|City Density||11,702 people per square mile|
|Average Cost of Insurance||$7,230.41|
|Cheapest Car Insurance Company||GEICO|
|Road Conditions||Poor: 43% |
Welcome to Philadelphia, The City of Brotherly Love and Sisterly Affection. Or you might call it:
- The Birthplace of America
- The Cradle of Liberty
- The Quaker City
- The City of Neighborhoods
- The Workshop of the World
- The Athens of America
But whatever you call it, Philly is a great place to be. And lots of folks agree. With over 1.5 million residents, it’s the sixth-biggest city in the United States.
So, why do folks love Philadelphia so much? Is it just the cream cheese?
Philly has something to offer everyone, from a booming arts scene to an ever-expanding medical community. From financial institutions to institutions of our nation’s founding. From world-class universities to some pretty darn good sports teams, we love the City of Brother Love.
Philadelphia is a city of American firsts, including:
- the first daily newspaper (The Philadelphia Packet and Daily Advertiser, founded in 1784)
- the first zoo (The Philadelphia Zoo, opened in 1874)
- the first general use computer (1946)
- the first public parks (1683)
- the first public school (1698)
- the first botanical garden (1729)
- the first hospital (The Pennsylvania Hospital, opened by Benjamin Franklin and Thomas Bond in 1752)
- the first medical school (University of Pennsylvania’s Perelman School of Medicine, opened in 1765)
Speaking of medicine, did you know that one out of every six doctors in the United States is trained in Philadelphia?
Which only points to the fact that Philadelphia is not just a giant of the past, but also a giant of the future. As a hub for finance and education, medicine and technology, Philly’s brightest days are still ahead.
Whether you’re a long-time resident or new to the City of Brotherly Love, we’ve created this guide to help you navigate car insurance in the great metropolis of Philadelphia, Pennsylvania.
Need car insurance? We’ve got you covered. Just enter your ZIP code above to get started.
The Cost of Car Insurance in Philadelphia
Philadelphia is a great place to live, it’s true. That’s in large part why it’s one of America’s largest metros.
Now let’s learn more about buying insurance in the City of Brotherly Love.
Male vs. Female vs Age
Do men and women pay different amounts for car insurance?
Often, they do. In most places, men will pay more than women, especially teenage men, who can pay substantially more than their female peers.
Luckily, Pennsylvania is one of six states — alongside California, Hawaii, Massachusetts, Montana and North Carolina — to ban gender discrimination in car insurance premiums.
And anyway, your age and marital status has a far larger effect on your car insurance premiums.
DataUSA reports that the median age of Philly’s residents is 34.4 years old, by the way.
The table below provides the average car insurance premiums for Philadelphia residents of various genders, ages, and marital status.
|Single 17-year old female||$17,276.69|
|Single 17-year old male||$17,126.38|
|Single 25-year old female||$4,810.06|
|Single 25-year old male||$4,748.21|
|Married 35-year old female||$4,123.77|
|Married 35-year old male||$4,060.58|
|Married 60-year old female||$3,887.56|
|Married 60-year old male||$3,825.49|
You might be surprised to learn: where you live in Philadelphia might mean you pay more or less than other city residents.
Cheapest ZIP Codes in Philadelphia
Our research shows that your car insurance premium can vary not only by what city you call home, but also by what part of that city your home is in.
And remember, Philadelphia is huge, often called the City of Neighborhoods.
Philly proper alone has 51 ZIP codes representing distinct parts of the city.
Want the cheapest average car insurance premiums in Philadelphia? Then you should look for a home in 19113, which has average yearly premiums of $7,230.41. Be forewarned, however, your 19113 neighbor will be the busy Philadelphia International Airport.
The table below shows you the average car insurance premiums for Philadelphia by ZIP code.
|Zip Code||Average Premium|
But who do Philadelphians say is the best car insurance company in America’s Birthplace?
What’s the best car insurance company in Philadelphia?
