Central Insurers Group Inc
1360 N Atherton St, State College, PA 16803
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1360 N Atherton St, State College, PA 16803
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1315 W College Ave, Suite 300, State College, PA 16801
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2738 W College Ave, STE 100, State College, PA 16801
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1301 N. Atherton St, State College, PA 16803
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600 Science Park Rd, State College, PA 16803
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212 S. Allen St., Suite 212, State College, PA 16801
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Learn about insurance coverage options specific to State College residents.
Complete insurance guide for State College, PA. Compare auto and home rates, understand PA's tort system, and find local agents near Penn State in Centre County.
Home InsuranceHome insurance in State College, PA averages $1,236-$1,440/year. Learn about flood risks, student rental coverage, and mountain weather protection needs.
Car InsuranceState College has PA's lowest car insurance rates at $114/month. Learn about choice no-fault, 15/30/5 minimums, Penn State discounts, and Route 322 safety.
Pennsylvania requires 15/30/5 liability coverage, which means $15,000 per person and $30,000 per accident for bodily injury, plus $5,000 for property damage. You also need $5,000 in personal injury protection (PIP). However, these minimums often aren't enough to fully protect you financially—most experts recommend at least $100,000/$300,000 in liability limits.
Limited tort costs less but restricts your ability to sue for pain and suffering except in cases of serious injury. Full tort preserves all your legal rights but costs more. If you have good health insurance and want to save money, limited tort makes sense. If you want maximum legal protection after an accident, especially if you drive frequently in harsh winter conditions, full tort is worth considering.
State College homeowners typically pay $650-$887 annually for homeowners insurance, significantly less than Pennsylvania's statewide average of $1,440. Your actual rate depends on your home's age, size, construction type, and coverage limits. Rates have been increasing statewide, so it's smart to shop around and compare quotes from multiple insurers every few years.
It depends. Students living in dorms can usually remain covered under their parents' auto and homeowners policies with certain restrictions. If you have your own car at school, you'll need your own auto policy or to be listed on your parents' policy. For off-campus apartments, renters insurance is essential and affordable—typically $10-$20 per month—to protect your belongings and provide liability coverage.
Independent agents can compare quotes from multiple insurance companies on your behalf, while captive agents only sell one company's products. This means an independent agent can shop around to find you the best combination of coverage and price without you having to contact five different insurers. They can also provide personalized advice based on local risks and conditions in Centre County.
Yes. State College has one of the lowest motor vehicle theft rates in Pennsylvania, which can result in lower auto insurance premiums compared to higher-crime areas. Insurance companies factor in local crime statistics when calculating rates, so living in a safer community like Happy Valley can save you money. However, your individual driving record and coverage choices still have the biggest impact on your premium.
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