Auto Insurance Offered in Philadelphia

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Here's what you need to know...
  • Philidelphia drivers must meet no-fault state car insurance requirements, which includes PIP insurance
  • Minimum liability in Philadelphia is 15/30/5
  • Philadelphia drivers may choose between a Tort or no-fault insurance policy

An old, diverse, historic East Coast city, Philadelphia has a neighborhood for everyone to feel at home, no matter the race, class or religion of its inhabitants.

Known as the City of Brotherly Love, Philadelphia is filled with passionate people who don’t take any nonsense from anyone.

Driving in the city has its own logic – you are more likely to get in an accident if you are overly cautious and slow to move than if you go with the flow of traffic, even if everyone seems like they’re in a rush.

Due to its class diversity, crime rates, historic streets and unique character, it is important to be aware of the city’s insurance laws, driving statistics and average rates before you choose your provider.

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Requirements for Philadelphia Car Insurance

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The minimum coverage requirements for Philadelphia drivers are:

  • $15,000/$30,000 Bodily Injury Liability Coverage
  • $5,000 Property Damage Liability Coverage
  • $5,000 PIP Medical Coverage

Your car insurance provider will know these requirements and will always offer you a policy that fulfills at least these.

However, there are possibilities for additional coverage if you are concerned about damages to your car in Philadelphia such as:

  • Uninsured motorist coverage – ensures that you will be adequately compensated if you sign up for a Tort policy and someone hits you, is at fault, and doesn’t have insurance
  • Comprehensive coverage – covers damage to your car as a result of theft, vandalism, harsh weather or other acts of God

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Laws and Regulations for Philadelphia Insurance

All drivers in the city of Philadelphia are required by law to hold at least the minimum amount of required state coverage.

Failure to do so is a civil infraction that may lead to a 90-day suspension of your driver’s license and vehicle registration.

Following this suspension, you are required to present proof of insurance to get your license and registration back.

You should keep a copy of your proof of insurance in the car with you at all times.

If you get into an accident or if a police officer pulls you over, you will be required to show it along with your license and registration.

Philadelphia is located in Pennsylvania, which is a Choice No-Fault state. This means that you can decide whether you want to sign up for a No-Fault insurance policy or a Tort insurance policy.

If you do not make this choice when you sign up for your insurance, a Tort policy is the default.

How to Decide Between Tort and No-Fault Insurance

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In order to make an informed decision, you need to know why you might choose Tort or No-Fault.

The main difference between the two lies in how they establish blame for accidents and subsequent liability for damages.

When you sign up for a Tort policy, a court decides who is to blame for your accidents. The insurance company of the person at fault pays for everybody’s damages, court costs, and medical bills.

With a No-Fault policy, your insurance company pays for your damages and bills. You are never liable for anybody else’s damages except in severe circumstances.

You also forfeit the opportunity to have someone else’s insurance company pay for your damages.

In the event that a no-fault driver is deemed responsible for an accident with a Tort plan, the Tort driver’s insurance company will have to pay the bills despite the lack of fault.

Pros and Cons of Tort and No-Fault

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Pros and Cons sign

– Tort Pros 

  • Don’t pay for accidents that you don’t cause
  • Legal incentives to be a good driver

– Tort Cons

  • Policies are often more expensive because they include the necessity for court costs
  • Tort drivers are more likely to commit insurance fraud
  • Legal system defaults to No-Fault drivers

– No-Fault Pros

  • Receive quick payments in the event of an accident without having to go to court
  • Often cheaper

– No-Fault Cons

  • If you get into an accident, your premiums go up, even if it isn’t your fault
  • Lack of punishment for at-fault drivers in an accident

Philadelphia drivers with No-Fault insurance policies may be vulnerable to a tort lawsuit if their potential negligence is ruled to have caused sufficient personal injury.

Liable injuries include but are not limited to death, permanent disability or disfigurement.

Statistics for Driving and Insuring a Car in Philadelphia

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Driving and car insurance accident statistics play a huge role in how car insurance companies put a price on your premiums.

Depending on the insurance company you use, this may lead to significantly higher insurance costs for men than for women.

Furthermore, depending on your county of residence around Philadelphia, you may need to pay more for your insurance coverage.

Insurance Companies of Philadelphia

There are many different Philadelphia car insurance companies for your to choose from. These include:

Each insurance company uses different algorithms to determine your premium rates. You should always shop around and compare policies before settling on one car insurance company.

You are required to have car insurance by law, so you might as well choose the insurance company that provides you with everything you need for the cheapest price.

Use our website to compare Philadelphia car insurance quotes today! Don’t wait any longer! Enter your ZIP code and find cheap car insurance for FREE!

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