What Car Insurance is Cheapest for a Chevrolet Traverse in Philadelphia?

Finding affordable insurance for a Chevrolet Traverse in Pennsylvania is normally pretty easy, but it hinges on a whole bunch of rating criteria such as age of the vehicle, the condition of your credit, and your choice of physical damage deductibles. Drivers pay approximately $677 per year to insure their Traverse, but that is an estimate calculated using a 40-year-old married female driver with both comprehensive and collision coverage and $1,000 deductibles.

But there is a high probability that you’re not a 40-year-old female, possibly single instead of married, and maybe your Traverse just needs liability-only coverage. Even a slight difference in the factors used in pricing a policy could result in a significant change in rates.

There is no perfect policy for every driver, so the best way to find the cheapest rates for your Chevrolet is to just compare rates yourself. Quotes only take a couple of minutes and you will be able to compare rates from some of the cheapest companies around.

Cheapest Chevrolet Traverse Insurance Rates

The specific trim level tends to have a direct effect on the annual cost of coverage, so the price you will pay to insure a Traverse LS 2WD trim level will be $62 less expensive the price to insure the more well-appointed Traverse LTZ AWD version, as shown below.

Chevrolet Traverse Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $136 $218 $294 $18 $88 $754 $63
Traverse LS AWD $152 $218 $294 $18 $88 $770 $64
Traverse LT 2WD $152 $218 $294 $18 $88 $770 $64
Traverse LT AWD $152 $264 $294 $18 $88 $816 $68
Traverse LTZ 2WD $152 $264 $294 $18 $88 $816 $68
Traverse LTZ AWD $152 $264 $294 $18 $88 $816 $68
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in your specific Philadelphia location which can influence prices significantly.

Figuring out which company quotes the cheapest auto insurance rates for a Chevrolet Traverse calls for more work than just getting one or two price quotes. Each insurer has their own unique process to establish rates, so we’ll take a look at the auto insurance companies with the overall cheapest rates in Pennsylvania.

Cheap Insurance Rates for Your Chevy

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Pennsylvania auto insurance company rankings
Rank Company Cost Per Year
1 General Casualty $726
2 Travelers $779
3 Erie $792
4 USAA $809
5 Penn National $832
6 Auto-Owners $993
7 Amica $1,012
8 Atlantic States $1,036
9 Donegal Mutual $1,058
10 GEICO $1,111
11 Allied $1,144
12 California Casualty $1,198
13 State Farm $1,210
14 State Auto $1,241
15 Encompass $1,344
16 Harleysville $1,396
17 Mutual Benefit Group $1,411
18 Progressive $1,414
19 Nationwide $1,433
20 Chubb $1,536
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General Casualty generally has some of the best car insurance rates in Philadelphia at around $726 annually. Travelers, Erie, USAA, and Penn National also rank well as some of the more affordable Philadelphia, PA car insurance companies.

As illustrated above, if you are a policyholder with Penn National and switched to Travelers, you might see annual savings of about $53. Customers with Auto-Owners could save as much as $214 a year, and Amica insureds might cut rates by $233 a year.

Be aware that those policy rates are averaged for all types of insureds and vehicles and and are not calculated with an exact location for a Chevrolet Traverse. So the auto insurance company that can offer you the best rate may not even be in the top 30 companies shown above. That emphasizes why you need to quote rates from many companies using your own personal information and vehicle type.

Reckless driving habits raise Philadelphia auto insurance rates

The easiest method to maintain affordable auto insurance premiums in Philadelphia for a Traverse is to be a cautious driver and avoid tickets and accidents. The chart below highlights how speeding tickets and at-fault collisions can increase car insurance rates for each age group. The premium estimates are based on a married male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

The chart shows that the average cost of auto insurance in Pennsylvania per year with no accidents and a clean driving record is $1,300. Add in one speeding ticket and the average cost hikes up to $1,493, an increase of $192 each year. Then add one accident along with the one speeding ticket and the annual cost of auto insurance for a Chevrolet Traverse jumps again to an average of $2,029. That’s an increase of $729, or $61 per month, just for not paying attention while driving!

Why you should compare rates

Pennsylvania auto insurance rates are determined by lots of factors that will increase or decrease the price you pay for coverage. Simply improving your credit, buying a home, or getting into an accident can cause premium changes that can now make some companies cheaper in comparison to the competition.

Also, companies file new rates without warning in order to maintain liquidity for claims. Heavy losses may cause additional price hikes, while a profitable period can cause cheaper Traverse insurance rates.

For instance, the chart below shows the cheapest car insurance in Philadelphia, PA for a 30-year-old male driver with a good driving record, no prior claims, and great credit. When quoting prices based on his current situation, General Casualty might offer the most affordable car insurance rates in Philadelphia at $1,617 a year. This is $40 less than the average premium paid by Pennsylvania drivers of $1,657. USAA, Travelers, Erie, and Penn National are also included in the cheapest Philadelphia, PA auto insurance companies.

The next chart shows rates after we give the driver in the first chart a claim or two, less-than-perfect credit, and a speeding ticket. Since each insurance company uses their own calculation for setting prices, comparing insurance quotes most likely will result in a new list of cheap Philadelphia auto insurance companies as shown below.

Amica now has the lowest price on auto insurance in Philadelphia, PA with Atlantic States, USAA, Donegal Mutual, and GEICO now being in the top five. This example shows why Philadelphia drivers need to shop around when trying to get the most affordable auto insurance quotes for a Chevrolet Traverse. Auto insurance prices are impacted by many things and change frequently, so the cheapest option the last time you shopped around may now be quite expensive.