Philadelphia Auto Insurance

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The fourth largest metropolitan area and sixth largest city in the country brings in millions of drivers from the Greater Delaware Valley. With just under seven hundred thousand vehicle registrations in the city of Philadelphia alone, combined with the rest of the Valley, it makes for a greater likelihood of a vehicular incident. Here is a brief look at some auto-related statistics for Philadelphia, Pennsylvania:

  • 13,118 vehicle thefts in 2009
  • Average commute time of 28.2 minutes
  • 7% of drivers are uninsured

With an enormous number of drivers living in and commuting to Philadelphia on a daily basis, comprehensive Philadelphia auto insurance is a necessity. In order to properly register your automobile in Philadelphia, minimum standard auto insurance must be purchased from a Pennsylvania Department of Insurance licensed insurer. The commonwealth of Pennsylvania has established the minimum requirements in order to register an automobile and receive license plates, which includes the following:

  • Liability Insurance
  • Medical Benefits

These coverages are required in order to operate a vehicle in the commonwealth of Pennsylvania. This can be accomplished by purchasing basic automobile liability insurance to cover both bodily injury and property damage, which is required by state insurance law. Bodily injury coverage pays for medical expenses, lost wages, and pain and suffering for which you are legally liable. Property damage coverage pays for property damage that you caused due to an accident. Medical benefits insurance provides coverage for medical bills for you and others covered under your policy, regardless of fault, with a minimum limit of $5,000.

You must also be able to provide proof of insurance, which must be shown, among other instances, when asked for by a law enforcement officer or have an accident. Pennsylvania auto insurance is mandatory in the commonwealth. Failure to do so could result in suspension of vehicle registration for three months, minimum $300 fine, and license suspension.

Because of the high prices of vehicles and medical care, minimum insurance coverage may not be enough if you are found liable for causing an accident. Consider purchasing other insurance products if you are a Philadelphia driver, such as income loss, collision, and uninsured/underinsured motorist coverage. It is important to remember to shop for low prices as well as quality service. is dedicated to finding reliable and quality auto insurance in Philadelphia, Pennsylvania.

Principal Department of Motor Vehicles locations are listed here:

  • 1108 Market St., Philadelphia 19107
  • 1530 S. Columbus Blvd., Philadelphia 19147
  • 2320 Island Ave., Philadelphia 19153
  • 919-B Levick St., Philadelphia 19111
  • 6420 Frankford Ave., Philadelphia 19135

The phone number for the Department of Motor Vehicles is 1 (800) 932-4600.