Navigating Auto Insurance Quotes for New Drivers in Pennsylvania
As a newly licensed 20-year-old driver residing in Pennsylvania, I’ve recently explored various auto insurance options, and I wanted to share my experiences to assist other novice drivers in making informed decisions. After obtaining my license just two days ago, I purchased a 2006 Hyundai Sonata with 92,000 miles on it—my very first car, which I own outright!
Living in the Allegheny area, I focused on obtaining quotes based on Pennsylvania’s minimum coverage requirements (which include $15,000 for bodily injury per person, $30,000 for total bodily injury per accident, $5,000 for property damage, and $5,000 for personal injury protection). For all quotes, I listed myself as the sole driver and sought the most basic coverage options available.
Here are the monthly premiums based on six-month policies that I gathered through online research—perfect for anyone who prefers to avoid phone calls!
Insurance Quotes Overview
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AAA: $119.50 (Note: They require a membership to purchase coverage, starting at around $50)
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Progressive: $287.16 (Among the pricier options)
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Liberty Mutual: Unable to provide a quote; they suggested I consider Progressive instead.
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Geico: $81.33 (Alternatively, $73.70 if paid in full)
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State Farm: $102.88 (They provided a breakdown of each coverage type, which I found helpful)
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Allstate (Direct Auto Insurance): $121.04 (Pay-in-full option at $106)
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Nationwide: Declined to quote; recommended Dairyland at $261.24.
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Travelers: $334.07 (One of the highest quotes received)
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The General: $142.92 (Initial quote was around $83, but they changed it later)
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USAA: I wasn’t eligible as a non-military individual, so I didn’t receive a quote.
Top Choices for Budget-Conscious New Drivers
Based on these quotes, the most affordable options are:
1. Geico
2. State Farm
3. Direct Auto Insurance (Allstate)
4. AAA
Ultimately, I’ve decided to go with Geico, as it stands as the most economical choice. Since I can pay the premium in full, I
