Norristown Car Insurance

When you need coverage for an affordable price

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.


Norristown, PA is known as an industrial boomtown. With factories and commerce dating back to the 1800s, Norristown is an epicenter for growth and employment.

When you drive the streets of this city of 34,510 residents, you'll want proper coverage. An independent insurance agent has the policy you need for the price you want. You can connect with a local expert in no time. 

What Does Your Car Insurance Cost in Norristown, PA?

Every person has an individualized rate that is specific to them. Like a life insurance policy, your auto coverage goes off of personal data. The insurance companies use the following factors:

  • Your address
  • The crime rate where you live
  • The number of claims reported in the area
  • Your insurance score, credit score, and driving record
  • The coverage you select
  • The year, make, model, and value of the vehicles you insure
  • Your experience level

While your coverage cost may not be easy to know without running quotes, you can understand what the carriers use. Some factors are outside of your control, while others can be improved. Speak with a Norristown independent agent to get quote comparisons.

What Are the Norristown, PA Car Insurance Requirements?

In most cities, you have to pay for liability insurance to use the roadways. Norristown has its own mandates according to the state guidelines. Like worker's compensation insurance, auto coverage is a requirement. 

Car Insurance Requirements in Norristown, PA:

  • Minimum liability limits of $15,000 per person/ $30,000 per accident/ $5,000 in property damage

Since only the lowest limits are mandated, you may want to ask your agent about better coverage. Be sure your policy will respond to a claim in full, so you don't have to pay anything out of pocket. Discuss your liability limits with an independent agent near you. 

Uninsured and Underinsured Motorist Coverage in Norristown, PA

Not every driver on the road has car insurance. The best way to protect you and your family is to obtain uninsured/underinsured motorist coverage, or UM/UIM.


UM/UIM will provide insurance in a car accident if the other party involved is at fault and doesn't have insurance. Check out the percentage of uninsured motorists:

  • National: 13.0%
  • Pennsylvania: 7.6%

While Pennsylvania has a lower percentage of uninsured drivers on the road, coverage is still necessary. UM/UIM is not required in Norristown, so you'll need to add it to your policy. To have adequate protection, speak with an agent about your UM/UIM insurance.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

What Are Other Car Insurance Coverages Needed in Norristown, PA?

In addition to your vehicle liability insurance, there are other coverages you can include. Each policy has to add them to have insurance for the repair or replacement of a covered auto.  

Optional Auto Policy Coverages:

  • Comprehensive: Pays for property damage to your vehicle resulting from an obstruction hitting your car, or damage caused by a non-collision event like a fire, severe weather, or vandalism. 
  • Collision: Pays for property damage to your vehicle or property resulting from a crash.
  • Rental car: Pays for a rental car needed as a result of a covered loss.
  • Towing: Pays for a covered auto to be towed.
  • Gap: Pays for the difference between what's left on your auto loan and your vehicle's value in the case of a total loss. 

If you want to offset the extra expense that additional coverages may bring, consider bundling. When you bundle your auto and homeowners insurance, you save big. Carriers will award 30% or more off annual rates. Connect with your independent agent to discuss more cost-saving scenarios.

Does Theft Impact Your Norristown, PA Car Premiums?

Theft impacts your property as well as your premiums. When you're the victim of a vehicle break-in, be sure you have proper coverage. Comprehensive insurance can help pay for your stolen belongings in the event of a loss. 

Theft Rates:

  • National thefts per 100,000 vehicles: 228.90
  • Pennsylvania thefts per 100,000 vehicles: 102.40
  • Norristown thefts per 100,000 vehicles: 141.90

The theft rate in Norristown is relatively low compared to the national figure. This can bode well for your insurance costs. Whether you drive an SUV or an ATV, crime impacts every policy. Discuss how local theft affects your pricing with an independent agent.

Umbrella Liability Insurance in Norristown, PA

An umbrella insurance policy applies when an auto loss exhausts your underlying liability limits. It only takes one substantial claim, and your financial future is at risk. 

Umbrella coverage starts with a $1,000,000 protection limit and goes up depending on your assets. Speak with your Norristown independent agent to get the umbrella policy you need. 

How a Norristown, PA Independent Agent Can Help

When you work with an independent insurance agent in Norristown, PA, you have options. They can shop local carriers, finding you the best coverage around.

Go to TrustedChoice to connect with an independent agent. You can access the find-an-agent resource to get matched instantly.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn