Car insurance in Philadelphia, Pennsylvania [Rates + Comparison Guide]

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Philadelphia City Statistics  
Population 1,580,863
Density 11,702 people per square mile
Average Cost of Insurance in Philadelphia $9,302.74
Cheapest Car Insurance Company USAA
Road Conditions Poor: 43%
Mediocre: 28%
Fair: 11%
Good: 17%

Whether you’ve come to this great city to discover the history, the cheesesteaks, or to feel the brotherly love, one thing is for sure: You should make the best of it.

Philadelphia is home to 1.58 million people and is our nation’s fifth-largest city. Often called the birthplace of America, Philadelphia is where our founding fathers wrote and signed our Declaration of Independence from Great Britain in 1776.

With so many sites to see and things to do, we know the streets are filled with taxis, pedestrians, city buses, and all makes and models of vehicles. With such a long, storied history, some neighborhoods feature old, narrow streets with cobblestones, which, in turn, can make driving hazardous. Accidents can and do happen, all of which can make your car insurance rates go up.

In this comprehensive guide, we’re going to show you rates, company comparisons, and other specific factors that make Philadelphia a city of champions.

Cue Rocky:

Want to start comparison shopping today? You can take advantage of our FREE online tool to start comparing rates in your area.

Let’s get started.

Table of Contents

The Cost of Car Insurance in Philadelphia

The average cost of car insurance in Philadelphia is over $9,300 per year. We know, that’s a lot of cheesesteaks. No matter whether you get them from Pat’s or Geno’s, there are ways to save money on your car insurance.

Car insurance rates are based on many factors, including your age, marital status, and whether you live in Kensington or closer to Center City.

In this section, we’re going to show you specific rates on what folks pay for their car insurance in Philadelphia based on some of these factors. Of course, these rates are average, and your rates can be higher or lower, depending upon your circumstances.

– Male vs. Female vs. Age

Age plays a significant role when it comes to the cost of car insurance. Not only do people 55+ get discounts on everything from food to hotels, but they also pay less for car insurance.

Not so for young drivers, especially male teen drivers who pay more for their car insurance than any other demographic. The good news is that Pennsylvania does not allow insurers to consider gender when calculating rates. Excluding seven states (CA, HI, MA, MT, PA, NC, and parts of MI), insurance rates differ by gender across the country.

According to DataUSA, the mean age in Philadelphia is 34.4 years.

Let’s review the average rates charged by insurance companies in Philadelphia for different age groups.

Age 17 25 35 60
Philadelphia $17,201.53 $4,779.13 $4,092.17 $3,856.53

As the data shows, as drivers mature, their rates decrease over time by thousands of dollars.

Since we’re talking about the city of brotherly love, it’s not surprising that marital status plays a significant role in determining car insurance rates. Considering popping the question? Make sure you let your insurance provider know they said yes, and see if it will impact the price you pay for your car insurance.

Check out the table below to see how your rates compare.

Demographic Rate (Cheapest)
Married 60-year old $3,856.53
Married 35-year old $4,092.18
Single 25-year old $4,779.14
Single 17-year old $17,201.54
Average $7,482.34

As we mentioned previously, teen and young drivers pay thousands more than mature drivers.

– Cheapest Zip Codes in Philadelphia

Where you live in Philadelphia can also impact how much you pay for car insurance.

Cue Will:

Who doesn’t love The Prince of Bel Air? But in all seriousness, large metropolitan areas have certain areas plagued with poverty, crime and decay. If you live in those neighborhoods, you can pay more for your car insurance.

Check out the table below to see how much you pay for car insurance based upon where you reside.

Zip code Average
Annual Rate
19113 $7,230.41
19128 $7,971.25
19118 $8,015.18
19127 $8,067.84
19154 $8,305.29
19114 $8,418.71
19129 $8,567.87
19116 $8,681.96
19119 $8,717.53
19137 $8,731.85
19152 $8,761.68
19102 $8,771.34
19136 $8,797.21
19115 $8,865.96
19111 $8,957.91
19106 $9,023.19
19149 $9,043.03
19130 $9,125.87
19103 $9,148.09
19150 $9,169.50
19151 $9,178.22
19135 $9,194.67
19107 $9,241.41
19110 $9,248.59
19123 $9,298.94
19146 $9,337.55
19144 $9,362.74
19109 $9,392.81
19147 $9,428.07
19148 $9,508.89
19131 $9,539.80
19190 $9,564.29
19104 $9,581.50
19138 $9,631.63
19134 $9,650.55
19124 $9,672.32
19126 $9,681.59
19153 $9,685.55
19125 $9,719.20
19145 $9,771.21
19120 $9,780.21
19141 $9,793.33
19112 $10,086.22
19122 $10,186.97
19143 $10,219.59
19121 $10,283.48
19139 $10,358.57
19140 $10,370.26
19142 $10,372.77
19132 $10,446.90
19133 $10,480.35

