Philadelphia car insurance

Get your car insurance in Philadelphia 

Need auto insurance in Philadelphia? Get a quote, bind your policy, and get on the road in minutes. You can even share your driving data to possibly get a lower rate. 

Easily manage your policy in the Root app, where you can view insurance cards, file a claim, and make changes to your coverages.

Philadelphia auto insurance coverage

If you own a car and drive in Pennsylvania, you're required to purchase auto insurance and meet certain minimum coverage amounts. Pennsylvania requires that all drivers purchase auto insurance with Liability coverage and no fault insurance (also called medical) from a company authorized to do business in the state of Pennsylvania. Minimum coverage requirements include:

Minimum required Liability coverage:

• $15,000 for Bodily Injury (per person, per accident)

• $30,000 total for Bodily Injury (per accident)

• $5,000 for Property Damage

Required medical coverage:

You will get to choose between two options when purchasing medical coverage.

• Limited right to sue—allows you to sue only for all medical costs (not pain and suffering, unless the injury is severe) that result from a car accident. This option is cheaper for car insurance in PA.

• Full tort right to sue—allows you to sue for both medical costs and pain and suffering, with unrestricted rights. This option raises your insurance premium and will be more expensive than the first option.

You may want to consider purchasing more than the absolute minimum amount of coverage—while it may raise your monthly premium, higher coverage levels mean that you’re better protected in the event of an accident.

While Pennsylvania doesn’t have any requirements concerning Comprehensive, Collision, or other coverages, consider how much you could afford to pay for repairs if your car was damaged. Purchasing additional insurance coverage can save you a significant amount of money if you get into an accident or if something happens to your car. For example, Collision insurance can help you pay for repair costs after a fender bender, and Comprehensive insurance can help you save money if an expensive part is stolen from your car. Types of additional insurance coverage you should consider include:

• Comprehensive 

• Collision 

• Medical Payments

• Rental Car 

• Roadside Assistance

If you’re stopped for a traffic violation or after an accident, Pennsylvania requires that you provide proof of insurance. The good news is that Pennsylvania accepts evidence of insurance presented on a cell phone, so you can pull up your insurance cards quickly and easily in Root’s mobile app.

Philadelphia car insurance cost and quote

The average driver in Philadelphia pays $1,028 per year for car insurance. But like major cities across the country, Philadelphia insurance costs are often much higher than the rest of the state. 

While auto insurance rates are often high in Philadelphia, that doesn’t have to be the case. After you get on the road with Root, you can share your driving data to potentially unlock much lower rates with Root than with other auto insurance companies just by being a safe and responsible driver.

By sharing your driving data, Root could save you up to $1,300 a year on car insurance. Start by getting a quote now.