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Best Car Insurance in Philadelphia, PA

by Sandi Pope ConsumerAffairs Research Team

Auto insurance is required for all drivers in Pennsylvania, but it also protects you from financial loss if you get in an accident or your vehicle is stolen. We researched the best car insurance in Philadelphia to help you find an affordable policy with the right amount of coverage.

Top 13 Philadelphia Car Insurance Companies

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There were 31,375 total crashes in Philadelphia, Montgomery, Bucks and Delaware counties in 2018, according to the Pennsylvania Department of Transportation. More than 54% of these crashes involved injuries or fatalities. There were also close to 6,000 reported auto thefts in Philadelphia in 2018, according to the Philadelphia Police Department.

Car insurance is essential to guard against financial loss after a crash, theft or other vehicle-related incident. All owners of vehicles registered in Pennsylvania must have auto insurance. Policies commonly have terms of six months to one year and required coverages (medical benefits, bodily injury liability and property damage liability), plus any optional coverage, such as collision, comprehensive, uninsured/underinsured motorist or roadside assistance.

Average car insurance cost in Philadelphia

The average annual cost of car insurance in Philadelphia is about $2,500, which is considerably higher than the U.S. average of around $1,570. Philadelphia has some of the highest insurance rates among major U.S. cities.

One factor that affects auto insurance price is where you live in Philadelphia. Below are average yearly premiums for residents of different parts of Greater Philadelphia.

Philadelphia neighborhoodFull coverageLiability onlyMinimum coverage
Center City - 19107$2,570$850$760
University City - 19104$2,780$970$865
Point Breeze - 19146$2,770$960$850
Manayunk - 19127$2,315$875$780
Chestnut Hill - 19118$2,210$840$755
Wayne - 19087$1,730$650$590
Narberth - 19072$1,920$730$660
Swarthmore - 19081$1,835$710$635
Conshohocken - 19428$1,800$700$640

Other factors that affect the cost of car insurance in Philadelphia are:

  • The plan’s coverages, limits and deductibles (for collision and comprehensive only)
  • The make, model and year of your vehicle
  • How you use the vehicle, including how many miles you drive
  • Your driving history
  • Your credit history

Insurance companies can’t charge you a higher rate for car insurance in Pennsylvania based on your race, religion, national origin or gender.

Consider getting at least three different car insurance quotes in Pennsylvania before deciding on a policy. Be sure each quote is for the same coverages and coverage limits. If you can’t get an auto insurance quote because of your driving history, you can purchase insurance through the Pennsylvania Assigned Risk Plan.

Pennsylvania auto insurance requirements

Car insurance is required for all owners of cars, vans, motorcycles, RVs, trucks and buses in Pennsylvania. At a minimum, your car insurance in Philadelphia must include:

  • Medical benefits coverage with a limit of at least $5,000. This coverage pays medical bills for you and others covered by the policy if you are injured in an accident, regardless of fault.
  • Bodily injury liability with a limit of at least $15,000 for injury to one person and $30,000 for more than one person. This coverage pays for damages you are liable for if you injure someone in an accident.
  • Property damage liability with a limit of at least $5,000. This coverage pays for repairs to someone’s property if you damage it in an accident and are at fault.

Optional car insurance coverages in Pennsylvania include uninsured/underinsured motorist coverage, collision coverage, comprehensive coverage and roadside assistance coverage. These coverage options increase your premium but may be worth it for some drivers.

  • Uninsured/underinsured motorist coverage applies if you or passengers are injured by an at-fault uninsured motorist, a hit-and-run driver or a driver who doesn’t have enough insurance.
  • Collision coverage provides reimbursement if your car is damaged in an accident and you are at fault.
  • Comprehensive coverage protects you financially if your car is stolen or damaged by fire, flooding or an animal strike.
  • Roadside assistance helps drivers who need towing, battery service, flat tire service, lockout service or fuel delivery.

Once you purchase car insurance, you’ll receive an insurance ID card. Always carry your insurance ID card in your vehicle in case you are pulled over or get in an accident. If you drive a vehicle without having car insurance in Philadelphia, you could be subject to a minimum $300 fine, a three-month suspension of your vehicle registration and driver’s license restoration fees.

Philadelphia auto insurance FAQ

How can I get car insurance discounts in Philadelphia?
As you get car insurance quotes in Pennsylvania, ask the insurer about available discounts and find out if you’re eligible. According to the Pennsylvania Insurance Department, most companies offer savings for safe drivers, bundling policies and good students. State law also requires companies to offer a mature drivers discount, which is a 5% premium discount for those 55 and older who successfully complete an approved driver improvement course.
Is Pennsylvania a no-fault state for accidents?
When buying car insurance in Pennsylvania, you can choose between either full or limited tort options. Full tort insurance gives you full rights to file a lawsuit against another driver after an accident. Limited tort auto insurance, the cheaper option, limits your ability to recover certain damages, like pain and suffering. If you don’t specifically elect limited tort, you receive full tort insurance.
Why are Philadelphia’s auto insurance rates so high?
Car insurance in Philadelphia is expensive for many reasons, including state laws, the frequency of accidents and the number of uninsured motorists. To lower the cost on your car insurance quote, select limited tort, choose a higher deductible for comprehensive and collision coverage and make sure the insurer applies all appropriate discounts.