Residents in the Fairhill neighborhood pay the most for their car insurance with yearly rates of over $10,400 per year.

– What’s the best car insurance company in Philadelphia?

Who is the best car insurance company in Philadelphia? The word best can mean different things to different people. In the sections below, we’ll explain what’s considered best, in various categories, to see if it can help you save on your car insurance.

– Cheapest Car Insurance Rates by Company

We’re all looking for cheap car insurance. But, we’re also looking for the best cheap car insurance. All of the top providers are licensed in Philadelphia, so some of the following scenarios may apply to you.

Company Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male Average
USAA $1,873.20 $1,873.20 $1,696.36 $1,696.36 $5,737.15 $5,737.15 $2,509.52 $2,509.52 $2,954.06
GEICO $3,659.99 $3,154.47 $3,597.48 $3,100.88 $8,992.37 $7,789.85 $3,584.35 $3,089.58 $4,621.12
State Farm $2,999.54 $2,999.54 $2,671.30 $2,671.30 $10,223.02 $10,223.02 $3,322.46 $3,322.46 $4,804.08
Nationwide $3,487.69 $3,487.69 $3,321.34 $3,321.34 $9,294.93 $9,294.93 $3,880.78 $3,880.78 $4,996.19
Allstate $4,534.62 $4,534.62 $4,251.22 $4,251.22 $15,830.38 $15,830.38 $4,920.02 $4,920.02 $7,384.06
Progressive $4,869.14 $4,869.14 $4,389.55 $4,389.55 $14,597.00 $14,597.00 $5,880.20 $5,880.20 $7,433.97
Liberty Mutual $8,295.78 $8,295.78 $7,619.34 $7,619.34 $23,772.74 $23,772.74 $10,467.69 $10,467.69 $12,538.89
Travelers $3,270.16 $3,270.16 $3,553.91 $3,553.91 $49,765.94 $49,765.94 $3,915.43 $3,915.43 $15,126.36

As we mentioned previously, age has its benefits, and you can see why in the chart: married couples, age 60, enjoy the lowest rates on car insurance. Conversely, single teen drivers pay thousands more than those with the same driving record. Be sure and talk to your insurance provider, especially if you are paying more for your car insurance than the rates listed here.

– Best Car Insurance for Commute Rates

In Pennsylvania, according to the Federal Highway Administration drivers average more than 11,203 miles driven each year. How far do you commute? Did you know your daily commute has an impact on your car insurance rate?

We teamed up with Quadrant Data Solutions to understand the impact of an above-average commute on your insurance. Check out the chart below to see how your commute stacks up against what others pay.

Company 10 miles commute / 6,000 annual mileage 25 miles commute / 12,000 annual mileage Average
USAA $2,867.82 $3,040.30 $2,954.06
GEICO $4,547.62 $4,694.62 $4,621.12
State Farm $4,648.40 $4,959.76 $4,804.08
Nationwide $4,996.18 $4,996.18 $4,996.18
Allstate $7,221.19 $7,546.93 $7,384.06
Progressive $7,433.97 $7,433.97 $7,433.97
Liberty Mutual $12,223.66 $12,854.12 $12,538.89
Travelers $15,126.36 $15,126.36 $15,126.36

Less than $500 separate top providers Nationwide, Geico, and State Farm when it comes to a short commute. However, Nationwide, Progressive, and Travelers insurance remain the same for short or long commutes.

– Best Car Insurance for Coverage Level Rates

You might think that having the lowest minimum coverage in Philadelphia is the best way to ensure you and your family are protected. But that’s not necessarily the case, because sometimes the difference in low to high coverage is less than you think.

Check out the table below to see the differences in coverage.

