UPDATED: Mar 13, 2020
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Cheap Car Insurance in Scranton, PA
It may seem crazy, but it’s a lot easier to find cheap auto insurance in Scranton, PA than you might think. But you can’t just sit around waiting for it to fall into your lap. You have to put in a little bit of effort to comparison-shop between different auto insurance providers near you in order to get the best deal.
The good news is we can take most of that effort out of the way and connect you with 3 to 5 different affordably-priced, accurate car insurance quotes right now.
Scranton is #6 on the top 10 list of highest population cities in Pennsylvania. Is also a well-known Cultural Center for the Lackawanna River Valley. Scranton has a fairly colorful history, too.
In the railroad & mining booms of the mid-to-late 1800s, Scranton was the center of the eponymously named Scranton General Strike back in 1877.
- Fun fact: Compassion knows no bounds in Scranton because it is number two on the list of top 100 cities with the largest percentage of males working community and Social Service occupations. But this isn’t the only website where you can find out more fun facts about Scranton, PA.
Auto Insurance Coverage Requirements in Pennsylvania
Driving legally in Scranton requires:
|Bodily Injury Liability||15,000/30,000||100,000/300,000|
|Property Damage Liability||5,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||100,000/300,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||100 deductible|
Are you trying to decide whether or not you should purchase just enough coverage to drive legally, or invest a little bit more in protecting your vehicle? Some drivers may not know how to answer this question and may leave it up to their insurance company.
But this could be an expensive mistake. Unless you absolutely need things like collision, comprehensive, or gap coverage, you can save a lot of money by purchasing less coverage.
You only really need to purchase more coverage – and/or higher amounts – if you have an expensive vehicle to protect, or if you have a lot of financial assets you want to protect from an expensive liability lawsuit. Otherwise, you can scale back on the coverage in order to save yourself some money on your premiums.
Did you know that some motorists in Scranton are paying as little as $72 a month for their auto insurance coverage? This is a decent amount of savings below the state average, which is currently around $96 per month. With our help, you can find an even better deal then what you may be able to get on your own. Just let us show you the way.
Verti and Safe Auto are doing their best to undercut the competition right now price-wise in Scranton. But just because an automotive insurance provider is giving you the lowest price doesn’t mean you’re necessarily getting the best deal.
It’s going to cost you a lot more money in the long run if you purchase a policy from a company that is going to cut and run when you need to file a claim. So don’t trust your car insurance needs to just anybody – trust it to the most reputable insurance providers you can find.
We happen to know a few, and we would be happy to introduce you to them.
Providers that sell Pennsylvania auto insurance usually want to make sure that they are selling policies to safe, reliable drivers. This will make their company higher profits in the long run because they can kick back and collect your premium payments without having to spend lots of money on expensive claims.
But you can use this to your advantage by making yourself look like the safest, most reliable driver possible. And we will show you how to do that below.
Major Car Insurance Factors in Scranton
Unfortunately, not many drivers know exactly what goes into calculating their auto insurance premiums. The bad news is that it’s probably a lot more complicated than you think; the good news is that we’re about to simplify it for you right here and now.
With the knowledge you learn from reading this page, you’ll be able to give yourself a little bit of leverage so that you and your auto insurance agent can negotiate the fairest, most affordable rate for you.
Your Zip Code
Last time anyone counted, Scranton had a population of 77,294 people. And the average household income is somewhere around $39,000. Living in a lower population density city can help you save money on your monthly premiums.
This is because your insurance company will assume there are fewer drivers on the road and therefore fewer people for you to get into an accident with. As we said, the safer-looking your driver profile is, the easier it will be for you to save money.
If you want to get lower rates on your monthly car insurance premiums, you’ll want to live in a safe town with relatively few serious accidents on the books. According to the data in the chart below, Scranton is doing pretty good as far as accident statistics go.
Still, you might want to sit down with your insurance agent and ask them if this data is playing a factor and how much – or little – they are charging you. And if so, ask them if there is anything you can do to lower your premiums such as limiting the number of hours/miles you spend driving in rush-hour traffic.
Auto Thefts in Scranton
According to recent statistics, Scranton auto thefts are at an all-time low. Only 108 vehicles were stolen back in 2016, which is the year with the most recently available data. This is a good start for saving money on your auto insurance premiums, but you shouldn’t just stop there.
Start by asking your insurance company if your vehicle is a primary target of auto theft according to their data. Also, ask them about any discounts you may be eligible for if you take extra measures to proactively protect yourself like installing an anti-theft device into your vehicle.
Your Credit Score
If you don’t have a great credit score, changing it can be difficult and time-consuming. But you’ll basically have to if you want to get yourself a lower monthly car insurance premium.
