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Auto Insurance Offered in Philadelphia

Here's what you need to know...
  • Philidelphia drivers must meet no-fault state car insurance requirements, which includes PIP insurance
  • The average car insurance cost in Philadelphia is $2,313 annually, nearly double the national average
  • Minimum liability in Philadelphia is 15/30/5
  • Philadelphia drivers may choose between a Tort or no-fault insurance policy

Philadelphia is often known as a city of neighborhoods. An old, diverse, historic East Coast city, Philadelphia has a neighborhood for everyone to feel at home, no matter the race, class or religion of its inhabitants. Known as the City of Brotherly Love, Philadelphia is filled with passionate people who don’t take any nonsense from anyone.

Driving in the city has its own logic – you are more likely to get in an accident if you are overly cautious and slow to move than if you go with the flow of traffic, even if everyone seems like they’re in a rush.

Either way, make sure you are covered with car insurance! Use our ZIP code search and compare car insurance for FREE!

The streets of Philadelphia were originally designed for horse and buggy transportation, and cars often find them difficult to traverse. Furthermore, traffic and parking violations are handled by a private agency notorious for tough fees and efficient service.

City bureaucracy ensures that moving laws are rigorously enforced. Finally, the recent rise in Philadelphia’s crime rate has caused the police to patrol the streets and enforce laws more forcefully.

Philadelphia is a one-of-a-kind city with its own quirks and challenges. Due to its class diversity, crime rates, historic streets and unique character, it is important to be aware of the city’s insurance laws, driving statistics and average rates before you choose your provider.

Requirements for Philadelphia Car Insurance

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The minimum coverage requirements for Philadelphia drivers are:

  • $15,000/$30,000 Bodily Injury Liability Coverage
  • $5,000 Property Damage Liability Coverage
  • $5,000 PIP Medical Coverage

Your car insurance provider will know these requirements and will always offer you a policy that fulfills at least these.

However, there are possibilities for additional coverage if you are concerned about damages to your car in Philadelphia.

These include uninsured motorist coverage, collision coverage, and comprehensive coverage.

Uninsured motorist coverage ensures that you will be adequately compensated if you sign up for a Tort policy and someone hits you, is at fault and doesn’t have insurance. This is also a good way to get around the difficulty of sharing the road with no-fault policy-holders in Philadelphia. Your rates won’t go up if you have to pay for repairs or bills that aren’t your fault.

This may be a prudent add-on to your car insurance policy due to the narrow streets of the city. It is disturbingly easy to collide with something while trying to manage a tight parallel park with half your car up on the curb.

Comprehensive coverage covers damage to your car as a result of everything that might happen when you’re not actively driving it. This includes theft, vandalism, harsh weather or other “acts of God.”

As with collision coverage, you may be required to pay a small deductible in some cases. Depending on where you live and what you drive, you may want to add comprehensive coverage to your car insurance policy.

Average Car Insurance Rates in Philadelphia

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Car insurance rates in Philadelphia are much higher than the national or state average. This is perhaps due to the city’s population density, increased levels of crime and more difficult driving conditions.

The national average is $1,414 per year, the Pennsylvania car insurance average is $1,306 per year and the Philadelphia average is $2,313 per year.

It is important to point out that this statistic includes people who opt for more expensive levels of coverage or who live in more crime-ridden areas. You are encouraged to get your own quotes from the insurance companies and agencies in Philadelphia for more accurate prices. Your prices may differ significantly from this average.

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Laws and Regulations for Philadelphia Insurance

All drivers in the city of Philadelphia are required by law to hold at least the minimum amount of required state coverage. Failure to do so is a civil infraction that may lead to a 90-day suspension of your driver’s license and vehicle registration.

Following this suspension, you are required to present proof of insurance to get your license and registration back.

You should keep a copy of your proof of insurance in the car with you at all times.

If you get into an accident or if a police officer pulls you over, you will be required to show it along with your license and registration.

Philadelphia is located in Pennsylvania, which is a Choice No-Fault state. This means that you can decide whether you want to sign up for a No-Fault insurance policy or a Tort insurance policy. If you do not make this choice when you sign up for your insurance, a Tort policy is the default.

How to Decide Between Tort and No-Fault Insurance

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In order to make an informed decision, you need to know why you might choose Tort or No-Fault. The main difference between the two lies in how they establish blame for accidents and subsequent liability for damages.

When you sign up for a Tort policy, a court decides who is to blame for your accidents. The insurance company of the person at fault pays for everybody’s damages, court costs, and medical bills.

With a No-Fault policy, your insurance company pays for your damages and bills. You are never liable for anybody else’s damages except in severe circumstances. You also forfeit the opportunity to have someone else’s insurance company pay for your damages.

In the event that a no-fault driver is deemed responsible for an accident with a Tort plan, the Tort driver’s insurance company will have to pay for the bills despite the lack of fault.

Pros and Cons of Tort and No-Fault

Tort Pros 

  • Don’t pay for accidents that you don’t cause
  • Legal incentives to be a good driver

Tort Cons

  • Policies are often more expensive because they include the necessity for court costs
  • Tort drivers are more likely to commit insurance fraud
  • Legal system defaults to No-Fault drivers

No-Fault Pros

  • Receive quick payments in the event of an accident without having to go to court
  • Often cheaper

No-Fault Cons

  • If you get into an accident, your premiums go up, even if it isn’t your fault
  • Lack of punishment for at-fault drivers in an accident

Philadelphia drivers with No-Fault insurance policies may be vulnerable to a tort lawsuit if their potential negligence is ruled to have caused sufficient personal injury. Liable injuries include but are not limited to death, permanent disability or disfigurement.

Statistics for Driving and Insuring a Car in Philadelphia

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Driving and car insurance accident statistics play a huge role in how car insurance companies put a price on your premiums. For instance, about 53 percent of Philadelphia drivers are women, yet women only cause 28 percent of car accidents. Depending on the insurance company you use, this may lead to significantly higher insurance costs for men than for women.

Furthermore, depending on your county of residence around Philadelphia, you may need to pay more for your insurance coverage. The counties with the most crashes and the highest insurance rates are:

  1. Allegheny
  2. York
  3. Philadelphia
  4. Berks
  5. Montgomery
  6. Chester
  7. Bucks
  8. Lehigh
  9. Lancaster
  10. Delaware

Finally, according to the National Car Insurance Bureau, the ten most stolen cars in Philadelphia are:

  1. ’94 Honda Accord
  2. ’00 Honda Civic
  3. ’00 Dodge Caravan
  4. ’09 Toyota Camry
  5. ’97 Ford Explorer
  6. ’00 Ford Taurus
  7. ’94 Jeep Grand Cherokee
  8. ’95 Acura Integra
  9. ’04 Nissan Maxima
  10. ’92 Ford F150 Pickup

If you own one of these cars, your insurance premiums may be significantly higher.

Insurance Companies of Philadelphia

There are many different Philadelphia car insurance companies for your to choose from. These include:

Each insurance company uses different algorithms to determine your premium rates. You should always shop around and compare policies before settling on one car insurance company.

Compare Philadelphia Car Insurance Quotes Today

You are required to have car insurance by law, so you might as well choose the insurance company that provides you with everything you need for the cheapest price.

Use our website to compare Philadelphia car insurance quotes today! Don’t wait any longer! Enter your ZIP code and find cheap car insurance for FREE!

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