Group Low Medium High Average
USAA $2,686.69 $2,987.59 $3,187.90 $2,954.06
GEICO $3,945.98 $4,670.50 $5,246.88 $4,621.12
State Farm $4,417.09 $4,881.11 $5,114.04 $4,804.08
Nationwide $4,876.19 $5,060.43 $5,051.93 $4,996.18
Allstate $6,663.27 $7,468.23 $8,020.68 $7,384.06
Progressive $6,400.45 $7,453.60 $8,447.87 $7,433.97
Liberty Mutual $11,792.43 $12,648.26 $13,175.96 $12,538.88
Travelers $14,699.01 $15,177.09 $15,502.99 $15,126.36

If you’re a customer with Nationwide, it’s good news because there’s only a $150 difference between low and high coverage. However, the news isn’t so good if you’re a Progressive customer because their rates are more than $2,000 higher between low to high coverage.

You might ask, what is high or low coverage?

Low coverage is the state-mandated minimum coverage required to drive legally in Pennsylvania.

The minimum auto insurance coverage required in Pennsylvania is:

  • Bodily Injury Liability – $15,000 for one person and $30,000 per accident
  • Property Damage Liability – $5,000 per accident
  • Medical Benefits – $5,000 medical coverage for you and others covered by your policy

However, you should consider adding important coverages for increased protection.

For high coverage, you can consider increasing your liability limits and opting for the following relevant coverages:

– Best Car Insurance for Credit History Rates

You’ve seen all of the commercials to check your score, but have you ever wondered why?

Try not to sing along:

Besides not being able to secure a car loan or a mortgage, poor credit can also have an impact on how much you pay for car insurance. The table below reflects what you’ll pay for car insurance if you have good, fair, or poor credit. Of course, these are estimates, and your rates may be different based on your situation.

Company Good Fair Poor Average
USAA $2,393.33 $2,724.60 $3,744.26 $2,954.06
GEICO $2,986.78 $3,893.08 $6,983.51 $4,621.12
State Farm $3,356.18 $4,239.43 $6,816.64 $4,804.08
Nationwide $4,279.62 $4,814.49 $5,894.45 $4,996.19
Allstate $5,638.55 $7,048.60 $9,465.03 $7,384.06
Progressive $5,513.16 $6,909.76 $9,879.00 $7,433.97
Liberty Mutual $10,176.47 $11,494.99 $15,945.20 $12,538.89
Travelers $13,999.55 $14,869.14 $16,510.40 $15,126.36

The average credit score in the U.S. is 675. If your credit score is lower than this, you may face increased rates on car insurance. In some states, poor credit can raise your rates by thousands of dollars. If your insurance provider is Liberty Mutual and you have poor credit, your rates can be $5,400 more than someone with good credit.

Customers with Nationwide can expect to save $2,600 based on their credit score.

– Best Car Insurance for Driving Record Rates

If you get a speeding ticket, have an accident, or get a DUI, your rates will probably increase in most situations.

The table below shows rates with these three violations compared to the rate for a clean record.

Company Clean record With 1 speeding violation With 1 accident With 1 DUI Average
USAA $2,362.27 $2,646.58 $3,288.44 $3,518.96 $3,056.56
GEICO $3,356.70 $4,667.79 $5,913.58 $4,546.42 $4,605.57
State Farm $4,373.72 $4,804.08 $5,234.44 $4,804.08 $4,804.08
Nationwide $3,654.90 $4,822.52 $4,841.23 $6,666.09 $5,054.07
Allstate $7,045.78 $7,045.78 $8,398.88 $7,045.78 $7,496.81
Progressive $6,727.17 $6,778.57 $9,240.42 $6,989.74 $7,652.44
Liberty Mutual $11,444.01 $12,800.78 $13,109.97 $12,800.78 $12,451.59
Travelers $10,688.46 $15,238.90 $15,238.90 $19,339.18 $15,088.85

Having one too many can not only land you in jail, but it can cost you thousands on your car insurance. For example, a DUI will increase your rates by $8,500 if you have car insurance through Travelers. Your rates will vary, and we encourage you never to drink and drive.

– Car Insurance Factors in Philadelphia

Car insurance rates are not based solely on driver-specific factors which we’ve mentioned above. Rates are also calculated on city-specific factors such as your zip code, economic prosperity in your city, and average income levels.

In this section, we’ll discuss how these external factors influence your car insurance rates in Philadelphia.

