Car Insurance in Philadelphia, PA
The average cost of Pennsylvania car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Philadelphia, PA to find you the cheapest quotes in the area.
Cheapest Car Insurance in Philadelphia, PA
Here are the cheapest carriers in Philadelphia for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Companies | Quotes |
|---|---|
GEICO |
$189 /mo |
Progressive |
$201 /mo |
Travelers |
$269 /mo |
The General |
$324 /mo |
Best Car Insurance in Philadelphia, PA
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Philadelphia. For the complete list, see Insurify's best car insurance companies.
| Companies | Score | Quotes |
|---|---|---|
|
GEICO |
87
|
$189 /mo |
|
Travelers |
81
|
$269 /mo |
|
Progressive |
78
|
$201 /mo |
Average Car Insurance Cost
| Pennsylvania Cities | |
|---|---|
| Pittsburgh |
$144/mo |
| Allentown |
$153/mo |
| Erie |
$137/mo |
| Reading |
$157/mo |
| Philadelphia |
$246/mo |
| Pennsylvania |
$167/mo |
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Philadelphia, PA Driving Facts
Minimum Car Insurance Requirements in PA
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 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 are as follows:
- $15,000 per person/$30,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Pennsylvania state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Pennsylvania law.
- $5,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Pennsylvania is $5,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
- $5,000/accident for Medical Benefits (PIP)
The minimum requirements in Pennsylvania include $5,000 first-party benefits towards medical expenses per accident. Insurance companies offer higher limits of up to $100,000 per accident.
Pennsylvania is the only state in the country that requires “first-party benefits coverage.” These benefits act as coverage in an accident regardless of fault.
Insurify Rankings
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Philadelphia stacks up for the state of Pennsylvania:
Philadelphia, PA
Suspended Licenses Rank
FAQs - Philadelphia, PA Car Insurance
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