Wilkes-Barre Car Insurance

Your Complete Guide to Wilkes-Barre, PA Car Insurance

How to find a local independent agent in minutes

Wilkes-Barre, PA was a forerunner in the coal mining industry. From waterfalls to unique formations, this town has an iconic nature and appeal.

When you drive the historic streets of this city with 40,806 residents, you'll need protection. If you work with an independent insurance agent, you can save big. Connect with a local expert to get started today.

The Cost of Car Insurance in Wilkes-Barre, PA

Wilkes-Barre car insurance will cost different than anywhere else. This is because each policy is personalized, no matter where you reside. Similar to life insurance, carriers use personal data and history to determine rates. Let's take a glance at what insurance companies look at:

  • Location
  • Claims history
  • Coverage selection
  • Discounts
  • Crime rates
  • Credit score
  • Insurance score
  • Driving record

Since no two people are the same, neither are their insurance premiums. To know how much your coverage will cost, connect with a local adviser. An independent agent can help with quoting. 

Auto Insurance Mandates in Wilkes-Barre, PA

There are different policies that states will regulate. Among them are worker's compensation insurance and car insurance. To use the roadways, you'll need specific limits, according to Pennsylvania law. Let's look at the facts:

  • Minimum requirements in Pennsylvania: $15,000 per person/ $30,000 per accident/ $5,000 property damage

Liability Insurance Definitions:

  • Bodily injury liability: Will pay for the other driver's medical expenses when you're at fault.
  • Property damage liability: Will pay to replace or repair damaged property when you're at fault.  

With state minimum limits, your coverage could be too low. When you need to have a policy that is right the first time, get an adviser that can help. A Wilkes-Barre independent agent can review your car insurance to make sure coverage is sufficient. 

Why Uninsured Motorists Coverage is Necessary in Wilkes-Barre, PA

When you're involved in an accident with an uninsured at-fault driver, you'll need protection. Your car insurance policy does not automatically include coverage. Let's look at the percentage of uninsured drivers:

  • National: 13.0%
  • Pennsylvania: 7.6%

Uninsured drivers are in every city. That's why you need uninsured/underinsured motorist, or UM/UIM, coverage. UM/UIM will pay for your expenses when you're in an accident with an uninsured driver. To better protect your loved ones, check your policy for UM/UIM with an independent agent.

Local Crime and Your Wilkes-Barre, PA Car Policy

Local crime will affect your premiums positively or negatively. The safer your city, the better your insurance costs. Let's look at the theft rates across the board:

  • National theft rate per 100,000 vehicles: 228.90
  • Pennsylvania theft rate per 100,000 vehicles: 102.40
  • Wilkes-Barre theft rate per 100,000 vehicles: 132.60

Wilkes-Barre is lower than the national average but higher than the state's when it comes to theft. How crime impacts your policy will be undetermined until quoted. Whether you drive a sports car or an RV, your costs will be affected by local theft activity. Speak with an independent agent to get started. 

Optional Car Insurance in Wilkes-Barre, PA

Liability insurance is automatically included in your car policy. Other policy coverages need to be added to have protection. If you want coverage for your sedan or snowmobile repair or replacement, you'll need to add it. 

Optional Auto Policy Coverages:

  • Comprehensive coverage: Will replace or repair your car if damage occurs when struck by an object, of it's damaged by a non-collision event like fire, severe weather, or vandalism.
  • Collision coverage: Will repair damage to your vehicle when a crash occurs.
  • Tow coverage: Will pay for the tow of a covered vehicle.
  • Gap coverage: Will pay for the difference between your auto loan and your car's value when a total loss happens.
  • Rental coverage: Will pay for a rental vehicle while your covered auto is in the shop.

A Wilkes-Barre independent agent is a knowledgeable resource for your car insurance. When you're unsure which optional coverage to select, discuss with a trusted adviser. 

What If You Drive for Amazon or Uber in Wilkes-Barre, PA?

Online ordering has become the new normal. Most consumers are getting items delivered straight to their door. If you use a personal vehicle to drive for companies like Amazon or Uber, contact your agent. 

Most personal auto policies exclude coverage for rideshare or for-hire livery services. This can mean a claim would go unpaid, and coverage would be canceled. 

Proper insurance can be found through a commercial vehicle policy. To insure your business operations, you'll need business coverage. Contact your independent agent to discuss your commercial insurance. 

Connect with a Wilkes-Barre Independent Insurance Agent

A Wilkes-Barre independent insurance agent can be a valuable resource. They have access to local carriers, finding you the best rates and coverage in town. 

When you're unsure where to begin, start on TrustedChoice. You can use the find-an-agent tool to connect with a local expert fast.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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