– Metro Report – Growth & Prosperity

According to Brookings, the Philadelphia metro area is the fifth-largest commercial center in the country. The Gross Metropolitan Product of the Philadelphia metro area in 2017 was $444 billion. The city is 38th in growth and 44th in prosperity out of the largest 100 metro areas in the country. The metro area of Philly has registered steady job growth over the past few years.

Growth: (38th)

Jobs: +1.4 percent (51st of 100)

Gross metropolitan product (GMP): +2.4 percent (44th of 100)

Jobs at young firms: +7.1 percent (18th of 100)

Although the city has experienced steady growth in the number of jobs, it lags behind the national average. The average annual wage also has remained constant over the assessment period.

Prosperity: (44th)

Productivity: +1 percent (47th of 100)

Standard of living: +2.1 percent (24th of 100)

Average annual wage: +0.6 percent (70th of 100)

– Median Household Income

According to DataUSA, the median household income of Philadelphia is only $39,759, whereas the national median household income is $60,336. If you consider the Philadelphia metro area, the median household income increases to $68,652.

Philadelphia car insurance rates

The average annual premium in Philadelphia is $9,302, which means that an average resident spends 23 percent of their annual income on car insurance. Moreover, if you consider the metro area, the residents pay around 13 percent of yearly income.

To calculate how much of your income is going toward car insurance, you can use our free calculator.

CalculatorPro

– Homeownership in Philadelphia

Owning your own home is a dream many of us have and may impact what rates you pay for insurance. Homeownership indicates the general health of the local economies and insurers usually consider it to be a good indicator of your financial stability.

Being a homeowner won’t directly impact your auto insurance rates or your ability to qualify for a plan. But there may be additional discounts you are eligible for so be sure and check with your provider.

In Philadelphia, the average property value is $166,200, whereas the national average is $193,500. While property in the city is cheaper than the national average, property in the metro area ($240,700) is slightly more expensive, than the national average.

– Education in Philadelphia

There are more than 80 degree-granting colleges and universities in the city of Philadelphia, making it the highest in the nation for higher education options. The region around Philadelphia is also home to six medical schools, which, in turn, produce 20 percent of the country’s doctors.

According to the number of degrees conferred, the top three universities in Philadelphia are:

If a four-year degree isn’t something you’re searching for, there are 12 community colleges within 40 miles of Philadelphia which offer two-year degrees as well as technical certificates and diplomas in many different fields.

– Wage by Race & Ethnicity in Common Jobs

According to DataUSA, Asians were the highest-paid ethnicity in Philadelphia.

The following chart shows the break down of wages by common job types.

Philadelphia wage by ethnicity

– Wage by Gender in Common Jobs

For every dollar a man earns, a woman earns just 79 cents. Although the wage gap is closing among male and female workers, there is still room for improvement.

In Philadelphia, insurers cannot offer varying insurance rates based on gender. However, due to the wage gap, females have to shell out a more significant percentage of their income towards car insurance.

According to DataUSA, the average male salary in Philadelphia is $68,603, while the average female wage is $51,375.

The following chart shows the wage gap across professions in Philadelphia:

Wage by gender in Philadelphia

Based on the wages mentioned above, we can calculate the percentage of income that you would have to shell to maintain car insurance in Philadelphia.

OCCUPATION PREMIUM AS A % OF INCOME (MALE) PREMIUM AS A % OF INCOME (FEMALE)
Miscellaneous managers 8.5 11.4
Registered nurses 11.6 13.8
Elementary & middle school teachers 14.1 16.1

Professional females have to shell out a higher percentage of their income no matter which profession they’re in, which can affect their ability to pay high car insurance rates.

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– Poverty by Age and Gender

In Philadelphia, 25.8 percent of the city’s population lives below the poverty line, whereas the national average is 13.4 percent.

Females, aged 18-34 are the largest demographic living below the poverty line, while males in the same age group face similar challenges.

Take a look at the following chart to understand how poverty is affecting people across age groups and gender:

Philly poverty by age and gender

– Poverty by Race & Ethnicity

Another eye-opening statistic of poverty in Philadelphia is that 41 percent of people living below the poverty line are blacks. That is about equal to the combined number of White and Hispanic people living below the poverty line.

Philadelphia poverty by race

– Employment by Occupations

Philadelphia employs more than 670,000 people across different industries. The largest employers in the city are education, healthcare, and retail.

