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Philadelphia Car Insurance

The largest city in the state of Pennsylvania, Philadelphia is also the sixth most populous city in the country. The anchor of the Delaware Valley, Philadelphia is one of the oldest municipalities in the United States. It's an industrial and railroad hub, in addition to being the location of the Liberty Bell and home to the signing of the Declaration of Independence. It is one of 13 U.S. cities to have professional football, baseball, basketball and hockey teams. Philadelphia is home to Interstates 95 and 76. The city is known as much for its hot and humid summers as much as its cold winters.

When it comes to auto insurance, every state has different requirements. For drivers in Philadelphia, you can see what coverage and coverage limits Pennsylvania requires in the list below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.

A Philadelphia Allstate agent can help you understand the different insurance types available to you.

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When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected, wherever the road takes you.

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Philadelphia Car Insurance Requirements

Auto liability insurance is a type of car insurance coverage that's required by law in Pennsylvania, so Philadelphia drivers must have it.

More specifically, the following liability coverages are the minimum required in Philadelphia:

  • $15,000 bodily injury liability limit per person
  • $30,000 bodily injury liability limit per accident
  • $5,000 property damage liability
  • $5,000 medical benefits limit

Uninsured/Underinsured motorist coverage, collision1 and comprehensive1 coverage are not required for Philadelphia drivers.

All coverages are subject to the coverage limits stated in your policy.

1Although Pennsylvania law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

Philadelphia Auto Insurance Discounts

It's possible to get quality coverage in Philadelphia at a lower rate than you might think. Whether you decide to bundle your insurance policies, invest in an anti-theft device and more, Philadelphia drivers can find many ways to save with Allstate.

Multiple Policy Discount

Having more than one Allstate policy can help you save money on your monthly premium. For instance, if you bundle your home and auto policy, you can save on your auto and home premiums.

New Car Discount

You can save on your car insurance policy if your vehicle is a current model year or one model year older and you're the first owner.

Smart Student Discount

Teens deserve car insurance that's both great on the road and easy on your budget. Just because they may be new drivers, doesn't mean you can't enjoy quality coverage at an affordable price. You can save if your Philadelphia teen driver meets these requirements:

  • Is a single, full-time student under the age of 25 and getting good grades
  • Attends school at least 100 miles away from where the car is garaged
  • Successfully completes the teenSMART driver education program

Learn more about these discounts and other car insurance discounts that may be available by contacting your local Philadelphia agent today.

Proof of Insurance in Philadelphia

If you are stopped by the police and asked to show your auto insurance card, drivers in Philadelphia can show an electronic insurance card. Most states, including Pennsylvania, permit drivers to show an electronic proof of their insurance card on a mobile device during a traffic stop.

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Coverages, features, and discounts subject to terms, conditions, and availability which may vary by state. Policy issuance subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2021 Allstate Insurance Company, Northbrook, IL.
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