Folks in Philly might say the Philadelphia Eagles are the best team in the NFL.
And though the Eagles had a long run of bad luck, in 2018 they won their first Super Bowl title.
Their fans, as you might expect, went a little crazy. Hopefully the car owners in the video had comprehensive coverage which protects against vandalism (just another reason to shop around).
But who do residents in Ben Franklin’s hometown say is the best car insurance company?
Who the best car insurance company is largely depends on what you want and need from your insurer, and what kind of company you want to do business with.
When shopping for car insurance, the key issues you need to prioritize include:
- The level of insurance coverage you need,
- The amount of money you can afford to pay for your car insurance premium, and
- The type of insurance company you want to do business with.
Let’s cover some of the factors that can help you figure out the best Philly car insurance company for you and your family.
Cheapest Car Insurance Rates by Company
Is the cheapest car insurance company the best car insurance company? Not always, but that doesn’t mean an affordable provider is a bad provider either. Again, it depends on a number of factors.
In Philadelphia, GEICO is likely to be your cheapest car insurance provider — unless you qualify for USAA insurance.
The table below offers the average premiums for Philly’s eight biggest car insurance companies.
When researching car insurance providers, make sure to ask about discounts, incentives or promotions many companies offer to save you money on your policy.
Let’s take a look at how your commute distance can affect your car insurance rates in Philadelphia.
Best Car Insurance for Commute Rates
Philadelphians have an average one-way commute of 31.7 minutes, well above the national average of 25.5 minutes.
How far do you drive to work each day?
The length of your daily commute can affect your car insurance premium.
But no matter your commute, GEICO will probably be the most affordable car insurance provider for you in Philadelphia.
The table below provides average premiums for Philly’s top insurers based on both a 10- and 25-mile average commute.
|Company||10 miles commute. 6000 annual mileage.||25 miles commute. 12000 annual mileage.||Average|
But how much car insurance do I need anyway, you might be wondering?
It’s a good question. Do you need a little or a lot? This is something you’ll need to think about as you begin your car insurance research.
Best Car Insurance for Coverage Level Rates
Perhaps obviously, the more car insurance you need, the higher your premium will be.
Or at least that’s obvious as we live under this thing called capitalism.
In Philadelphia, Geico is still likely to be your cheapest provider whether you need a high, medium, or low level of car insurance.
The table below provides average rates for Philly’s biggest car insurers by coverage level, including high, medium, and low coverage.
Okay, needed coverage is important, but what’s your credit score?
Wait, you might be wondering, why are we asking?
Because your credit history is one of the key factors car insurance companies will use to determine your car insurance premium.
Best Car Insurance for Credit History Rates
Our credit history affects so many parts of our lives, from buying a home to even, in some cases, getting a job. Our car insurance premiums are not free from their effect, either.
This short video offers a great explanation as to how and why credit scores help determine car insurance premiums.
According to financial experts lendedu, Philadelphia residents have an average Vantage credit score of 633, below both the national average of 673 and Pennsylvania’s state average of 687.
If you have poor credit in Philadelphia, for instance, State Farm may be an even more affordable car insurer for you over GEICO.
The table below offers average premiums in Philly for those with good, fair, and poor credit histories.
But what affects your car insurance premiums even more than your credit history?
It’s a factor that worries a lot of folks: your driving record.
Best Car Insurance for Driving Record Rates
Most of us don’t have spotless driving records. Sure, there might be a speeding ticket, an accident, or even a DUI in your past.
But did you know: not all violations affect your car insurance premium in the same way?
Our research reveals that those with an accident in their past, for instance, might find Nationwide to be their cheapest car insurance option.
The following table provides the average rates for drivers of various histories in the City of Brotherly Love.
|Company||Clean record||With 1 speeding violation||With 1 accident||With 1 DUI||Average|
Did you know that even if you’ve had a speeding ticket, accident, or DUI, a driving course can often help negate increases in your car insurance premiums?
