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This page covers Philadelphia Car Insurance, along with facts, figures, average rates, and tips on how to score the best possible deal on car insurance anywhere in the state of Pennsylvania.
Visit the link shown below for a reader-friendly, state-by-state comparison on car insurance.
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.
for Uninsured Pennsylvania Motorists
Pennsylvania drivers caught 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.
Average Auto Insurance Premiums in PA
According to insure.com, the average annual car insurance premium in Pennsylvania was $1,604 in the middle of last year, while the national average was around $1,510.
According to researchers at Top50States.com, Pennsylvania's slightly higher-than-average car insurance costs may be due to the fact that Pennsylvania is a “No-Fault” state.
Car insurance carriers in No-Fault states will cover the cost of an accident regardless of which driver is at fault. Premiums tend to run higher in No-Fault states.
Cheap Philadelphia Car Insurance
Most insurance carriers offer discount deals to encourage responsible on-road behavior. Available discounts in Pennsylvania include
Safe Driver discounts
Senior Citizen discounts
Good Student discounts
Anti Theft Device discounts
Installed Safety Feature discounts
Multiple Auto discounts
Multiple Policy discounts
...and whatever other discounts an agent can think of to get you to sign up.
According to a study of recent online customer reviews, the most popular auto insurance providers in the state of Pennsylvania are Allstate, Erie, Geico, Liberty, Nationwide, Progressive, State Farm, Auto Owners Insurance, Travelers and 21st Century.
Other options include local carriers like Franklin, Mercer, or AIS.
Pennsylvania is home to many auto insurance providers offering competitive rates. Call several agents near you. 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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