Cheap Auto Insurance Quotes in Philadelphia, PA (August 2022)

Safety is always a concern on America’s roads, and so it is with a city like Philadelphia where car accidents are fairly common. Being Pennsylvania’s largest and sixth most populous city, it’s hard to get around this fact but easy enough to find insurance to keep you safe while on the city’s streets.

Minimum Car Insurance Requirements in Pennsylvania

All motor vehicles operated or parked on Pennsylvania roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Pennsylvania^[1] are:

• $15,000 per person for bodily injury
• $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Pennsylvania is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $5,000 per accident for Medical Benefits

Medical Benefits, similar to PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Philadelphia, PA DMV Information

Though the state of Pennsylvania was able to claim the lowest number of car accidents in 2019 since reporting began in 1935, Philly can only do so much to improve safety on its congested roadways. Part of the problem has to do with weather that creates an ongoing pothole problem, making road conditions just one hazard of the daily commute. Luckily, something drivers can control in the City of Brotherly Love is how much they pay for their car insurance policy. Like so many places these days, the Pennsylvania Department of Transportation suggests that vehicle registration and other licensing services be completed online for the most efficient service. If you must go in person, you will need to find a driver’s license center or online messenger service that can help you with your vehicle needs. Online Messengers (OLMs) are private businesses contracted to provide driver licensing and vehicle registration services for customers via an online connection with the Pennsylvania Department of Transportation (PennDOT). While there are 30+ driver’s license centers within 35 miles of Philadelphia in locations like Harrisburg, Enola, Duncannon, Carlisle, Elizabethville, York, Lebanon, Lancaster, and Gettysburg, there are over 80 OLMs within the same distance.

Public Transportation in Philadelphia, PA

Though you can take a tour of historic Philadelphia on foot and cruise some of the city by bike, you are more likely to utilize your own vehicle or one of the city’s public transportation options. SEPTA (Southeastern Pennsylvania Transportation Authority) is one of the most comprehensive bus/subway/commuter-rail systems in the United States and one of the nation’s best. Rather dial for a ride right now? Rideshare options like Uber or Lyft can take you to the city’s top attractions. Another option (although seasonal) is the Philadelphia PHLASH Downtown Loop, a handsome blue bus service to key Philadelphia historic and cultural attractions.

How to get the best and cheapest car insurance in Philadelphia, PA

U.S. history was literally made in Philly, and the people who live there are proud of that fact. They are also proud of their ability to get around town—tourist season or not—on their own and in their own vehicles whenever they can.

Though the city’s record for annual traffic accidents is happily improving, smart drivers know that no one can predict what the next day—or moment—will bring, especially on the road. What they can control, however, is how they shop for car insurance. For that reason, smart drivers use Insurify to get great rates quickly and easily online.