Make sure to look for defensive driving, advanced driving and DUI awareness courses. And check with your insurance company to see what they consider to be important in a driving course.
But what if your driving record makes it impossible for you to find car insurance you can afford?
Please know: you’re not alone.
The Insurance Information Institute provides this helpful guide to help you explore your options, many of which are public and backed by the state.
Factors such as a city’s growth, prosperity and poverty rates can also affect your car insurance premiums in that region.
Let’s take a look at some of these specific factors that can affect how much you end up paying for car insurance in Philadelphia.
Car Insurance Factors in Philadelphia
As Philly continues to grow, the city is forging forward into the future.
In the sections below we’ll cover some of the factors of this growth.
These factors can affect your car insurance premiums in surprising ways, so it’s important to know about changing demographics in the City of Brotherly Love.
Metro Report – Growth & Prosperity
Given its age and prominence to American ingenuity, really to our nation’s growth and prosperity writ-large, it’s probably not surprising that Philly has seen its economic ups and downs.
Thankfully, the city is currently seeing a steady, sustainable resurgence of growth and prosperity, according to The Brookings Institute.
The figures below reflect Brookings’ most recent findings on issues of both growth and prosperity in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, metropolitan statistical area.
And by the way, that area is home to 6.1 million people.
- Jobs: +1.4 percent (51st of 100)
- Gross metropolitan product (GMP): +2.4 percent (44th of 100)
- Jobs at young firms: +7.1 percent (18th of 100)
- Productivity: +1.0 percent (47th of 100)
- Standard of living: +2.1 percent (24th of 100)
- Average annual wage: +0.6 percent (70th of 100)
With especially strong increases in jobs at young firms and standard of living, we think Philadelphia’s brightest days are still ahead.
Median Household Income
Unfortunately, Philadelphia’s median household income has seen a recent dip.
According to DataUSA, “households in Philadelphia, PA have a median annual income of $39,759, which is less than the median annual income of $60,336 across the entire United States. This is in comparison to a median income of $41,449 in 2016, which represents a -4.08 percent annual growth.”
With an average annual car insurance premium of $7,230.41, residents of Philly spend a whopping average of 18.19 percent of their annual income on car insurance.
That’s way above the national average, but perhaps the cost of living in this great modern city.
Use the handy calculator below to see what percent of your income could go to car insurance.
Homeownership in Philadelphia
In 2017, Philly’s median home value rose to $166,200 from the 2016 median home value of $154,000. Though this is still well below the national median home value of $231,000.
In 2017, 49 percent of housing units were owner-occupied, according to DataUSA, who also reports that “this percentage declined from the previous year’s rate of 52.1 percent” and that Philly’s owner-occupation rate is much “lower than the national average of 63.9 percent.”
As you can see in the video below, Philly is forging ahead when it comes to innovative, integrated housing options for its current and future residents.
Education in Philadelphia
There’s no doubt about it: Philadelphia is absolutely a hub for world-class education.
According to DataUSA, “in 2016, universities in Philadelphia, PA awarded 42,474 degrees.” That’s so many.
And Philly’s universities are some of the best, like the University of Pennsylvania, the city’s largest college and a member of the Ivy League. And, we’ll add, one of the most beautiful campuses anywhere.
Other universities in the City of Brotherly Love include:
- Art Institute of Philadelphia
- Chestnut Hill College
- The Curtis Institute of Music
- Drexel University
- Holy Family University
- La Salle University
- Moore College of Art and Design
- Pierce College
- Pennsylvania Academy of the Fine Arts
- Philadelphia University
- Saint Joseph’s University
- Temple University
- Thomas Jefferson University
- University of the Arts
- University of the Sciences in Philadelphia
The Community College of Philadelphia also serves nearly 30,000 students.
