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


For that matter, these handy tips can generally apply to drivers in any U.S. state. 

Average Auto Insurance Premiums in PA

According to, the average annual car insurance premium in the state of Pennsylvania was $1,305 in the middle of last year, while the national average was around $1,347.

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 Pennsylvania Motorists

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 are costly reinstatement fees and raised 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 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 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 an agent can think of to get you to sign up.

Philadelphia 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, or AIS.

Pennsylvania is home to many auto insurance providers offering competitive rates. Call several agents near you for free quotes. Ask about discounts. Then get several free quotes online.

Then simply compare quotes and select the least expensive premium package.

Above all, drive smart.

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