The following chart shows the most common jobs in Philadelphia:

Philadelphia employment

Driving in Philadelphia

We’ve mentioned that your driving record, credit score, education level, and other factors contribute to what you pay for car insurance. But insurance companies also base rates on the car your drive, traffic congestion in your area, road conditions, crime report, and so much more.

– Roads in Philadelphia

With a city as large as Philadelphia, there are bound to be certain roads that are confusing and disorienting if you’re new to the city. Your GPS wants you to turn left, but somehow, you’ve managed to turn into a dead-end street, and your device goes into “recalculating mode.”

In this section, we’ll cover the highways and interstates and help you calculate which way you need to go so you’ll never make another wrong turn.

– Major Highways in Philadelphia

Philadelphia is mid-way between New York and Washington D.C. which makes it easy to travel anywhere on the east coast. The city is connected through I-95, I-76, Pennsylvania turnpike, and New Jersey Turnpike.

Here’s the map of interstates and highways connecting Philadelphia:

Philly highway map

Unless you’ve lived in Philadelphia your entire life, you may be confused as to what the locals call some of the expressways. For example, if someone says:

“Turn left at Geno’s and head toward the Bell, then look for it behind Rocky,” you might get lost.

Here are the major highways and interstates cross-referenced with expressway names in the Philadelphia area:

  • Schuylkill Expressway: I-76
  • Delaware Expressway: I-95
  • Pennsylvania Turnpike: I-276
  • Mid-County Expressway / PA Turnpike Northeast Extension: I-476
  • Vine Street Expressway: I-676
  • Interstate 295
  • Roosevelt Expressway: US 1

– Popular Road Trips/Sites

We’ve mentioned historical sites in Philadelphia, as well as the famous scene from Rocky, but what else is there to do?

Let’s find out.

Here’s a list of five things to do in Philadelphia that aren’t entirely as well known:

  1. The world’s largest pizza memorabilia collection
  2. Smith Memorial Arch’s Whispering Benches
  3. The Stoogeum
  4. The Franklin Institute
  5. Philadelphia Insectarium and Butterfly Pavilion

In Philadelphia, there’s something for everyone to love. No wonder it’s called the City of Brotherly Love.

– Road Conditions in Philadelphia

.According to TRIP, a national transportation research group, around 70 percent of roads in Philadelphia are either in mediocre or poor condition.

Road Condition Poor Mediocre Fair Good
Philadelphia 28% 35% 14% 22%

The road conditions in the city result in added wear and tear on your car. Potholes can cause accidents or a tire puncture, suspension damage, wheel rim damage, and other damage. Folks in Philadelphia spend $732 every year to maintain their cars, which ranks them 143 in the nation. The San Francisco/Oakland area ranks first with yearly vehicle maintenance fees of $1,049.

This video explains more:

– Does Philadelphia use speeding or red light cameras?

Running a red light is dangerous — it puts, pedestrians, and other drivers in harm’s way.

Philadelphia currently uses both red light and speed cameras. However, speed cameras are now being tested and only applicable in work zones.

The city has installed red-light cameras in 31 locations in Philadelphia. You can see the position of various red-light cameras in the following map:

In 2019, the city started a pilot program to implement speed cameras along the 12 miles of Roosevelt Boulevard. The cameras are only expected to issue citations when workers are present in the work zone.

Philly red light location

In 2019, the city started a pilot program to implement speed cameras along the 12 miles of Roosevelt Boulevard. The cameras are only expected to issue citations when workers are in the work zone.

The pilot program is part of a broad plan of achieving zero traffic deaths in the city by 2030.

– Vehicles in Philadelphia

Your insurance rate is also dependent on vehicular factors such as what car you drive and if it is in the theft list. In this section, we will cover these topics and more.

– Vehicles Most Popular Vehicles Owned

According to Your Mechanic, the most popular car in Philadelphia is the Nissan Maxima. The Maxima is the full-sized sedan offered by Nissan in the North American market.

The current generation Nissan Maxima is awarded a five-star safety rating by the National Highway Traffic Safety Administration.

The Maxima gets good gas mileage with a rating of 20 city / 30 highway miles per gallon. However, another category that Your Mechanic looks at is cities with vehicles which have V8 engines or higher. These cars with higher cylinder engines aren’t as fuel-efficient as smaller engines do, and Philadelphia ranks 61st on the list.

