Philadelphia Car Insurance - Pennsylvania

Enter your zip code below to view companies that have cheap auto insurance rates.

Philadelphia is regarded as special because of the fact that it is a melting pot of nationalities and cultures. Nothing can be more thrilling and interesting than the city as it consists of residents that are white (41.6%), African American (42.6%), Asian (7.1%), and Native Americans and Alaskans (0.4%). But that's not it - in this city located in Pennsylvania there are also those of other races (5.6%) as well as bi- or multi-racial persons (2.8%).

The more car owners are around, the higher the vehicle insurance monthly premiums are. It's for the fact that the chance of having a car-related accident is more possible. That is why in Philadelphia where the estimated municipal population counts 1580860 - that's 4547 persons per square kilometer! - it is very much likely for auto insurance monthly rates to be high.

But fret not because shopping around allows you to find a auto insurance company whose monthly premiums won't put your budget in shambles. Provide enough of your energy and time (which employs America/New_York time zone, by the way) to locating a vehicle insurance company offering policies that won't exhaust your savings.

Getting your hands on vehicle insurance that meets the minimum insurance requirements is a great idea. This is a much better option than not purchasing car insurance at all just for the sake of scrimping on money. If truth be told, having no car insurance is not only against the law but also something that can easily leave you penniless just in case you encounter a vehicular accident in which you are the one who's clearly at fault!

If you crash your auto into a family vehicle and everybody inside it ends up injured, you will have to compensate every single one as a result of your negligence if you have no vehicle insurance. In Philadelphia, the usual size of families is 3.58 - that's how many individuals your own financial resources will need to take care of in case an accident strikes and you're the one accountable!

Refrain from supposing that it's just the treatment costs that you will need to pay for out of your own pocket. If one of the persons injured ends up unable to work, you will be the one who will shoulder the losses. To give you an idea on how harmful it's going to be on your resources, check this out: the median household profit in Philadelphia is $40649 and 17% of them take home at least $100,000!

Individuals are not the only ones you will have to take care of if you have no vehicle insurance and an accident happens, but properties as well. In Philadelphia, the rate of repairs of damaged properties does not come with inexpensive price tag. Up to 52.2% of families in the city own their houses, and as of 2017 the median value of these homes amount to $147636. Even rented residences are not inexpensive. For instance, in 2017 the median rent shelled out by renters is equivalent to $890.

Definitely, it's not all the time that you will be the one responsible for the auto accident. Someone has to be at fault, and in some situations it is the other party involved. Consider yourself lucky if the person who is at-fault has vehicle insurance or a job. But what if the other driver doesn't have car insurance or a source of profit? In the city, it is said that 11.3% of inhabitants are unemployed, based on a 2017 data. By the way, the same data says that 27% of residents have school degrees and 59.6% are in the labor force.

Do you want to keep your car insurance monthly premiums from getting sky-high? Well, there are actually many things that can be done to keep your wallet from experiencing the burden of having higher monthly rates. In fact, many of the steps that may be performed could leave you eligible to enjoy certain car insurance discounts.

For instance, you may have your auto equipped with some security features. Some usual examples include anti-lock brakes, daytime running lights, automatic seatbelts and side airbags.

There are also gadgets that you may install in your car to win the trust of the auto insurance company. These days, a lot of motorists who wouldn't want to risk it are getting their hands on dash cams and putting them in the center of their dashboards or affixing them to their rearview mirrors. You may also consider having a car GPS device which, by the way, will say -75.1339 (longitude) and 40.0077 (latitude) while you're driving in the city.

In Philadelphia where the median age is 34.1, purchasing car insurance is a definite must. This is true no matter if you're one of the 47.3% men or 52.7% females, or 29.6% married. For as long as you own and employ a vehicle it is highly recommended for you to purchase car insurance that will have your back just in case an accident happens.

Philadelphia Zipcodes

  • 19019
  • 19092
  • 19093
  • 19099
  • 19101
  • 19102
  • 19103
  • 19104
  • 19105
  • 19106
  • 19107
  • 19108
  • 19109
  • 19110
  • 19111
  • 19112
  • 19113
  • 19114
  • 19115
  • 19116
  • 19118
  • 19119
  • 19120
  • 19121
  • 19122
  • 19123
  • 19124
  • 19125
  • 19126
  • 19127
  • 19128
  • 19129
  • 19130
  • 19131
  • 19132
  • 19133
  • 19134
  • 19135
  • 19136
  • 19137
  • 19138
  • 19139
  • 19140
  • 19141
  • 19142
  • 19143
  • 19144
  • 19145
  • 19146
  • 19147
  • 19148
  • 19149
  • 19150
  • 19151
  • 19152
  • 19153
  • 19154
  • 19155
  • 19160
  • 19161
  • 19162
  • 19170
  • 19171
  • 19172
  • 19173
  • 19175
  • 19176
  • 19177
  • 19178
  • 19179
  • 19181
  • 19182
  • 19183
  • 19184
  • 19185
  • 19187
  • 19188
  • 19190
  • 19191
  • 19192
  • 19193
  • 19194
  • 19195
  • 19196
  • 19197
  • 19244
  • 19255

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $61
Homeowner $17
5-yr Accident Free $81
5-yr Claim Free $86
Paid in Full/EFT $47
Advance Quote $66
Online Quote $94

Compare Rates and Save

Find companies with the cheapest rates in your area

Discounts are estimated and may not be available from every company or in every state.

You May Also Enjoy These Articles

10 Ways to Avoid Invalidating Your Car Insurance
Types of Car Insurance Cover
Cheapest Car Insurance
10 Ways to Cut Car Insurance Costs
How Do I Make a Car Insurance Claim?
Dashcam Insurance Discount

Free Auto Insurance Rates:

X

Find companies with the cheapest rates in your area
Please select state and city to continue