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Car Insurance
Somerset PA
No spam. No hidden fees. No Long Forms
No spam. No hidden fees.
No Long Forms
No Long Forms
(888) 291-7830
(888) 291-7830
Written by: Andrew Brown
Quality Checked by: Samantha Reed
Pennsylvania is one of the most expensive states for car insurance in the United States. Somerset drivers can expect to pay an average yearly premium of $1,953 for their auto insurance coverage. The cost of Pennsylvania car insurance is higher than the national average due to several factors. Pennsylvania has some of the highest minimum liability requirements in the country, meaning all drivers must have a certain amount of coverage before they can legally drive on Pennsylvania roads. Additionally, Pennsylvania has a high rate of uninsured drivers and a lack of competition among car insurance companies in the state which keeps costs inflated. Finally, Pennsylvania's high population density means there are more vehicles on Pennsylvania roads than in other parts of the country, resulting in more accidents and claims filed with insurers each year. All of these factors add up to Pennsylvania having some of the most expensive auto insurance rates in the nation.
Fortunately, Somerset drivers can take several steps to lower their car insurance premium costs. Shopping around for a better rate is one of the best ways to save money on Pennsylvania car insurance. Comparing quotes from multiple insurers will give you an idea of what different companies are charging and allow you to find the best deal possible. Additionally, Pennsylvania drivers should consider raising their deductible levels as this will help reduce their annual premiums. Finally, Pennsylvania residents should also look into discounts offered by insurers such as those for safe driving, good grades or completing a driver’s education course which can help further reduce their auto insurance expenses. By following these tips, Pennsylvania drivers can save money on their car insurance and get the coverage they need.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,494 |
| 20 Years | $1,780 |
| 30 Years | $1,371 |
| 40 Years | $1,319 |
| 50 Years | $1,221 |
| 60 Years | $1,238 |
| 70 Years | $1,441 |
Somerset Pennsylvania is a state with high auto insurance premiums, especially for young drivers. Pennsylvania law states that all drivers must have valid auto insurance to legally operate a vehicle in the state. As such, Pennsylvania has higher rates than other states when it comes to insuring younger drivers.
The Pennsylvania Department of Insurance recently released its annual report on average auto insurance premiums and found that Somerset drivers between 16 and 24 years old paid an average of $1,531 per year in 2022 while those 25 and older only paid an average of $925. This means that Pennsylvania had among the highest auto insurance rates for younger drivers compared to other states.
Another key finding from the report was that Pennsylvania’s minimum liability coverage laws are some of the most stringent in the country. Pennsylvania requires all drivers to carry $15,000 in bodily injury liability coverage per person, $30,000 in total bodily injury liability coverage, and $5,000 of property damage liability coverage. Somerset also requires that all drivers carry uninsured motorist coverage (UMC) as part of their policy to protect them from uninsured motorists and liable third parties. Pennsylvania’s UMC requirements are among the highest in the nation requiring at least $35,000 for one person injured in an accident or a minimum of $70,000 for multiple people injured or killed in an accident.
The Pennsylvania Department of Insurance recommends that Somerset drivers shop around and compare quotes when seeking auto insurance so they can find the best rates and coverage for their needs. Pennsylvania drivers should also be aware of any discounts they may be eligible for such as good driver discounts, multi-car discounts, or group membership discounts. Pennsylvania drivers should also consider raising their deductibles to lower their premiums. The Pennsylvania Department of Insurance advises that Pennsylvania drivers only do so if they can afford the costs associated with a higher deductible in case of an accident.
Overall, Pennsylvania has expensive auto insurance rates for young drivers compared to other states. Somerset drivers should compare quotes and look for ways to save on their auto insurance by taking advantage of available discounts and increasing deductibles if possible.