– How many cars per household

As many large cities do, Philadelphia has a large and well-developed transit system which is utilized daily by thousands of commuters. But this doesn’t mean that everyone takes the bus. In fact, more than 40 percent of households in Philadelphia own one car. This is still below the national average of two cars per household.

– Households without a Car

In 2015, around 31 percent of households owned no car in Philadelphia. The low ownership of cars is due to the excellent transportation network, road congestion, and lower annual income.

– Speedtraps in Philadelphia

You should always obey posted speed limits as it protects you and others around you. It can also prevent you from getting a ticket.

Law enforcement in Philidelphia has several speed traps around the city. Additionally, the city is planning to install speed cameras around the city by the end of 2019.

– Vehicle Theft in Philadelphia

According to the FBI,  5483 vehicle thefts occurred in Philadelphia in 2017. When considering your next car purchase, one thing to consider is that certain vehicles are stolen more frequently, and thus, may have higher insurance rates.

Philadelphia has one of the highest crime rates in the country. The crime index is 90 out of 100, which means that 90 percent of other cities in the nation is safer than the city of brotherly love.

You have a one in 106 chance of becoming a victim of violent crime, while the statewide average is one in 319.

The chart below tells more about specific crimes in the city:

  MURDER RAPE ROBBERY ASSAULT
PHILADELPHIA VIOLENT CRIMES RATES per 1,000 0.2 0.75 3.81 4.69
UNITED STATES VIOLENT CRIMES RATES per 1,000 0.05 0.42 0.98 2.49

However, you also have safe neighborhoods in the city that reduces the risk of becoming a victim:

  • Byberry Rd / Depue Ave
  • Chestnut Hill / Chestnut Hill College
  • Cherokee St / W Hartwell Ln
  • Germantown Ave / W Willow Grove Ave
  • Mount Airy
  • Old Line Rd / Ridge Ave
  • Ridge Ave / Flamingo St
  • Roseglen
  • Rhawn St / Rowland Ave
  • Stevens Rd / Byberry Rd

– Traffic in Philadelphia

Waiting. Stressing. Aggravation. We’ve all been there.

Traffic. It’s the worst.

– Traffic Congestion

Philadelphia is the ninth most congested city in the country and boasts three of the most congested expressways for trucks according to ATRI.

But the city is fighting back. This video explains how:

– Transportation

.According to DataUSA, the average commute time in Philadelphia is 31.7 minutes, which is higher than the national average of 25.5 minutes.

More than 26 percent of commuters spend more than 45 minutes in their daily commute.

As you see from the data, commuters in Philadelphia use public transit and carpooling to help fight traffic and congestion in the city.

– Busiest Highways

The major highways/expressways in Philadelphia are:

  • Schuylkill Expressway: I-76
  • Delaware Expressway: I-95
  • Pennsylvania Turnpike: I-276

However, according to the Federal Highway Administration, Philadelphia does not have a 10-12 lane highway system to manage the traffic flow better. Atlanta’s section of I-75 leads the way in this category with 15 combined lanes of northbound and southbound lanes.

– How safe are Philadelphia streets and roads?

.The state of Pennsylvania had 1,137 traffic fatalities in 2017. Philadelphia, which is the largest city in the state, accounted for 94 of those deaths.

The chart below shows various accident types, and how many occurred.

Crash Type 2013 2014 2015 2016 2017
Fatalities (All Crashes) 89 97 94 101 94
Fatalities in Crashes Involving an Alcohol-Impaired Driver 21 26 31 23 22
Single Vehicle Crash Fatalities 57 65 66 57 55
Fatalities in Crashes Involving a Large Truck by County for 2017 6 3 2 2 4
Fatalities in Crashes Involving Speeding 21 34 32 22 29
Fatalities in Crashes Involving an Intersection 27 41 35 50 37
Passenger Car Occupant Fatalities 24 31 28 29 24
Pedestrian Fatalities 36 38 26 43 37
Pedalcyclist Fatalities 0 3 7 3 2

The largest county in Pennsylvania is also named Philadelphia, and it led the way with 94 traffic-related fatalities in 2017.

