Cheap Car Insurance in Somerset, PA
Everything You Need to Know About Auto Insurance in Pennsylvania
Somerset, Pennsylvania, is a charming borough and the county seat of Somerset County. It is home to approximately 5,851 residents, with a median age of 43.1, and is located near the Pennsylvania Turnpike, making it easy to reach the many local destinations.
Somerset boasts a rich history, from its role in the 1794 Whiskey Rebellion to the 2002 Quecreek Mine Rescue. Must-visit sites include the Somerset Historical Center and the historic Kings Covered Bridge, both offering a glimpse into the area’s past.
Of course, if you live or visit Somerset, you won’t want to miss a single site, restaurant, or event, so you’ll need active auto insurance. Learn more about car insurance in Pennsylvania, including average monthly premiums and penalties for driving without coverage in the region.
How Much Does Car Insurance Cost in Somerset, Pennsylvania?
In Pennsylvania, drivers pay an average of $203 monthly for full coverage and $43 for minimum coverage. In Somerset, rates are slightly lower at $175 for full coverage and $42 for minimum coverage. While full coverage costs more than the national average of $183, minimum coverage remains comparable at around $50.
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What Does Full vs Minimum Mean?
Full-coverage car insurance includes liability, plus collision and comprehensive insurance, protecting against a wide range of damages, such as accidents with other vehicles, natural disasters, and vandalism.
Minimum coverage, on the other hand, only includes state-required liability insurance. In a no-fault state like Pennsylvania, this means your own insurance will cover the cost of your medical and other associated bills, regardless of fault. However, your property damage liability will still be used to cover vehicle and other damages to other drivers in an accident you cause.
Affordable Car Insurance Rates Comparison by Cities in Pennsylvania
For a comparison of the average monthly premiums paid in Pennsylvania cities, check out our breakdown below:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Somerset | $176 | $42 |
| Pricedale | $203 | $43 |
| Hibbs | $184 | $43 |
| Black Lick | $177 | $43 |
| New Castle | $173 | $43 |
| North East | $178 | $43 |
Affordable Somerset Car Insurance Rates by Zip Code
In addition to factors like your age and driving record, car insurance rates generally vary based on factors including population density, crime rates, and accident statistics. In Somerset, residents can expect local factors to influence rates.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 18337 | $133 | $30 |
| 15541 | $107 | $24 |
| 15530 | $109 | $23 |
| 15531 | $142 | $24 |
| 15552 | $109 | $23 |
| 15937 | $104 | $24 |
| 15926 | $107 | $24 |
| 15928 | $104 | $24 |
| 15901 | $102 | $24 |
Low-Cost Car Insurance Rates by Age in Somerset
Insurance works by spreading the risk of a motor vehicle accident across a group of similar drivers. The major factors used to determine insurance rates are linked to age.
As you might expect, new drivers are statistically more likely to have an accident than more experienced drivers. Because of this, you can expect car insurance for teens to be higher than coverage for more mature drivers.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $528 | $128 |
| 20s | $185 | $41 |
| 30s | $102 | $24 |
| 40s | $94 | $23 |
| 50s | $89 | $23 |
| 60s | $85 | $22 |
| 70s | $92 | $25 |
*Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Pennsylvania. Your rates will be determined by several factors, including your age, your gender, and the amount of coverage you want to purchase.
Driving Conditions in Somerset
Somerset’s high elevation and Appalachian location can lead to harsh winter conditions that impact driving conditions. The area experiences significant snowfall, with an average of about 93 inches annually, which can affect road safety and insurance rates.
To stay informed about driving conditions in and around Somerset, especially regarding incidents or delays, check the Pennsylvania Turnpike’s travel advisories page.
How Many Fatal Accidents Happen in Somerset?
There was 1 fatal accident in Somerset in 2022. PennDOT continuously works to improve roads, educate the public, and support law enforcement to help keep these numbers low.
How Are the Road Infrastructure and Bridges in Somerset?
