Auto Hauler insurance in Philadelphia County, PA
An independent, PA-licensed agency in Devon, PA, not tied to one insurance company.
Serving Philadelphia County · PA-licensed · Open Mon–Sat · 9 AM – 7 PM
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Auto Hauler insurance in Philadelphia County
Home to 1,603,797 people (2020 Census), Philadelphia County anchors the Greater Philadelphia metro. The City of Philadelphia and Philadelphia County share the same boundaries, and the city performs all functions of county government. Below: what affects auto hauler insurance here, the Pennsylvania minimums that apply, and answers to common questions.
What affects auto hauler insurance in Philadelphia County
Philadelphia County auto haulers benefit from Eastern Pennsylvania's position between major dealer auction lanes. I-76, I-95, and I-676 are the county's main freight routes. Carriers that price Eastern Pennsylvania hauling competitively understand the difference between open 7-car runs to dealer auctions and enclosed work to single-owner luxury or EV destinations — they price each scenario differently. Enclosed-trailer accounts in Philadelphia County typically need higher physical-damage limits because an enclosed trailer can cost six figures on its own. Hired and non-owned auto is worth adding for Philadelphia County haulers: it covers liability when the business uses a rented vehicle or an employee's own car, which a policy listing only scheduled units does not.
Compare Pennsylvania auto hauler insurance statewide, see truck insurance in Philadelphia County, or start from the auto hauler insurance overview.
Our office is at 321 S. Valley Forge Rd, Devon, PA 19333. We are open Monday through Saturday, 9 AM to 7 PM ET; call (610) 800-4410 or email info@cyfinancialsolutions.com.
- 1,603,797 County population 2020 Census
- 6 Primary highways I-76 · I-95 · I-676 · US-1 · US-13 · US-30
Truck liability minimums in Pennsylvania
| PA intrastate (PUC authority): Manufacturer's gross vehicle weight rating of 10,000 pounds or less (articulated vehicle: manufacturer's gross combination weight rating of 10,000 pounds or less) | $300,000 |
|---|---|
| PA intrastate (PUC authority): Manufacturer's gross vehicle weight rating over 10,000 pounds (articulated vehicle: manufacturer's gross combination weight rating over 10,000 pounds) | $750,000 |
| Federal (interstate): For-hire, interstate or foreign commerce, GVWR 10,001 lb or more: nonhazardous property | $750,000 |
Amounts are per-accident liability minimums. The Pennsylvania amounts do not include cargo coverage (52 Pa. Code § 32.12(b)); common carriers must also file cargo insurance of at least $5,000 (§ 32.13). Hazardous materials carry higher federal minimums of $1,000,000 or $5,000,000, depending on the material and how it is shipped.
Sources: 52 Pa. Code § 32.12(a); 49 CFR § 387.9.
Philadelphia ZIP codes and neighborhoods
- Some Philadelphia ZIP codes: 19102, 19103, 19104, 19106, 19107, 19121, 19122, 19123, 19124, 19125, 19126, 19127, 19128, 19129, 19130, 19131, 19132, 19133, 19134, 19135, 19136, 19137, 19138, 19139, 19140, 19141, 19142, 19143, 19144, 19145, 19146, 19147, 19148, 19149, 19150, 19151, 19152, 19153, 19154
- Neighborhoods include: Center City, Fishtown, Northern Liberties, South Philly, Manayunk, Chestnut Hill, University City, Germantown
- Landmarks: Independence Hall, Liberty Bell, Philadelphia Museum of Art, Reading Terminal Market, Lincoln Financial Field
Pricing in Philadelphia can change from one ZIP code to the next, so give us the ZIP where the vehicle is garaged when you ask for a quote.
Philadelphia County data points
- Freight corridor: Yes — I-76, I-95, I-676, US-1, US-13, US-30
Frequently asked questions
How much does auto hauler insurance cost in Philadelphia County?
Auto hauler pricing in Philadelphia County depends on the rig, the cargo limits per vehicle and per load, the routes you run, and your loss history. We quote your actual operation rather than a county average.
What liability limits does a car hauler need in Pennsylvania?
Common and contract carriers of property or household goods hauling within Pennsylvania (intrastate) need a certificate of insurance approved by the PA Public Utility Commission for at least $300,000 per accident for a vehicle with a manufacturer's gross vehicle weight rating of 10,000 pounds or less (articulated vehicle: manufacturer's gross combination weight rating of 10,000 pounds or less); $750,000 per accident for a vehicle with a manufacturer's gross vehicle weight rating over 10,000 pounds (articulated vehicle: manufacturer's gross combination weight rating over 10,000 pounds) (52 Pa. Code § 32.12(a)). Under § 32.12(b), those amounts do not include cargo coverage; common carriers must also file cargo insurance of at least $5,000 (52 Pa. Code § 32.13), apart from narrow exceptions such as dump trucks. Interstate for-hire carriers must also meet the federal minimums in 49 CFR § 387.9. These are minimums; a shipper or broker may ask for more.
How should I choose a cargo deductible for my car hauler?
Most cargo claims never exceed the deductible, so in practice the deductible decides who pays for most damage: you or the policy. A higher deductible lowers the premium but means you pay more of the small scuffs and dents yourself. Pick a deductible you could pay out of pocket more than once, and check what your brokers and dealers require.
Is the City of Philadelphia different from Philadelphia County for insurance?
No. Since the Consolidation Act of 1854, the city's boundaries have been the same as Philadelphia County's, and under the Pennsylvania Constitution (Article IX, Section 13) the city performs all functions of county government. Pricing depends on your address and ZIP code, not on whether you call it the city or the county, so this page covers all of Philadelphia.