Wage by Race & Ethnicity in Common Jobs
Unfortunately, wages by race and ethnicity are not tracked on the city level for Philadelphia. DataUSA, however, explains that “in 2017 the highest paid race/ethnicity of Pennsylvania workers was Asian. These workers were paid 1.18 times more than White workers, who made the second highest salary of any race/ethnicity.”
The most common job types in Pennsylvania, they also report, are miscellaneous managers; registered nurses; elementary and middle school teachers; secretaries and administrative assistants; and driver/sales workers and truck drivers.
Wage by Gender in Common Jobs
Though wages by gender are not tracked on the city level for Philly, DataUSA explains that, frustratingly, “in 2017, full-time male employees in Pennsylvania made 1.34 times more than female employees.”
Poverty by Age and Gender
Whereas the national average of people living in poverty is 13.4 percent, Philadelphia has a pretty high poverty rate of 25.8 percent.
Women ages 25-34 make up a disproportionate amount of the people living below the poverty line in America’s Birthplace, DataUSA explains.
Poverty by Race & Ethnicity
According to DataUSA, “the most common racial or ethnic group living below the poverty line in Philadelphia, PA is Black, followed by White and Hispanic.”
Driving in Philadelphia
Philadelphia is the epitome of an American city, with one foot planted in the past and one forging ahead into the future. Driving here, as the video below shows, gives you a distinct feeling of this old meets new attitude that is, truly, America’s Birthplace.
Did you know that a city’s road conditions, level of traffic congestion, and unique driving laws can all affect your car insurance premiums?
That’s especially true in a sprawling region like the Philadelphia-Camden-Wilmington metropolitan statistical area with more than six million people going to and fro.
In the sections below, we’ll provide you with some of the best information about driving safely in historic Philadelphia.
You can start your search for car insurance in the City of Brotherly Love today by entering your ZIP code below.
Roads in Philadelphia
Philadelphians drive a lot.
With long commute times and often poorly-maintained roadways — remember, our research shows that 71 percent of the city’s roads are poor or mediocre — driving here can be overwhelming.
But don’t let that scare you off. After all, this is a city of fighters.
Major Highways in Philadelphia
Philadelphia sits in the most congested stretch of the country: the Mid-Atlantic Eastern Seaboard.
Interstate 95 runs parallel to the Deleware River in downtown Philly, but also connects Philadelphia to the biggest American metropolis, a stretch that includes Richmond, Virginia; Washington, DC; Baltimore, Maryland; Philadelphia itself; New York City, New York; Providence, Rhode Island; Boston, Massachusetts; and Portland, Maine.
The map below shows just how many major roadways converge in The Cradle of Liberty.
Though the infamously expensive Pennsylvania Turnpike doesn’t pass through Philadelphia, many of the bridges that pass into the city require tolls. According to Cost2Drive, these bridges include:
- The Benjamin Franklin Bridge — Toll: $5 (inbound Pennsylvania ONLY). Location: Spans the Delaware River connecting Philadelphia, PA to Camden, NJ. Operator: Delaware River Port Authority of PA/NJ.
- The Besty Ross Bridge — Toll: $5 (inbound Pennsylvania ONLY). Location: Spans the Delaware River connecting Philadelphia, PA to Pennsauken, NJ. Operator: Delaware River Port Authority of PA/NJ.
- The Tacony-Palmyra Bridge — Toll: $4 (inbound Pennsylvania ONLY).
Location: Spans the Delaware River connecting Tacony, PA (Philadelphia) with Palmyra, NJ. Operator: Burlington County Bridge Commission.
- The Walt Whitman Bridge — Toll: $5 (inbound Pennsylvania ONLY).
Location: Spans the Delaware River connecting Philadelphia, PA to Gloucester City, NJ. Operator: Delaware River Port Authority of PA/NJ.
With so many major roadways, both accidents and car breakdowns are bound to happen. Most car insurance companies offer some sort of towing coverage, which can come in handy if you find yourself in such a situation.
Different companies handle towing coverage differently, however, so you should always check with your insurer to confirm exactly how towing is handled.
