Car 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 7 days · 9 AM – 7 PM
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Car 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 car insurance here, the Pennsylvania minimums that apply, and answers to common questions.
What affects car insurance in Philadelphia County
Philadelphia car insurance is priced for dense city driving, and the difference between carriers is worth checking on every policy. Collisions in heavy traffic and theft are common claims here, and one city practice shapes how those claims start: Philadelphia police generally do not respond to minor crashes where no one is hurt, so drivers are expected to exchange information themselves. The photos and details you collect at the curb — the other driver's name, insurer, policy number and plate — become the backbone of the claim. Comprehensive exposure from theft, vandalism and glass tends to push city premiums above rural ones. Carriers rate by territory, often down to the ZIP code, so the right starting point for a Philadelphia quote is your exact ZIP and current limits, not a state average. On a multi-vehicle household, stacked uninsured-motorist coverage adds the limit for each insured vehicle together (75 Pa.C.S. § 1738); waiving stacking lowers the premium, so compare both prices at renewal.
Compare Pennsylvania car insurance statewide, see homeowners insurance in Philadelphia County, or start from the car insurance overview.
Our office is at 321 S. Valley Forge Rd, Devon, PA 19333. We are open Monday through Sunday, 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
Pennsylvania car insurance minimums (apply in Philadelphia County)
| Bodily injury liability, per person | $15,000 |
|---|---|
| Bodily injury liability, per accident | $30,000 |
| Property damage liability | $5,000 |
| First-party medical benefits | $5,000 |
The same minimums apply in every Pennsylvania county. You also choose full or limited tort. Limited tort limits your right to sue for pain and suffering unless the injury is serious or another exception in the law applies.
Source: Pennsylvania Motor Vehicle Financial Responsibility Law, 75 Pa.C.S. §§ 1702, 1705 and 1711.
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
- Flood risk: varies by address. Check yours on FEMA's Flood Map Service Center (msc.fema.gov).
Frequently asked questions
How much does car insurance cost in Philadelphia County?
Car insurance prices in Philadelphia County depend on your ZIP code, the vehicle, your driving record, your prior coverage, and whether you choose full or limited tort. There is no single county price, so we quote your actual details rather than an average.
Do I have to buy uninsured motorist coverage in Pennsylvania?
No. Pennsylvania law requires insurers to offer uninsured and underinsured motorist coverage, but buying it is optional, and you can only turn it down by signing a written rejection form (75 Pa.C.S. § 1731). It pays for your injuries when the at-fault driver has no insurance or not enough, so ask us to price it before you sign anything.
Police didn't come to my minor accident in Philadelphia. What should I do?
Philadelphia police generally do not respond to minor crashes with no injuries, under a city policy in place since 2010. Exchange names, contact details, insurance information, and plate numbers with the other driver, take photos of both cars and the scene, and then call us or your insurer to start the claim. If anyone is hurt, call 911.
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.