Philadelphia Car Insurance (PA)

Philadelphia, Pennsylvania car insurance rates are well above the US average, second only to Detroit, Michigan. With a population of 1.5 million people, Philadelphia is 23rd on the list of cities in the US for the amount of traffic congestion.  Residents of the city of brotherly love commute an average of thirty minutes to work each day, with drivers spending about 22 hours per year sitting in traffic.  All of this time sitting around causes more than $1,871,000 in road repair costs for taxpayers and an average of $390 per person to maintain their vehicles.

Lots of cars on the road mean lots of accidents.  More than 300 accidents with fatalities were reported over a two-year period in Philadelphia, which calculates out to be 2.2 deadly accidents per 10,000 people.  This is actually lower than the national average, but it’s high enough that car insurance agencies are taking notice and the auto insurance premiums reflect it.

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Car Insurance Requirements in Philadelphia (PA)

Pennsylvania is considered a no-fault state, with minimum car insurance requirements of $15,000 per person liability coverage and $30,000 per accident. There is a property damage liability minimum of $5,000, and at least $5,000 in medical personal liability coverage for yourself and passengers in your vehicle.  In Pennsylvania, you are also required to have uninsured motorist coverage.  These are state minimums that all Philadelphia insured drivers must have, but it may be necessary to carry higher limits and additional insurance coverage depending on your specific needs.

Pennsylvania actually allows drivers to choose whether they want to be insured under the no-fault policy or the torte system.  If drivers choose the no fault system, they are required to have car insurance to protect themselves, but also have limitations on their ability to sue another driver for damages in an accident. No fault insurance is usually called “personal injury protection” or PIP.

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