Popular Road Trips/Sites
You might be wondering: what is there to do in Philadelphia, Pennsylvania?
The short answer: a lot.
The Visit Philadelphia guide is always a good place to start planning your Philly vacation or staycation. But here are a few of our favorite places not to miss:
The Philadelphia Zoo, America’s first, is a class-act. Visit Philadelphia explains that “in addition to its nearly 1,300 animals, the zoo is known for its historic architecture, which includes the country home of William Penn’s grandson; its botanical collections of over 500 plant species; its groundbreaking research and its fine veterinary facilities.”
As the center and oldest institution of Philly’s arts scene, The Philadelphia Museum of Art holds one of the most expansive collections in the country, including more Impressionist paintings than any museum outside of Paris.
And if you feel like getting outside the city for a bit, the nearby Longwood Gardens is one of the world’s premier displays of horticultural wonder, with over 11,000 varieties of plants spread over 1,000 acres.
But as the video below shows, there’s never a shortage of things to do — or eat — in Philadelphia.
Does Philadelphia use speeding or red light cameras?
Yes. In 2018 alone, the City of Philadelphia issued a whopping 215,799 citations for speeding and red light camera violations. These violations garnered the City of Brotherly Love over $20 million in revenue.
Philadelphia’s speeding and red light cameras are located at the following intersections:
- Roosevelt Boulevard and Grant Avenue
- Roosevelt Boulevard and Red Lion Road
- Roosevelt Boulevard and Cottman Avenue
- Broad Street and Oregon Avenue
- 34th Street and Grays Ferry Avenue
- Roosevelt Boulevard Svc and Mascher Street
- Roosevelt Boulevard and Levick Street
- Roosevelt Boulevard and Rhawn Street
- Roosevelt Boulevard and Welsh Road
- Roosevelt Boulevard and Southampton Road
- 9th Street and Roosevelt Boulevard
- North Broad Street and West Hunting Park Avenue
- South 58th Street and Walnut Street
- South Broad Street and South Penn Square
- Belmont Ave and Parkside Ave
- Rising Sun Avenue and Levick Street
- North Broad Street and North Penn Square/JFK Boulevard
- Rising Sun Avenue and Adams Avenue
- Castor Avenue and Aramingo Avenue
- Aramingo Avenue and East York Street
- Henry Avenue and Walnut Lane
- North Broad Street and Vine Street
- Island Avenue and Lindbergh Boulevard
- Grant Avenue and Academy Road
- Bustleton Avenue and Byberry Road
- Woodhaven Road and Knights Road
- Byberry Road and Worthington Road
- Ogontz Avenue and Stenton Avenue
- Island Avenue and Bartram Avenue
- 2nd St and Erie Ave
- 26th St and Penrose Ave
You might be wondering: what is the driving culture in Philadelphia, Pennsylvania, like anyway?
Read on to find out.
Vehicles in Philadelphia
If you call Philadelphia home, chances are you live in a single-car household, have a commute of 31.7 minutes each way, and drive alone or take public transportation to work.
In the sections below, we’ll look at the particulars of the City of Brotherly Love’s car culture.
How many cars per household
According to YourMechanic, the Nissan Maxima is Philadelphia’s most popular vehicle.
Around 40.3 percent of Philadelphia’s households own one vehicle, according to DataUSA. 28 percent of Philly’s households own two vehicles, far below the national average, which isn’t surprising given the city’s size and alternate transportation opportunities.
Households without a Car
Around 17.1 percent of Philadelphia households don’t have a vehicle, according to DataUSA.
Speed traps in Philadelphia
Not surprising given its size and rates of congestions, residents report that Philly is home to some of the worst speed traps in the state of Pennsylvania.
Many of these speedtraps lie along the busy Interstate 95 corridor.
But what is a speed trap in the first place? Check out the short video below to find out more.
Speedtrap or no speedtrap, it’s always important to drive at a safe and legal speed.
