How Pennsylvania Drivers Can Save on Auto Insurance

Whether you live in Easton, Philadelphia, Pittsburgh, or Somerset or closer to Lake Erie or Mount Davis, chances are you could get more from your car insurance coverage.

Pennsylvania drivers can save with pay-per-mile auto insurance and keep the same or better coverage.

How to save on auto insurance in Pennsylvania

More than 124 million Americans, including many Pennsylvania drivers, could be overpaying for car insurance because of one mistake: they do not pay per mile.

Fortunately, “pay as you drive” and “pay as you go” insurance can give you control over how much you want to pay for auto insurance. These pay-per-mile auto insurance policies are based on how far you drive, using your actual driving.

Drivers can save a lot of money. According to a recent survey of new customers who saved with Metromile, drivers could save as much as $947 a year.

Miles driven per yearPer monthPer daySavings*
10,000833 miles192 miles$541
6,000500 miles115 miles$741
2,500208 miles48 miles$947
* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

Drivers can learn whether Metromile and pay-per-mile auto insurance is right for them for free.

Metromile’s Ride Along™ helps drivers get a more accurate rate and understand whether they could save with pay-per-mile car insurance before they buy.

Pennsylvania drivers can download the Metromile app to try pay-per-mile auto insurance. Metromile observes your actual driving for about two weeks, including how many miles you drive, to show you your rate.

Pennsylvania drivers can earn more auto insurance discounts. 

Metromile customers who install safety equipment or features in their cars or insure multiple cars on the same policy could earn a lower rate. Senior drivers can also save on auto insurance in recognition of their safer and mature driving practices.

How are auto insurance rates determined in Pennsylvania?

Insurance companies in Pennsylvania consider many factors when setting rates. Some of the most common include coverage limits and deductibles, claims history, driving history, vehicle type, vehicle theft rates, and many others.

Consider shopping around for auto insurance regularly. Rates can change over time, so it is important to stay current.

Pay-per-mile auto insurance can be fairer because it helps drivers control costs. Metromile customers’ bills update in almost real time because they pay per mile.

Metromile charges a base rate and a per-mile rate each month, usually just a few cents for each mile driven. The low monthly base rate keeps your car covered, even when you might not be driving, almost like how a cell phone provider might charge you a small fee to keep your telephone number and line operating.

What auto insurance coverage do I need in Pennsylvania?

Making sure you have the right amount of car insurance is important for every driver. This is why Metromile provides flexible coverage options, which can be customized for extra peace of mind.

Pennsylvania state minimum requirements for car insurance are $15,000 per person and $30,000 per accident in bodily injury liability coverage, $5,000 in property damage liability coverage, and $5,000 in first-party medical benefits coverage.

In Pennsylvania, many drivers choose higher limits or add comprehensive and collision coverage.

The bottom line

There are many ways to save on car insurance, and many Pennsylvania drivers choose Metromile.

Many drivers are low-mileage drivers, and we’re proud to support our community of drivers with familiar coverage and provide some value as a leading pay-per-mile auto insurance company in the U.S.

If you don’t drive often or find yourself driving less than you did before, you could save with Metromile. Find out how much you could save with a free quote or take a Ride Along™ to learn more.