Not sure how to choose?

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    Philadelphia car insurance company information

    Pastore Auto Tags & Insurance

    Pastore Auto Tags and Insurance Inc. has been providing auto insurance to Philadelphia residents since 1965. In addition to auto coverage, this family-owned and -operated business also offers motorcycle insurance and policies for boats and RVs. Pastore Auto Tags and Insurance Inc. accepts drivers of all ages and levels of experience. Contact the agency for a free quote.

    • Address: 6774 Ridge Ave., Philadelphia, PA 19128
    • Phone: (215) 482-3500
    • Hours: M - F: 9am - 6pm; Sat: 10am - 3pm
    • Website: pastoreinsurance.com
    McCollum Insurance Agency

    McCollum Insurance Agency, established in 2002, is an independent insurance broker that partners with financially secure, highly rated auto insurers. Get the quote process started by filling out an online form, or you can call to set up an appointment. If you’re unable to visit either of its two locations, McCollum will come to you.

    • Address: 4169 Main St., Philadelphia, PA 19127; Multiple locations
    • Phone: (215) 508-9000
    • Hours: Call for hours
    • Website: mccolluminsuranceagency.com
    Ferullo Insurance Agencies

    Ferullo Insurance Agencies is a full-service insurance company that offers customizable auto insurance policies for Philadelphia residents. Work with a dedicated agent to put together a policy that meets your needs and budget. To get a free quote, you can call or stop by an agency office in Philadelphia or West Chester.

    • Address: 1636 S. Front St., Philadelphia, PA 19148; Multiple locations
    • Phone: (215) 468-4116
    • Hours: Call for hours
    • Website: ferulloinsuranceagencies.com
    A Plus Insurance

    A Plus Insurance is committed to helping drivers find cheap auto insurance in Philadelphia. Its staff works with you to determine what coverages and limits you need and what discounts you qualify for. Services are available in Spanish. Call or visit for a free quote.

    • Address: 1509 Tyson Ave., Philadelphia, PA 19149
    • Phone: (215) 745-6900
    • Hours: M - F: 9am - 5pm; Sat: 9am - 4pm
    • Website: aplusinsphila.com
    Laughlin Inc.

    Laughlin Inc. is a locally owned agency that offers car insurance in Philadelphia from choice carriers. It usually provides quotes for automobiles, motorcycles and RVs in 10 minutes or less. Contact Laughlin Inc. for a no-obligation quote. The company has been in business since 1989.

    • Address: 1210 S. Broad St., Philadelphia, PA 19146; Multiple locations
    • Phone: (215) 334-1315
    • Hours: M - F: 10am - 6pm; Sat: 10am - 3pm
    • Website: laughlinins.com
    H & M Insurance Agency

    H & M Insurance Agency is a family-owned and -operated insurance agency with auto policies for all needs, budgets and lifestyles. Get help choosing a policy whether you speak English, Spanish, French or Arabic. Motorcycle insurance and coverage for RVs is available. Fill out an online form or call H & M for a free quote.

    • Address: 5829 Rising Sun Ave., Philadelphia, PA 19120
    • Phone: (215) 745-8001
    • Hours: Call for hours
    • Website: hm-insurance.com
    Pak Auto Tag

    Pak Auto Tag specializes in cheap car insurance. It represents a group of insurers and searches for policies customers can afford. Motorcycle insurance is also available. Call its office in Philadelphia or Fairless Hills for a free, no-obligation quote.

    • Address: 2222 N. Broad St., Philadelphia, PA 19132; Multiple locations
    • Phone: (215) 235-2744
    • Hours: M - F: 9:30am - 6pm; Sat: 10am - 2pm
    • Website: pakautotag.com
    Easy Auto Tag & Insurance

    Easy Auto Tag and Insurance offers low-cost auto insurance in Philadelphia for all drivers. It represents several insurance companies and has been in business for more than 25 years. Contact Easy Auto Tag and Insurance for a free, no-obligation quote.

    • Address: 538 E. Girard Ave., Philadelphia, PA 19125
    • Phone: (267) 239-0692
    • Hours: M - F: 9:30am - 6pm; Sat: 11am - 4pm
    • Website: easyautotag.com
    Northeast Insurance

    Northeast Insurance, in business since 2006, helps customers with car insurance and motorcycle insurance in Philadelphia. It reviews policies from multiple insurers to get drivers the lowest possible rates. It is open six days a week, including Saturdays.

    • Address: 12045 Bustleton Ave., Philadelphia, PA 19116
    • Phone: (215) 355-5050
    • Hours: M: 9am - 6pm; T - F: 9am - 7:30pm; Sat: 10am - 3pm
    • Website: northeastinsurance.com
    by Sandi Pope ConsumerAffairs Research Team

    Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.

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