Follow posted speed limits to keep you and your family safe, and your car insurance premiums affordable.
Vehicle Theft in Philadelphia
The FBI reported that in 2017, 5,483 vehicles were stolen in the city of Philadelphia, more than any other city in the Commonwealth of Pennsylvania.
According to NeighborhoodScout, crime is high in Philly.
Philadelphia is safer than only 10 percent of other cities in the United States. America’s Birthplace has a violent crime rate of 9.45 per 1,000 residents.
But what’s the traffic situation like in Philly?
Traffic in Philadelphia
As we’ve talked about above, Philly is part of a heavily populated — and thus, often congested — region that stretches well beyond the Philadelphia-Camden-Wilmington metropolitan statistical area.
Philadelphia is the 9th most congested city in the United States.
Traffic monitoring agency INRIX reports that folks in this region spend an average 112 hours or more in congestion per year, with an average financial cost of $1,568 to each commuter because of traffic congestion.
TomTom explains that drivers face an average congestion level of 24 percent, which is very high compared to national trends. This leads to residents spending an extra 12 minutes in congestion during the peak morning commute period, and an extra 15 minutes during the peak evening commute hours.
According to Numbeo, those living in the City of Brotherly Love face a traffic index of 183.94, a time index of 39.90 minutes, and an inefficiency index of 275.44.
As DataUSA explains, Philadelphians face a 31.7-minute one-way commute on average, well above the national average of 25.5 minutes. “Additionally,” they offer, “3.93 percent of the workforce in Philadelphia, PA have ‘super commutes’ in excess of 90 minutes.”
They also report that “in 2017, the most common method of travel for workers in Philadelphia, PA was Drove Alone (51.1 percent), followed by those who Public Transit (23.8 percent) and those who Walked (8.44 percent).”
How safe are Philadelphia’s streets and roads?
Though the National Highway Traffic Safety Administration doesn’t track city-specific roadway safety statistics, they do provide county-wide statistics for Philadelphia County, which includes, not surprisingly, the city of Philadelphia.
In 2018, 103 traffic fatalities were reported on the county’s streets.
The table below provides the number of traffic fatalities in Philadelphia County from 2014 to 2018.
Allstate America’s Best Drivers Report
When it comes to “best drivers,” Philadelphia could be doing way better.
According to Allstate America’s Best Drivers Report for 2019, Philly ranked as the 190th safest driving city in the United States out of 200.
On average, residents of the city also went around 6.3 years between filing each car insurance claim.
According to RideGuru, the following rideshare services are available in the city of Philly:
- Traditional taxis
Curb, Lyft, Uber and traditional taxis are available to pick you up from or take you to the area’s airports, including Philadelphia International Airport (PHL).
Weather in Philadelphia
Philly is pretty in every season, but the city’s residents take special pride in their ability to navigate often difficult winters, as shown in the video below.
Philly gets an average of 23 inches of snow a year.
The table below offers some of the city’s annual atmospheric averages.
|Atmospheric Condition||Philadelphia Average|
|Annual high temperature:||64.7°F|
|Annual low temperature:||47°F|
|Average annual precipitation - rainfall:||41.45 inch|
|Average annual snowfall:||23 inch|
Public Transit in Philadelphia
Philadelphia is the central hub of SEPTA, the Southeastern Pennsylvania Transportation Authority. SEPTA serves Bucks, Chester, Delaware, Montgomery and Philadelphia Counties.
Their system includes:
- Regional Rail
- The Market-Frankford Line
- The Broad Street Line
- Trolley Lines
- The Norristown High Speed Line
- CCT Connect
With fairly affordable fares, you can check out how much your trip will cost through SEPTA’s comprehensive fare guide.
Parking in Philadelphia
The Philadelphia Parking Authority provides a great guide to public parking in the city. Use their guide to help find affordable, easy parking near the city’s biggest attractions. (Which will also help you avoid hefty parking tickets.)
