Philadelphia Car Insurance

The City of Brother Love was the nation's capital from 1775 until 1789. Now, Philadelphia is a bustling metropolis and home to almost 1.5 million people, making it the fifth most populated city in the United States.

For those who live in Philadelphia and commute to work everyday, most will spend a little over half an hour in the car. All this time spent in traffic makes Philadelphia number 23 in the country for traffic congestion. In total, the city loses about 105,525 hours every year to sitting in traffic, which breaks down to about 22 hours per driver. Taxpayers end up spending more than $1,871,000 to pay for associated costs like road repair, while drivers take an extra $389 out of their pocket every year to pay for things like car maintenance and upkeep.

All these cars on the road means that more car accidents occur. Over a two year period, more than 330 accidents that resulted in fatalities were reported in Philadelphia. This is a lower rate than the national average, at 2.2 deadly accidents per 10,000 people, but it still has car insurance companies concerned.

Additionally, Philadelphia comes in 129th in nation for car thefts. More than 19,770 cars were reported stolen in 2005 alone.

All of this adds up to higher car insurance premiums. You will find that Philadelphians pay more for their auto insurance than do those who live in more rural parts of the state.

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Car Insurance Polices in Philadelphia, PA

Pennsylvania is a no-fault state. The required coverage for all drivers includes:

Liability coverage - 15/30/5, or a minimum of $15,000 per person up to $30,000 per accident plus a property damage liability minimum of $5,000.
Medical personal liability - At least $5,000 in coverage for yourself and your passengers.
Uninsured motorist coverage

Remember, these are only the minimum requirements according to Pennsylvania law. When you live in Philadelphia, remember that you are far more likely to have an accident than if you lived outside the city limits. Even a little fender bender can result in a costly claim. It's far better to make sure that you're covered ahead of time than to have to find the money in a pinch.

PennDOT Photo & Exam Center
1108 Market St
Philadelphia, PA 19107

Get a free Philadelphia auto insurance quote from Esurance today!! >>

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