InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Philadelphia – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Here are the average policy rates from the cheapest local and national insurance providers in Philadelphia from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
Philadelphia, PA is a bustling city with a high volume of traffic and diverse road conditions. As such, it is crucial for drivers in the area to have reliable car insurance coverage that fits their budget. To find the cheapest rates on car insurance policies in Philadelphia, drivers should consider obtaining multiple free auto insurance quotes from various providers. With InsuranceQuotes’ user-friendly quote form and real-time cost comparison tools, comparing different policy options has never been easier. By utilizing our extensive database of local and national insurance companies offering competitive rates, drivers can make an informed decision about which policy best suits their needs while saving money on premiums.
In Pennsylvania, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Pennsylvania includes:
These are the minimum coverage requirements mandated by Pennsylvania law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection.
While the above coverages are required by law, Pennsylvania also offers additional optional coverage types for drivers to consider, including:
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.
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
– Second-time Offense
– Third-time Offense
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.