Pennsylvania Counties by 2017 Ranking 2013 2014 2015 2016 2017
1. Philadelphia County 89 97 94 101 94
2. Allegheny County 65 59 54 72 67
3. Bucks County 44 44 56 52 51
4. Berks County 41 33 39 35 48
5. Montgomery County 40 38 34 32 43
6. Lancaster County 45 62 48 44 42
7. York County 44 45 40 39 38
8. Dauphin County 25 17 19 30 36
9. Westmoreland County 30 35 41 33 36
10. Chester County 33 34 35 24 35
Top Ten Counties 474 489 483 470 490
All Other Counties 735 706 717 718 647
All Counties 1,209 1,195 1,200 1,188 1,137

According to the U.S. Department of Transportation, Philadelphia County also saw many railway accidents.

Calendar Year County City Highway Highway User Type Highway User Speed Rail Equipment Type Non Suicide Fatality Non Suicide Injury
2012 PHILADELPHIA PHILADELPHIA DELAWARE AVENUE Automobile 0 Yard/Switch 0 0
2013 PHILADELPHIA PHILADELPHIA DELAWARE AVE EAST Automobile 50 Freight Train 0 0
2013 PHILADELPHIA PHILADELPHIA PRIVATE Automobile 3 Freight Train 0 0
2013 PHILADELPHIA PHILADELPHIA MILNOR & BLEIGH Automobile 25 Yard/Switch 0 1
2015 PHILADELPHIA PHILADELPHIA GREENWICH YARD Truck-trailer 5 Light Loco(s) 0 0
2015 PHILADELPHIA PHILADELPHIA MAIN STREET Pedestrian Freight Train 0 1
2016 PHILADELPHIA PHILADELPHIA 58TH ST Truck-trailer 5 Freight Train 0 0

– Allstate America’s Best Drivers Report

In 2018, Allstate created a list of the top cities where drivers are least likely to get into a car accident. Philadelphia didn’t do well, ranking 190th out of 200 cities.

Needless to say, more accidents equal more insurance claims, thus driving up premiums.

An average driver in Philly spends only 6.3 years between claims, whereas the national average is 10.6 years. The problem is also reflected in the higher (43.9 events per 1,000 miles) than average (national average of 19 events per 1,000 miles) hard-braking events in the country.

– Ridesharing

Maybe you’ve decided that owning a vehicle isn’t compatible with your lifestyle any longer, but you still need to get to work and other places. Check out this list of ridesharing companies in Philadelphia to keep you mobile:

  • Blacklane
  • Carmel
  • Curb
  • Jayride
  • Limos.com
  • Lyft
  • Taxi
  • Uber

– EStar Repair Shops

Has your car broken down and you’re not sure where to take it? Esurance created an E-star repair shop network that provides a list of reputable and top-quality repair shops near your location.

You can find the top 10 repair shops in Philly on their website.

– Weather in Philadelphia

It can get chilly in Philly. Temperatures during the winter months average in the 40s and residents can expect 23 inches of snow, on average.

During the summer months, temperatures range in the mid-80s, but higher temps have been recorded.

The number of disasters in Philadelphia County is 21, which is much higher than the national average of 13. The most common disasters listed are hurricanes, winter storms, floods, snowstorms, and tropical storms.

– Public Transit in Philadelphia

It’s easy to get around in Philadelphia when you use public transit. SEPTA operates a network of buses, subways, and commuter rails that is one of the most comprehensive systems in the country.

Watch this video to learn more:

The transit authority offers a reloadable card called Septa Key along with many types of passes.

– Alternate Transportation in Philadelphia

PennDOT does not allow e-bikes and e-scooters on roads and sidewalks in Philadelphia. However, there are steps underway to amend the law to enable folks in the city to utilize this alternate mode of transportation.

– Parking in Philadelphia

Don’t let this happen to you:

No one wants to get the boot. It’s just a big hassle. And it can be expensive in some location. Fortunately, Philadelphia has many ways to ensure you never end up on this television show.

You can use mobile applications to book parking ahead of time. The three most commonly used apps are:

There are thousands of metered parking spots that you can pay for using the meterUP App. You can find the locations on the website of the Philadelphia Parking Authority.

– Air Quality in Philadelphia

Many large cities have problems with pollution, and Philadelphia is no exception. The city’s Air Quality Index (AQI) was worse than the national average. Although the emergence of alternative and green vehicles has alleviated some of the problems. Traditional transportation contributes to air pollution by releasing particulate matter, volatile organic compounds, nitrogen oxide, and other such compounds.

The following chart measures AQI in the Philadelphia region.