Just make sure you stay vigilant, track your credit score using one of the many free websites available on the internet today, and learn as much as you can about taking strategic steps towards boosting your credit.
Just be careful not to let any website scam you into thinking you need to pay for credit monitoring services or advice.
Unfortunately, age is not just a numeral to your insurance company. In their eyes, age is a reflection of how much driving experience you have. And the more experience you have, the less likely you are to get into an accident, statistically speaking.
Since most young drivers get into their first major accident within their first few years of driving, insurance companies tend to charge them sometimes as much as 10 times higher than someone 10 years older in order to offset the potential costs of expensive claims.
However, taking driver’s ed, getting good grades, and getting bundled together on a family policy can help shave off some of these monumental expenses.
Your Driving Record
How clean is your driving record right now? The key words there are “right now” because your insurance company will not consider your entire driving history when coming up with a quote for you.
They’re only concerned with what you’ve been up to lately – specifically, whether or not you have received any tickets, filed any claims, or gotten into any accidents within the last three to five years.
The cleaner your driving record is during that time period, the less you have to worry about. But the more violations you have, the more expensive your monthly premiums will be.
Take a look at the chart below and make a mental note of how much different it is to insure a common, reasonably priced vehicle as opposed to an expensive luxury car. This is another major factor which will have an influence over how affordably-priced your monthly premium will be.
The more expensive your car is to replace, the more money your insurance company will charge you. Likewise, vehicles with higher risk factors – such a sports cars, which tend to attract leadfoot drivers who speed more often (and also get into accidents more often) – will also bump up your monthly rate.
Minor Car Insurance Factors in Scranton
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
Your wedding day is a day that few married people ever forget. But they may be so distracted that they forget to use their nuptials as an excuse to save money on car insurance. Bundling your auto policy with that of your partner can save you up to 15 percent or more if you purchase your policies from the right company.
But if you can’t find a better deal than you have now by bundling together, your insurance provider still should give you a small percentage discount just for being married.
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It used to be pretty standard for insurance companies to evaluate and calculate monthly premiums based partly on gender. But these days, most of the statistical data is leaning away from antiquated notions that there are drastic differences between the way men and women drive (and their risk of getting into an accident).
You can have a talk with your insurance agent and ask them what their standard practices are when it comes to gender and underwriting policies. And if you don’t like the way they do business, you can always take yours somewhere else.
Your Driving Distance to Work
Scranton drivers will probably spend about 10 to 15 minutes each way during their daily commute driving to work alone. Others may have to spend up to 20 minutes, or somewhere between 5 and 25 minutes just to get to work.
Luckily, around 11 percent of Scranton workers carpool with each other to work, meaning that only about 74% of workers in the city are congesting the roads by driving alone to the office.
Carpooling with co-workers can help reduce your annual mileage and potentially get you a discount. But reporting your mileage to your insurance provider will only do so much.
You’ll have to give them hard evidence by signing up for a mileage tracking program and using a smartphone app or a special device to keep track of how much you drive and when. Certain companies offer some very generous discounts for doing this – so be sure to talk to your agent about how much money you could potentially save.
Your Coverage and Deductibles
Adjusting your deductible in order to save money can be a double-edged sword. Raising your deductible could save you over $250 a year or more; but at the same time, it could cost you a substantial amount of money if you suddenly find yourself in a position where you need to cough up $1,000 deductible but can’t afford to pay it.
Keeping your deductible low will make it easier for you to get back on the road in the event that you do get into a serious accident, but if that never happens, then you’ve essentially thrown money out the window.
Education in Scranton, PA
The good news about Scranton is that nearly 40 percent of residents have earned a high school diploma or equivalent degree, Which is higher than the Pennsylvania state average. Unfortunately for Scranton motorist, though, there aren’t too many on the road who can boast of a bachelor’s degree or higher.
When it comes to saving money on car insurance, this is a bit of a shame. The more education you have, the more likely your auto insurance provider will offer you a nice discount on your monthly premiums.
If you want to pursue a higher education – and earn some car insurance discounts as a fringe benefit – you have some choices within the Scranton city limits. The University of Scranton averages about 5,500 students and offers a wide variety of advanced degrees.
Other private universities in the area include Marywood University and Lackawanna College. You could also learn some technical skills at the Career Technology Center of Lackawanna County or the Commonwealth Medical College.
Regardless of your level of education, credit score, marital status, or the type of vehicle you drive, you should be getting the coverage you deserve at a price you can afford.
We may have a bit of a bias, but we believe that the best way to do that is to comparison-shop between companies who are selling car insurance in your town.
And we happen to know which ones are offering the best deals right now – just type your zip code into the search box on our page!
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.