvania are:

• Travelers: $517 per year; $43 per month
• Auto-Owners: $588 per year; $49 per month

The cheapest car insurance companies for a single parent with a teen are:

• Travelers: $1,032 per year; $86 per month
• State Farm: $1,123 per year; $94 per month

These rates show that married couples with a teen can secure more affordable minimum coverage auto insurance than single parents with a teen. Keeping a good credit score is vital for accessing cheaper car insurance rates across the board.

Car insurance premiums generally decrease as you reach the early senior years (typically around age 55 to 65), especially if you have a clean driving record. The two cheapest car insurance for senior drivers with low income and poor credit history are:

• Chubb: $456 per year; $38 per month
• Auto-Owners: $479 per year; $40 per month

After the age of 70, car insurance rates typically increase, as older drivers are statistically considered higher risk. This trend continues each year, meaning premiums generally rise as seniors age. Pennsylvania has specific guidelines for seniors getting car insurance to ensure they meet the requirements.

Income doesn't directly affect car insurance rates in Pennsylvania. However, rates can increase if low income leads to a poor credit record. The reverse is also true: good credit can mean lower rates. Understanding the factors contributing to car insurance rates can help you make informed decisions when choosing the best car insurance for you.

You don't need a state-sponsored program to cut costs — finding affordable car insurance in Pennsylvania is possible with the right strategies. Here are some tips to lower your premiums:

Finding affordable car insurance can be challenging for drivers with low income in Pennsylvania. Get answers to some of the most commonly asked questions about low-income car insurance in the Keystone State.