Philadelphia Car Insurance

Everything You Need To Know About Car Insurance in Philadelphia

Find the right car insurance policy for you.

Philadelphia, PA was ranked as the #1 "Place the Visit in the United States" by Lonely Planet, and it's no surprise. The "City of Brotherly Love" has one of the nation's most beautiful sky lines along with some of the best educational opportunities in the country. If you live in Philadelphia, you know that the steady flow of traffic can get out of control. Drivers in this city face serious risks. In fact, Philadelphia has more annual fatalities from car accidents than any other city in Pennsylvania. Before you get behind the wheel, make sure you're covered with comprehensive Philadelphia car insurance. 

The Trusted Choice® Independent Insurance Agents provide one-on-one assistance to drivers in Philadelphia who are looking for the best rates on their auto insurance. Our friendly agents can offer quotes from multiple policies, giving you the best chances of finding a comprehensive coverage plan at a price that you can afford. 

  • National average cost per year: $1,311
  • Pennsylvania average cost per year: $1,304
  • 23rd most expensive auto premium in the U.S.

Auto insurance can get expensive, especially if you have been in previous accidents. The Trusted Choice Agents will work with you to find the most affordable coverage options. Ultimately, your car insurance premiums will be determined by your car's make and model, your age and your driving record. 

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Pennsylvania Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 15/30/5

In Pennsylvania, all drivers are required to have minimum liability coverage of $15,000 for individual bodily injury, $30,000 for all injuries in an accident and $5,000 for property damage per accident. Auto liability insurance is a critical part of building a plan to protect your financial future. One simple accident could have devastating consequences, so make sure you're covered by choosing the best car insurance. 

Number of Uninsured Motorists in Pennsylvania

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Pennsylvania drivers: 6.5%

Accidents can happen in a split second and change your life forever. If you find yourself in a wreck and the driver at fault is uninsured, the situation is so much worse. Now you'll be responsible to pay for your own car repairs and medical bills. You can combat this serious threat by adding uninsured motorist coverage to your auto policy. 

Number of Auto Thefts in Pennsylvania

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Pennsylvania: 1.50

Car theft is less common in Pennsylvania than in most of the United States, but Philadelphia might just be the exception. This large city has a high crime rate, causing serious concern to drivers. Make sure you always keep your car doors locked and park in a well-lit area if you have to leave your car unattended at night. Most importantly, make sure your auto policy includes coverage for theft. 

Find a Great Philadelphia Car Insurance Policy

Finding reliable Philadelphia auto insurance starts with a call to Trusted Choice. Our experienced Independent Insurance Agents offer a personalized approach to car insurance, guiding each driver toward customized coverage options that best protect against common risks. When you speak with an agent, you can ask questions, compare quotes and find the best policy for your lifestyle and budget. Contact a Trusted Choice agent today to learn more about Philadelphia car insurance. 

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