New study ranks where PA’s best and worst drivers are

(WJET/WFXP) — Driving in Pennsylvania can be stressful, varying from town to town. Some places seemingly have drivers who make things easy behind the wheel, while others give you white knuckles. Now, a new study by Lending Tree ranked drivers across the Commonwealth.

LendingTree recently released a study diving into driving in Pennsylvania, comparing insurance rates for different areas and situations, along with towns with the best and worst drivers.

Best and Worst Drivers

LendingTree’s study ranked the best and worst metro areas for driving based on car incidents per 1,000 drivers, crowning State College, PA, drivers as the best with 11.4 incidents and Carlisle as the worst with 27.0 incidents per 1,000 drivers.

City	Incidents per 1,000 drivers
Best Drivers
State College	11.4
Scranton	11.9
Lancaster	12.0
Bethel Park	12.0
Norristown	12.7
Worst Drivers
Carlisle	27.0
York	22.3
Erie	19.5
Pittsburgh	19.1
Altoona	18.6

When looking into the age demographics for the worst drivers by generation, Gen Z drivers are the most frequent offenders, accounting for 57.4 driving incidents per 1,000 drivers, followed by Millennials (29.6), Gen X (23.1), Boomers (17.5), and finally the Silent Generation (15.4).

Finally, where does the make of the car fit into all of this? LendingTree also accounted for which makes of cars account for the most incidents, with Pontiac drivers causing the least trouble and Ram drivers causing the most.

Make	Incidents per 1,000 Drivers
Best
Pontiac	14.2
Cadillac	15.6
Chrysler	19.6
Mercedes-Benz	19.6
Mercury	21.5
Worst
Ram	32.1
Audi	30.9
Mazda	29.7
Volkswagen	29.6
Mitsubishi	28.3

Insurance rates

Regardless of one’s driving abilities, all drivers are required to have insurance before hitting the road, with the average Pennsylvania driver paying about $2,022 for full coverage.

City	Annual rate	% from average
Top 5 most expensive
Philadelphia	$3,713	83%
Yeadon	$3,444	70%
East Lansdowne	$3,423	69%
Concordville	$3,352	65%
Lansdowne	$3,350	65%
Top 5 least expensive
Houserville	$1,609	-21%
Pine Grove Mills	$1,614	-21%
State College	$1,619	-20%
Park Forest Village	$1,621	-20%
Lemont	$1,628	-20%

Erie drivers paid near the state average annual rate at $2,033, while Penn State Erie The Behrend College rates were about 4% lower at $1,958.

While your insurance rate is based on factors like your driving record, age, credit and where you live, each company weighs these factors in its own way. With that in mind, LendingTree also organized the companies with the cheapest full-coverage car insurance.

Company	Annual full coverage rate	LendingTree score	Annual liability coverage rate
Travelers	$1,216	4.5/5 stars	$437
Erie Insurance	$1,256	4/5 stars	$341
State Farm	$1,512	4.5/5 stars	$430
State Average	$2,022		$652
Nationwide	$2,227	3/5 stars	$707
Allstate	$2,731	3/5 stars	$1,143
Geico	$2,803	3.5/5 stars	$891
Progressive	$2,907	4/5 stars	$823
USAA*	$1,827*	4/5 stars*	$428

For the full study that dives deeper into car insurance rates for different situations like DUI, teen drivers, insurance after a crash and more, visit the LendingTree site here.