Air Quality in Philadelphia
The Environmental Protection Agency (EPA) provides air quality reports for all cities and counties across the nation. The agency designates an area’s air quality as good, moderate, unhealthy for certain groups, unhealthy, and very unhealthy for every day of the year.
Air quality in Philadelphia is improving, we’re happy to report, especially given the city’s industrial sector.
The table below shows the number of days in Philadelphia with each EPA designation for the years 2016 to 2018.
|Year||Good||Moderate||Unhealthy for Sensitive Groups||Unhealthy||Very Unhealthy|
Joint Base McGuire-Dix-Lakehurst is a major military installation just northeast of Philadelphia in central New Jersey, the only military installation near the city.
According to DataUSA, “Philadelphia, PA has a large population of military personnel who served in Vietnam, 2.46 times greater than any other conflict.”
You should keep in mind that our research shows how many car insurance companies offer discounts to either active or retired military personnel.
These companies include Allstate, Esurance, Farmers, Geico, Liberty Mutual, MetLife, Safe Auto, Safeco, State Farm, and The General.
USAA is consistently ranked as one of the best auto insurance companies, and they insure only military personnel, active or retired, and their immediate family members. In Philadelphia, they consistently provide premiums lower than all other insurers.
Unique City Laws
According to the Fienman Defense firm, there are three particular Pennsylvania driving laws you should keep in mind:
- No Texting While Driving — Using a mobile phone, particularly for texting, has become a hot topic around the country. Distracted drivers are no joke, and talking or texting on a cell phone has become one of our main distractions when we’re behind the wheel. Because of this, Pennsylvania is one of the states to completely ban texting while driving. It isn’t just texting either, it’s any written communication on a wireless communication device, so this could also cover sending an email from your iPad.If a police officer sees someone texting while driving, he or she can pull that individual over and give them a ticket. The fine is $50.There is an exception though – you can use your device to text or email when the vehicle is fully stopped or you can use a hands-free device.
- Give Bicyclists Their Space — Pennsylvania has laws regarding how vehicles should treat bicyclists on the road to ensure everyone’s safety. In general, bikes are considered vehicles and must follow all the same traffic laws, but there are some differences. If you’re on a two-lane road, you need to be at least four feet behind the cyclist. It may be annoying to drive behind someone on a bike, who can’t necessarily go the speed limit, but the cyclist isn’t required to ride as close to the side of the road as possible. You just have to be patient until you can safely and legally pass, which means on the left, no less than four feet from the cyclist, at a reduced speed.
- Double Check that Vehicle Modification — There are numerous Pennsylvania laws that regulate how an owner can modify his or her car. For instance, the state has frame and bumper height restrictions, meaning you can only lift your car to a certain height, as well as total height restrictions. Bumper height depends on the type of vehicle and its weight, but any vehicle can only be up to 13.5 feet tall. You can have additional lights installed on your car within certain parameters. Off-road lights must be covered and not used when driving on the road. Tinting may also be an issue as Pennsylvania law says any sun screening device that makes it impossible to see into the vehicle is generally prohibited.
Philadelphia Car Insurance FAQs
We hope you now have a good grasp of the types of car insurance options available to you in the City of Brotherly Love, as well as some of the particulars about driving here.
We also want to help you make Philly feel like home.
Here are some of the questions asked most by new and soon-to-be Philadelphians.
Who handles the utilities in Philadelphia?
Philadelphia Gas Works (PGW) has provided the region’s gas services since 1836.
PECO is Pennsylvania’s largest electricity provider and serves the Philadelphia area.
Do I need to get a resident parking permit?
According to the Philadelphia Parking Authority, “Residents in eligible areas can purchase parking permits that exempt them from meter and time limit restrictions on posted blocks. These permits assist residents in finding parking spaces near their home, enhancing the quality of life in residential areas with insufficient on-street parking – such as those that are adjacent to businesses, transit facilities or large institutions.”
