The words “cheap” and “auto insurance” probably shouldn’t be used together, in particular when trying to find the cheapest auto insurance for felons. Because of the high cost, let’s familiarize you with a few of the things that impact auto insurance premiums, and find some ways to slash the price of the next policy you buy.
One of the more important things that are used to help calculate insurance cost is where you keep your vehicle in Philadelphia. More densely populated places tend to pay slightly more, whereas areas that tend to be more rural tend to receive slightly lower rates.
The next table rates the highest-priced areas in Pennsylvania for felons to purchase car insurance in. Philadelphia is ranked #1 with a yearly premium of $1,977 for the average insurance policy, which is around $165 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Philadelphia | $1,977 |
| 2 | Drexel Hill | $1,549 |
| 3 | Levittown | $1,421 |
| 4 | Chester | $1,379 |
| 5 | Norristown | $1,307 |
| 6 | Erie | $1,104 |
| 7 | Allentown | $1,097 |
| 8 | Pittsburgh | $1,095 |
| 9 | Plum | $1,079 |
| 10 | Easton | $1,069 |
| 11 | Reading | $1,066 |
| 12 | Wilkes-Barre | $1,057 |
| 13 | Bethlehem | $1,055 |
| 14 | Municipality of Monr | $1,049 |
| 15 | Hazleton | $1,046 |
| 16 | Altoona | $1,042 |
| 17 | Scranton | $1,039 |
| 18 | Bethel Park | $1,019 |
| 19 | New Castle | $1,015 |
| 20 | Lancaster | $1,005 |
| Quote Best Rates Go | ||
Rate information is approximated as vehicle location can raise or lower rates greatly.
Deciding which company offers the lowest-priced insurance rates for felons will involve a bit more work than just comparing rates from one or two companies. Every insurance company uses their own calculation for determining rates in each state, so we’ll take a look at the most competitive insurance companies in Philadelphia.
We do need to point out that Philadelphia, PA insurance rates are impacted by many things that can increase the policy premium. Simply having another birthday, marrying your spouse, or getting a driving violation may generate price changes that may make certain companies more affordable than the competition.
Cheapest Insurance Rates for Felons
General Casualty quotes some of the best car insurance rates in Philadelphia at around $740 per year. This is $917 less than the average policy premium paid by Pennsylvania drivers of $1,657. USAA, Travelers, Penn National, and Erie also are some of the lowest-priced Philadelphia, PA auto insurance companies.
In the above example, if you are insured with Penn National and switched to USAA, you may realize savings of upwards of $15. Pennsylvania drivers with Erie may save as much as $31 a year, and Amica policyholders might realize rate reductions of up to $199 a year.
Be aware that those policy prices are averages for all drivers and vehicles and do not take into consideration a vehicle location for felons. So the company that is best suited for you may not even be in the top 30 companies in the list above. That point stresses why you need to compare as many prices as possible using your own driver information and specific vehicle type.
Impact of citations and accidents on insurance rates
One of the best ways to earn the cheapest insurance prices for felons is to be a cautious driver and avoid tickets and accidents. The chart below demonstrates how speeding tickets and accidents raise insurance prices for different age groups. The data is based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
In the chart above, the average cost of car insurance per year with no violations or accidents is $1,480. Receive one speeding ticket and the average cost jumps to $1,697, an increase of $218 each year. Then add in one accident along with the one speeding ticket and the annual cost of insurance for felons increases to an average of $2,308. That’s an increase of $828, or $69 per month, just for not being attentive to the road!
Get discount Philadelphia car insurance
Insurance providers that offer quotes for felons may also provide policy discounts that may potentially lower prices by 30% or more if you are eligible to receive them. A few of the larger companies and some of their more popular discounts include:
- 21st Century discounts include teen driver, homeowners, anti-lock brakes, driver training, theft prevention, defensive driver, and automatic seat belts.
- State Farm may offer discounts for Steer Clear safe driver discount, anti-theft, multiple policy, multiple autos, and good driver.
- AAA offers discounts including good student, pay-in-full, education and occupation, anti-theft, good driver, and multi-policy.
- Liberty Mutual offers discounts for multi-car, new vehicle discount, multi-policy, preferred payment discount, and safety features.
- Progressive may include discounts for good student, online quote discount, continuous coverage, multi-vehicle, multi-policy, and online signing.
The example below illustrates the comparison of insurance prices with and without discounts applied to the policy rates. The data is based on a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, passive restraint, vehicle safety, homeowner, claim-free, and defensive driving course discounts applied. In this example, theaverage amount saved on insurance for felons is 28% or $397.
How to find more affordable car insurance for felons
It’s not impossible to find cheaper rates, and here are some thrifty solutions that can help you locate low-cost auto insurance.
- Drive attentively and avoid accidents
- Avoid speeding and other traffic citations and pay less
- Save money by staying claim-free
- Safe vehicles cost less to insure
- Drop full coverage on older vehicles
- Save money by insuring your home and auto with the same company
- Compare rate quotes often
That last piece of advice is highly necessary, as we discussed in the article above. Rates adjust often, so drivers shouldn’t hesitate to buy a different policy if a more affordable price is available. Many consumers stick with the same company and that’s fine, but is isn’t recommended if that loyalty ends up costing money that could be going to better use. It only takes a couple minutes to compare prices to find cheaper auto insurance for felons in Philadelphia.