Philadelphia Car Insurance

This page is primarily about Philadelphia Car Insurance. 

Visit the link shown below for a reader-friendly, state-by-state comparison on car insurance.

Visit the other links to study American culture, or visit cool U.S. destinations on a budget, or learn how to work from home in America, or to read detailed reviews of top U.S. colleges, among other useful links. 

This page features facts, figures, average rates, and tips on how to score the best possible deal on car insurance in Philly, or anywhere in the state of Pennsylvania


average annual premiums

According to, the average annual car insurance premium in the state of Pennsylvania was $1,130 this year, while the overall national average for the same time period was around $1,365.

Although the average annual auto insurance premium in the state of Pennsylvania is quite a bit lower than the overall national average, it is probably a safe guess that car insurance premiums are higher in Philadelphia than they are in other parts of the state. 

penalties for uninsured drivers

Pennsylvania motorists caught driving without car insurance face a $300 fine and a 90-day suspended license.

Other headaches associated with a lack of car insurance include costly reinstatement fees and raised annual premiums. 

Compared with other U.S. states, Pennsylvania has a relatively low percentage of uninsured vehicles. Only about 1 out of 14 operational vehicles in Pennsylvania is uninsured. 

minimum liability coverage for vehicles in pennsylvania

The minimum required amount of coverage required for each auto owned in Pennsylvania is $15,000 in Personal Injury Protection (PIP) to cover the costs of injuries to the driver; $30,000 against injuries to others; and $5,000 to guard against property damage. 

Insurance carriers refer to Pennsylvania's minimum requirement as 15/30/5.

The minimum required auto insurance coverage in Pennsylvania is lower than it is for most other U.S. states, and is unlikely to be enough to cover the cost of an actual auto accident. 

cheap pennsylvania and philadelphia car insurance

Most insurance carriers offer discount deals to encourage responsible on-road behavior. Available discounts in the state of Pennsylvania include

  1. Low Mileage discounts
  2. Good Driver discounts
  3. Senior Citizen discounts
  4. Good Student discounts
  5. Anti Theft Device discounts
  6. Installed Safety Feature discounts
  7. Multiple Auto discounts
  8. Multiple Policy discounts
  9. Paid-in-Full discounts
  10. Online Purchase discounts 

...and whatever other discounts the agent can dream up to get you to sign on. 

The best way to slash the price of annual premiums on car insurance is to get as many discounts as you qualify for. ALWAYS ask about available discounts. 

Pennsylvania Car Insurance Quotes

According to a study of recent online customer reviews, the most popular auto insurance providers in the state of Pennsylvania are

  1. Allstate
  2. Erie
  3. Geico
  4. Liberty
  5. Nationwide
  6. Progressive
  7. State Farm
  8. Auto Owners Insurance
  9. Travelers
  10. 21st Century

Other statewide options include local carriers such as Franklin, Mercer, and AIS. 

Buyers of Philadelphia car insurance policies like the same carriers (overall) as their in-state neighbors do.

Pennsylvania is home to many auto insurance providers, all of them offering competitive rates. Even companies that sell Philadelphia car insurance policies are competitive with each other. 

Call several agents near you to collect a few free quotes. Ask about DISCOUNTS! Then obtain more free quotes online.

Finally, factor in the discounts and compare the quotes to select the least expensive premium package that fits your driving needs.

Above all, remember that the best way to save money as a driver is to avoid accidents entirely. Drive smart. 

related links

Cheap Car Insurance in YOUR State 

Compare Average Car Insurance Premiums in all 50 states and Washington DC. 

What is Comprehensive Auto Insurance?

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