You can apply for a permit or renewal through their website.
What are the state minimums for car insurance in Pennsylvania?
Pennsylvania requires drivers to have car insurance that meets or exceeds the following minimum coverage levels:
- Bodily injury liability coverage: $15,000 per person, $30,000 per accident
- Property damage liability coverage: $5,000
- Uninsured motorist coverage: $15,000 per person, $30,000 per accident*
- Underinsured motorist coverage: $15,000 per person, $30,000 per accident*
- First party benefits: $5,000
What are the teenage driving laws in Pennsylvania?
As we’ve seen, teen drivers are pretty pricey to insure in the City of Brotherly Love.
According to Edgar Snyder & Associates, Pennsylvania teens must under the age of 18 must obtain a Junior Learner’s Permit. They explain that “you must be at least 16 years old to apply for a learner’s permit.
Also, before applying, you must have a medical professional conduct a physical examination and complete the “Medical Qualification Certificate” section of Form DL-180 to verify that you’re medically capable of operating a vehicle.
Then you can visit a licensing center with the following items:
- Completed Non-Commercial Learner’s Permit Application (Form DL-180)
- Completed Parent or Guardian Consent Form (DL-180TD) if you’re under 18
- Proof of your date of birth and identification (acceptable forms of identification can be found on the reverse side of Form DL-180)
- Your Social Security card
- A check or money order, payable to PennDOT, in the appropriate amount
An eye screening and knowledge test are given, and once they’re passed, a learner’s permit is issued. The permit is valid for one year. When gaining driving experience you must be accompanied by an adult 21 years or older.
Permit holders must be accompanied by a licensed driver at least 21-years-old or a parent, guardian, or spouse at least 18-years-old and licensed. Young drivers may only drive between 11 PM and 5 AM if for employment or volunteer service. If a permit holder accumulates six or more points, driving privileges will be revoked for 90 days.”
You might also be wondering: at what age does my child get cut off my car insurance?
There is no specific age limit set by car insurance companies as to when a person needs their own policy. Instead, insurance companies limit their policies to households. All people living within a home who have access to a vehicle and are related to the policyholder through blood or marriage can be covered by a single insurance policy.
What’s the sales tax like in Philadelphia?
The combined sales tax rate for Philadelphia is 8 percent. This is the total of state, county and city sales tax rates. The Pennsylvania state sales tax rate is currently 6 percent. The Delaware County sales tax rate is 2%. Philadelphia itself does not have a city sales tax.
Where is the airport?
Good question! Philadelphia and the surrounding region is primarily serviced by Philadelphia International Airport (PHL), which is located at 8000 Essington Ave, Philadelphia, PA 19153.
PHL is a hub for both Frontier Airlines and American Airlines, with direct flights all over the globe. UPS has a large cargo operation at PHL.
How many people live in the Philadelphia-Camden-Wilmington Metropolitan Statistical Area?
The Philly Metro Area is, quite literally, huge.
The metropolitan statistical area has a population of over 6 million people.
Is there really anything to do in Philadelphia?
Obviously! From fine, eclectic cuisine to world-class art and theater to historic site after historic site, Philadelphia has a lot to offer for a weekend (or a lifetime).
Just check out the video below for some of the hotspots — especially edible ones — not to be missed.
Now that you understand the basics of driving, living, and working in the City of Brotherly Love and Sisterly Affection, it’s time to put your knowledge to work by getting the best deal on your car insurance.
We know researching and buying car insurance is no simple task, but by carrying some basic knowledge with you, you are better equipped to handle the challenges it brings.
And that’s why we created this guide: to help you obtain that basic knowledge for the City of Philadelphia.
And unlike Will Smith, there’s no need for you to run away from this great city. What part of this Philadelphia car insurance guide was the most helpful?
Was there something we could explain better? Please, let us know.
To get started on finding the best car insurance rates in Philadelphia, Pennsylvania, for you and your family, just enter your ZIP code below.