Metro # DAYS WITH AQI Good Moderate UNHEALTHY FOR SENSITIVE GROUPS UNHEALTHY VERY UNHEALTHY
Philadelphia-Camden-Wilmington 365 132 214 16 3 -

Military/Veterans

Many insurance companies offer additional discounts to active duty military personnel, their extended families, and veterans. To all military personnel, we salute you and thank you for your service.

In this section, we will discuss the rates and discounts that the men and women in uniform can expect from insurance companies operating in Philadelphia.

In Philadelphia, the majority of military personnel and veterans have served in Vietnam and the Second Gulf War.

Philadelphia military

 

The closest military base to Philadelphia is McGuire-Dix-Lakehurst Base that jointly hosts the 87th Air Base Wing, 305th Air Mobility Wing, and the USAF Expeditionary Center.

If you are a veteran or in the military, the following providers offer military discounts:

  • Allstate
  • Esurance
  • GEICO
  • Liberty Mutual
  • Metlife
  • StateFarm
  • The General
  • USAA

See the following table for average rates you can expect from insurance companies in the state of Pennsylvania:

AVERAGE ANNUAL PREMIUM ($4034.50) HIGHER/LOWER (%)
Allstate $3984.12 -1.25
Geico $2605.22 -35.43
Liberty Mutual $6055.20 50.09
Nationwide $2800.37 -30.59
Progressive $4451.00 10.32
State Farm $2744.23 -31.98
Travelers $7842.47 94.39
USAA $1793.37 -55.55

Beside, USAA, which requires all policyholders to be military-affiliated, Geico, State Farm, and Nationwide provide the cheapest options for military personnel.

Unique Philadelphia Laws

Maybe you’re a life-long resident or just recently located. There may be some laws that you are unaware of including this unique Philadelphia law: It’s illegal to ride in a boat on a trailer while being pulled on the highway. To keep your insurance costs down and avoid a ticket, it’s probably best to stay in the car.

Here are some other laws that may help you navigate around the city:

– Food Trucks

We all love the cheesesteaks in Philly, so much, so that food trucks have become very popular in the city.

Setting up a food truck business in Philadelphia requires permits and licenses that can cost anywhere between $500-$1000. As a food truck vendor, you need to know about health codes and get certified in food safety. You also need a commissary where you clean, prepare, and store food.

However, one of the biggest challenges is to find parking for your food truck. You must be aware of the zoning laws to operate a food truck.

– Parking Laws

You can find metered parking in the city, or if you live or do business in a specified neighborhood, you can request a parking permit from the Philadelphia Parking Authority.

In the following table, you can see the fines for common parking violations:

Violation Fine
Blocking Driveway $51
Blocking Mass Transit Vehicle $101
Bus Zone $51
Blocking HP ramp $76
Handicapped space $301
On crosswalk $51
Sidewalk $51
Snow route $51
Taxi stand $31

– Handheld Device Laws

The use of handheld devices while driving in the city of Philadelphia is banned. You cannot use your handheld device to dial, talk, or text while driving in the city.

– Tiny Homes

Tiny homes could be the modern solution to homelessness and lack of affordability for some lower-income residents. The City of Philadelphia is welcoming the new concept in the hope that it will help residents find stable housing while addressing the city’s homelessness issue.

Philadelphia Car Insurance FAQs

We’ve covered a lot of ground in this comprehensive guide to car insurance in Philadelphia, but you may still have some questions. Our last section looks at some commonly asked questions about the great city of Philadelphia.

– Where are red-light cameras in Philadelphia? And how much is the red-light camera ticket?

You can find a list of currently operational red-light cameras on the Philadelphia Parking Authority’s website. The fine for red light tickets in $50.

– How much is car insurance in Philadelphia?

The average cost of car insurance in Philadelphia is $9,302.

– What is the minimum car insurance required in Philadelphia?

  • $5,000 for property liability coverage for a single accident
  • $15,000 for bodily injury a person involved in a crash caused by you
  • $30,000 for bodily injury two or more people in a crash

– Who offers the cheapest car insurance in the city?

If you are veteran or military personnel, USAA is the most economical insurance provider in Philadelphia. However, if you do not belong to the armed services, you can look seek quotes from Geico, State Farm, or Nationwide.

Do you want to start comparing car insurance rates today? Use our FREE online tool now. All you need is your zip code to get started.

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