How Much Does Car Insurance Cost in Philadelphia, PA?
- State minimum liability on average in Philadelphia, PA costs $102 a month or $1,223 a year. Full coverage auto policies costs around $429 a month or $5,147 a year in Philadelphia.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Philadelphia – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheap Car Insurance Companies in Philadelphia, PA
- In Philadelphia the cheapest car insurance companies on average are Erie Insurance, GEICO and Progressive. State minimum liability car insurance starts at $39 a month or $466 a year. The cheapest full coverage car insurance starts at $197 a month or $2,363 a year with a policy from Erie.
Here are the average policy rates from the cheapest local and national insurance providers in Philadelphia from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Erie Insurance | $466 | $39 | $2,363 | $197 |
| GEICO | $718 | $60 | $2,979 | $248 |
| Progressive | $738 | $62 | $3,134 | $261 |
| Allstate | $844 | $70 | $3,167 | $264 |
How to Get a Cheap Auto Insurance Policy in Philadelphia, PA
Philadelphia, PA is a bustling city with a high volume of traffic and diverse road conditions. As such, it is crucial for drivers in the area to have reliable car insurance coverage that fits their budget. To find the cheapest rates on car insurance policies in Philadelphia, drivers should consider obtaining multiple free auto insurance quotes from various providers. With InsuranceQuotes’ user-friendly quote form and real-time cost comparison tools, comparing different policy options has never been easier. By utilizing our extensive database of local and national insurance companies offering competitive rates, drivers can make an informed decision about which policy best suits their needs while saving money on premiums.
How Much Car Insurance Do I Need in Pennsylvania?
In Pennsylvania, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Pennsylvania includes:
- Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. Pennsylvania requires minimum bodily injury liability coverage of:
- $15,000 per person injured in any one accident
- $30,000 for all persons injured in any one accident
- Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. Pennsylvania requires minimum property damage liability coverage of:
- $5,000 for injury to or destruction of property of others in any one accident
These are the minimum coverage requirements mandated by Pennsylvania law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection.
While the above coverages are required by law, Pennsylvania also offers additional optional coverage types for drivers to consider, including:
- Liability Coverage: This coverage is required by law in Pennsylvania and helps pay for injuries or property damage you cause to others in an at-fault accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP coverage helps pay for medical expenses and other related costs for you and your passengers, regardless of who is at fault in the accident.
- Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
Driving Laws in PA
According to the Pennsylvania Department of Transportation, drivers in Pennsylvania are not permitted to text. As reported by The Philadelphia Inquirer, the distracted driving laws in the state ban texting and allow police officers to pull over and cite anyone who is texting. However, there are no state bans on using a cell phone to talk while driving. Philadelphia is one of the cities in the state that prohibits all cell phone use by drivers, so it is important for drivers to use a hands-free set while driving within city limits. Motorcyclists who are either under the age of 21 or have held a motorcycle license for less than two years must wear a helmet. Seat belts are required for drivers, passengers in the front seat and anyone under the age of 18.
Drinking & Driving Laws in Philadelphia
The Pennsylvania Department of Transportation advises drivers that driving with a blood alcohol content (BAC) level above .08 is considered to be driving under the influence. License suspension, fines and probation or jail time could be assessed as the result of a DUI.
– First-time Offense
- $300 fine
- Probation of up to six months
- Mandatory driving school
– Second-time Offense
- Fine from $300 up to $2,500
- Jail time of 5 days up to 6 months
- 12-month license suspension
- 1 year ignition lock
– Third-time Offense
- Fine of $500 up to $5,000
- Jail time of 10 days up to 2 years.
Offenders with a BAC level over .10 face more serious consequences.
Having car insurance is not only helpful but also required by law in Philadelphia. For free car insurance quotes and to see comparable coverage rates, fill out the form on this page.