|
| Erie | Nationwide | State Farm | Allstate | Geico |
| NAIC Market Share | 1.34% | 2.47% | 16.14% | 9.33% | 13.45% |
| S&P Global Ratings | AA | A | AA | A- | AA+ |
| Average Full Coverage Yearly Premium | $1,750 | $3,021 | $1,743 | $3,980 | $4,327 |
| Discount Rating | 4 stars | 5 stars | 5 stars | 5 stars | 4 stars |
|
| Erie | Nationwide | State Farm | Allstate | Geico |
| NAIC Market Share | 1.34% | 2.47% | 16.14% | 9.33% | 13.45% |
| S&P Global Ratings | AA | A | AA | A- | AA+ |
| Average Full Coverage Yearly Premium | $1,750 | $3,021 | $1,743 | $3,980 | $4,327 |
| Discount Rating | 4 stars | 5 stars | 5 stars | 5 stars | 4 stars |
|
| Erie | Nationwide | State Farm | Allstate | Geico |
| NAIC Market Share | 1.34% | 2.47% | 16.14% | 9.33% | 13.45% |
| S&P Global Ratings | AA | A | AA | A- | AA+ |
| Average Full Coverage Yearly Premium | $1,750 | $3,021 | $1,743 | $3,980 | $4,327 |
| Discount Rating | 4 stars | 5 stars | 5 stars | 5 stars | 4 stars |
Somerset, PA 15501
(844) 414-7021
No website found
135 W Main St, Somerset, PA 15501
(814) 443-6567
http://mosholderinsurance.com/
110 N Center Ave, Somerset, PA 15501
(814) 443-6526
http://www.aaa.com/
221 W Patriot St, Somerset, PA 15501
(814) 445-7971
http://www.knepperinsurance.com/
531 N Center Ave, Somerset, PA 15501
(814) 443-4438
https://www.insurancesomersetpa.com/
1490 N Center Ave Ste 230, Somerset, PA 15501
(814) 701-2831
https://agents.allstate.com/tonia-burchfield-somerset-pa.html
Somerset is home to some of the best car insurance companies in the nation. With so many options available, it can be difficult to know which one is right for you. We’ve broken down the different factors that go into choosing a car insurance company and put together a list of our top picks in Pennsylvania. Our list includes both local and national insurers, so you can find the best policy for your needs no matter where you live. Whether you’re looking for basic coverage or something more comprehensive, Pennsylvania has an option for you. Take a look at our list below to get started on finding the perfect policy for your needs!
No matter which company you choose, Somerset Pennsylvania has plenty of options for car insurance coverage. Take some time to compare different providers and find the one that works best for your needs—you’ll be glad you did!
| Driving Infraction Type | Average Annual Premium | Potential Quote Savings |
| DUI | $3412 | $1003 |
| Reckless Driving | $3279 | $967 |
| Wrong Way/Wrong Lane | $3196 | $944 |
| Driving on Sus. License | $3136 | $925 |
| Illegal Turn | $3102 | $901 |
| Failure to Obey Traffic Sign | $3007 | $864 |
| Speeding over 15 | $3000 | $859 |
| Defective Equipment | $2942 | $794 |
| Speeding under 15 | $2642 | $801 |
If you are a Somerset resident, you may already know that traffic infractions can have a big impact on your insurance premiums. Pennsylvania is one of the few states with mandatory no-fault insurance laws, which require all drivers to carry auto insurance. This means that if you are caught breaking any traffic laws in Pennsylvania, it will likely result in an increase in your insurance rates. Even minor infractions such as speeding or running red lights can lead to higher premiums. Additionally, if you accumulate too many points on your license for certain violations, it could even lead to the suspension of your license and very expensive fines. It is therefore important for Pennsylvania residents to be aware of the consequences of driving infractions so they can avoid them and keep their premiums low.
| Credit Rating | Average Rate |
| Average of All Credit Ratings | $1465 |
| Below Fair | $2260 |
| Poor | $2469 |
| Worst | $2724 |
Having a good credit score is essential to getting cheaper quotes on insurance coverage in Pennsylvania. Insurance companies use your credit score as an indicator of how reliable you are when it comes to paying bills, and if you have a low credit score, you may be seen as more likely to miss payments or file claims with the insurance company. This can result in higher premiums for Somerset drivers with lower scores. That being said, there are still ways that Pennsylvania drivers with poor credit scores can get cheaper quotes on their auto insurance coverage - they just need to be willing to shop around and compare different companies. For example, some insurers specialize in providing coverage for those with bad credit and could offer Pennsylvania drivers better rates than other providers. It’s also important to consider other factors, such as driving history and type of vehicle, which can impact the cost of Pennsylvania car insurance. Shopping around for coverage and taking advantage of multiple discounts can help Pennsylvania drivers with lower credit scores get more affordable rates on their auto insurance policies.
When it comes to purchasing a vehicle in Somerset, it's important to consider the total cost of ownership. This includes not only the upfront purchase price, but also other ongoing expenses such as insurance premiums, taxes, registration fees, and gas and maintenance costs. When estimating these costs, be sure to factor in any additional charges for Pennsylvania-specific items like emissions testing. By accurately estimating the total monthly cost of owning your vehicle, you can plan ahead and stay on budget with your car ownership experience. Additionally, if you're financing your vehicle purchase make sure you look into Pennsylvania’s Lemon Law which provides protection against major mechanical defects or safety issues that cannot be resolved within a reasonable amount of time. Knowing this information ahead of time can help you make an informed decision and save money in the long run. When it comes to Pennsylvania, understanding the total cost of ownership is key!
Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.
Full coverage insurance in Somerset includes liability coverage, collision coverage and comprehensive coverage. Liability only insurance is cheaper than full coverage but it doesn’t provide the same protection if you are involved in an accident. Pennsylvania requires all drivers to have at least basic liability insurance, so liability only may be enough to meet the state's legal requirements.
Liability only covers damages to other people or property if you cause an accident. It pays for medical bills, repairs, and court costs that result from a collision. However, it does not cover your own vehicle if it is damaged during an accident or other covered event.
On the other hand, full coverage car insurance provides more comprehensive protection for Somerset drivers by covering both liability and damage to your vehicle. It pays for repairs to your car if it is damaged in an accident, regardless of who is at fault. Comprehensive coverage also covers theft and vandalism, along with other non-accident related damage such as fire or hail.
In Somerset, full coverage insurance costs more than just liability only coverage because there is more protection included. However, if you have a newer car or are financing your vehicle, full coverage may be required by the lender or leasing company. It’s also a good idea if you want maximum protection when behind the wheel.
As a Somerset parent, the safety of your teen driver is probably one of your main concerns. Fortunately, Pennsylvania has enacted laws that require all motor vehicle drivers to carry auto insurance coverage. This includes Pennsylvania teenagers who are just learning how to drive. To ensure that you and your teenage driver are properly protected, it's important to understand Pennsylvania's auto insurance requirements and have adequate coverage in place.
The Pennsylvania Department of Transportation requires all drivers in Somerset to have at least the minimum levels of liability coverage: $15,000 per person and $30,000 per accident for bodily injury; and $5,000 for property damage. Although these limits may provide some protection if your teenager causes an accident, they may not be enough coverage to protect your family's financial well-being in the event of a major accident. It’s important to consider more comprehensive coverage that includes collision and comprehensive insurance, medical payments coverage and even uninsured/underinsured motorist protection.
Because Pennsylvania is considered a “no-fault” state, Somerset teens must also have personal injury protection (PIP) coverage. PIP pays for medical expenses regardless of who caused the accident. For Pennsylvania teen drivers, PIP can help cover medical costs if they are injured in an accident and may reduce out-of-pocket costs for their parents as well.
Somerset seniors have access to a variety of car insurance providers and the Pennsylvania Insurance Department (PID) provides guidance and resources to help them make informed decisions when selecting coverage. Pennsylvania has certain laws that must be followed when it comes to having car insurance, such as mandatory liability insurance and no-fault coverage. Pennsylvania also requires evidence of financial responsibility in order to register vehicles within the state. There are a few important factors to consider when choosing car insurance for seniors in Pennsylvania:
If you're a Somerset driver and have been asked to provide an SR-22 filing, you may be wondering what it is and if it's required in Pennsylvania. An SR-22 is an insurance filing that certain drivers must submit in order to prove they have financial responsibility for damages caused by their vehicle. This form serves as proof that the driver has automobile liability insurance meeting Pennsylvania state’s minimum coverage requirements. If you are found driving without car insurance or are convicted of a serious traffic violation, Pennsylvania may require that you file an SR-22 with the Pennsylvania Department of Transportation (PennDOT).
In Somerset, some of the reasons why someone would need to file an SR-22 include: multiple violations within a short period of time, DUI/DWI convictions, or having a revoked or suspended license. Pennsylvania requires that the SR-22 remain in effect for three years from the date of filing. If you don’t maintain your Pennsylvania car insurance coverage during this period, the Pennsylvania DMV could suspend or revoke your driver’s license. Therefore, it’s important to make sure you continue carrying Pennsylvania car insurance for the duration of the SR-22 filing period. If you need help finding car insurance that meets Pennsylvania state requirements and can provide an SR-22 filing if necessary, contact a local agent today.
As Somerset residents, it is important for us to get the most out of our insurance coverage and investments. Working with an experienced local Pennsylvania agent or broker can help you make sure that your financial future is secure. Here are some of the benefits associated with using a Pennsylvania agent or broker:
By working with an experienced Somerset agent or broker, you can rest assured that you’ll receive the best possible advice suited to your unique financial situation. This can help you make informed decisions regarding your Pennsylvania insurance coverage and investments.
It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Somerset, Pennsylvania. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Somerset, PA.
Bundling auto and homeowners insurance in Somerset promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Somerset insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.
While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Somerset at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.
The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.
Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.
