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Cheap Car Insurance in Philadelphia, Pennsylvania

Looking to learn more about cheap car insurance in Philadelphia and how to acquire it? In Pennsylvania, the minimum coverage for car insurance includes: medical benefits ($5,000), bodily injury liability ($15,000/$30,000), and property damage liability ($5,000).

Philadelphia is the largest city in Pennsylvania and one of the oldest cities in the United States. Traffic jams, tight city streets and strict parking enforcement have made the city infamous to native drivers and tourists alike. Over 9 million licensed drivers crowd the streets of Pennsylvania making insurance a necessity for anyone looking to drive in Philadelphia.

Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance quotes in Philadelphia. Let us compare multiple auto insurance quotes for you now!

Driving Conditions in Philadelphia

Gridlocked traffic on Interstate 76, known as the Schuylkill Expressway to locals, makes both the morning and evening rush hours difficult for commuters. Navigating the downtown area of the city may be difficult for people who are unfamiliar with the area because of one-way streets and exit-only lanes that appear in both the right and left lanes.

Philadelphia Crime Statistics

The crime statistics related to vehicles and driving that are listed below have been sourced from 2019 data provided by the FBI and 2019 data provided by the Pennsylvania Department of Motor Vehicles.

  • Auto Thefts: There were 12,390 auto thefts in the state of Pennsylvania in 2019. This means that there were 9.6 auto thefts per 1,000 residents.
  • Property Crime: There were 179,665 property crimes in Pennsylvania in 2019. This means that there were 14 property crimes per 1,000 residents.
  • Drunk Driving: There were 28 DUI-related deaths in Philadelphia in 2019.
  • Crash Statistics: There were 11,120 total vehicle crashes in Philadelphia in 2019.

Philadelphia Vehicle and Driving Safety Requirements

According to the Pennsylvania Department of Transportation, drivers in Pennsylvania are not permitted to text. As reported by The Philadelphia Inquirer, the distracted driving laws in the state ban texting and allow police officers to pull over and cite anyone who is texting. However, there are no state bans on using a cell phone to talk while driving. Philadelphia is one of the cities in the state that prohibits all cell phone use by drivers, so it is important for drivers to use a hands-free set while driving within city limits. Motorcyclists who are either under the age of 21 or have held a motorcycle license for less than two years must wear a helmet. Seat belts are required for drivers, passengers in the front seat and anyone under the age of 18.

Impaired Driving Laws in Philadelphia

The Pennsylvania Department of Transportation advises drivers that driving with a blood alcohol content (BAC) level above .08 is considered to be driving under the influence. License suspension, fines and probation or jail time could be assessed as the result of a DUI.

– First-time Offense

  • $300 fine
  • Probation of up to six months
  • Mandatory driving school

– Second-time Offense

  • Fine from $300 up to $2,500
  • Jail time of 5 days up to 6 months
  • 12-month license suspension
  • 1 year ignition lock

– Third-time Offense

  • Fine of $500 up to $5,000
  • Jail time of 10 days up to 2 years.

Offenders with a BAC level over .10 face more serious consequences. 

Having car insurance is not only helpful but also required by law in Philadelphia. For free car insurance quotes and to see comparable coverage rates, fill out the form on this page. At Cheap Car Insurance, we work hard to help you find and compare the cheapest auto insurance quotes in PA.

 
 

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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