Somerset’s road infrastructure is supported by its proximity to major highways like the Pennsylvania Turnpike. However, some rural areas have less developed roads, which can affect driving conditions.
Overall, 24% of the area’s road assets are currently considered poor. The county is actively improving and resurfacing roads and rehabilitating or replacing bridges.
Minimum Car Insurance Requirements in Somerset
Pennsylvania law requires all motor vehicle owners to maintain liability insurance on currently registered vehicles. In Somerset, as in the rest of Pennsylvania, drivers must meet the following minimum car insurance requirements:
- Bodily Injury Liability: At least $15,000 per person and $30,000 per accident.
- Property Damage Liability: At least $5,000.
- Personal Injury Protection (PIP): At least $5,000 per person.
What Are the Penalties for Driving Without Insurance in Somerset, Pennsylvania?
If you’re considering driving without insurance in Somerset, Pennsylvania, think again. According to the Commonwealth of Pennsylvania, the penalties start at a minimum $300 fine for a first offense. Driving without coverage in Pennsylvania is illegal and can result in severe penalties, including:
- License Suspension: For three months.
- Restoration Fee: $88 to reinstate your license.
- Additional Fees: Potential additional costs for reinstatement and court fees.
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Factors Allowed in Somerset Car Insurance Rates
The purpose of car insurance is to help drivers cope with unexpected losses by transferring the financial risk to the insurance provider. To take on the risk, providers calculate premium rates by weighing factors such as age and driving history. Several factors can influence insurance rates in Somerset, including:
- Age: Younger drivers typically pay more.
- Driving History: Accidents or tickets increase premiums.
- Location: Urban vs. rural areas affect rates.
- Type of Vehicle: More expensive vehicles cost more to insure.
- Deductible Amount: Higher deductibles, lower premiums.
- Coverage Amount: More coverage increases costs.
- Marital Status: Sometimes affects rates.
- Education: Certain educational achievements may qualify for discounts.
What Happens if I Damage Property in Somerset?
If you damage property, such as another car or a fence, in Somerset, you must file a claim with your insurance company. If you only have minimum coverage, you may be personally liable for damages exceeding your policy limits. It’s essential to consider additional coverage options, like collision insurance, to protect yourself financially.
What Are the Best Discounts for Car Insurance in Somerset, PA?
Just as insurance prices are personal to each circumstance, so are the discounts. To save on car insurance in Somerset, consider talking to an experienced agent about the following auto coverage discounts:
Customer Loyalty — If you’ve been a customer for an extended period or have additional coverage, you may be eligible for customer loyalty discounts.
Bundling — Bundling auto insurance with other coverage products can provide a significant discount.
Multi-Car Discount — Households with multiple drivers can benefit by putting all cars and drivers on a multi-car policy.
Safe Driver Discount — Drivers with a clean driving record may be eligible for a safe driving discount.
Student Discount — High school or university students may get a student discount based on attendance and performance.
Paperless Billing Discount — Auto-pay and paperless billing can provide an additional discount, and even better, everyone is eligible!
Anti-theft Discount — If your vehicle has an anti-theft device installation, such as audible alarms, you may qualify for this discount.
Military Discount — A military auto insurance discount is a decrease in your car insurance premium based on having served your country as a former or current member of the U.S. Armed Forces.
Stay on top of your discounts by calling your insurance provider every six months. Life circumstances change, and you could be eligible for even better savings.
Get an Online Quote for Car Insurance in Somerset Today!
Understanding coverage options, available discounts, personal circumstances, local conditions, and Pennsylvania’s insurance requirements can help you decide when getting car insurance. By taking advantage of potential savings and choosing the right coverage, drivers in Somerset can secure affordable and reliable auto insurance.
Don’t stress over vehicle protection. Find the best rates in Somerset with help from Freeway Insurance. Get started with a quote online or visit a Pennsylvania insurance office near you. You can also call us at 800-777-5620 to explore options and receive a personalized quote. Contact us today!