Car Insurance in Philadelphia

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Protect Yourself and Your Vehicle With Auto Insurance in Philadelphia

couple feels safe by having car insurance philadelphiaFrom the Liberty Bell to the Rocky Steps, there’s so much to see and experience in Philadelphia. And while you’re out exploring the City of Brotherly Love, you’ll want to stay safe on the roads. As the sixth most populated city in the United States, there are plenty of drivers in Philadelphia who might be at risk for car accidents.2 In 2021, The Pennsylvania Department of Transportation reported that over 10,000 car accidents happened in Philadelphia, which was the highest out of any other Pennsylvania county.3 That’s why having the right car insurance in Philadelphia is essential.
 
Get seguro para automóviles coverage you can count on with the AARP® Auto Insurance Program from The Hartford.1 The Hartford has been a trusted provider of car insurance in Pennsylvania since 1984. No matter where you live in Philly, we can help you get the coverage you need to stay protected on the road.
 

Fast and Free Car Insurance Quotes for Philadelphia Drivers

If you’re looking for a car insurance company in Philadelphia, you’ve come to the right place. For almost 40 years, the AARP Auto Insurance Program from The Hartford has offered great auto insurance coverages to help protect drivers and their families. And we make it fast and easy to request an auto insurance quote. To learn more, get a cotización de seguro para autos online or call 888-546-9099 to speak to a Hartford representative. 
 

Requirements for Auto Insurance in Philadelphia

drivers can easily get car insurance quotes philadelphia
Having car insurance in Philadelphia is a state required law. Pennsylvania requires drivers to carry liability coverage at the following minimum limits:4
 
  • $15,000 per person per accident for bodily injury liability coverage
  • $30,000 per accident for bodily injury liability coverage
  • $5,000 per accident for property damage liability coverage
  • $5,000 per accident of medical benefits coverage
Uninsured/underinsured motorist coverage is not legally required in Philadelphia. However, if you lease your vehicle, you may be required to carry this coverage.
 

Philadelphia Car Insurance Coverages

How much car insurance do you need? The amount of coverage each driver needs is unique. However, some types of recommended car insurance coverages include:
 
Typically, full coverage car insurance is a combination of different types of car insurance coverage.
 

How Much Does Car Insurance in Philadelphia Cost?

Wondering how much car insurance costs? The average cost of car insurance in Philadelphia is $3,300 per year or $275 per month.5 However, insurance costs are unique to each driver. That’s because car insurance companies take several factors into account when determining auto insurance rates. For example, the amount you pay for car insurance may be higher or lower than the average rates for Philadelphia based on your:
 
  • Tipo de vehículo
  • Millas promedio por año
  • Chosen deductible and coverage limits
  • Historial de tránsito

Car Insurance Benefits

If you’re an AARP member, you can receive exclusive benefits through the AARP Auto Insurance Program from The Hartford, like:
 
  • Exención por accidente:‡ We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have clean driving records for five straight years with The Hartford, you’ll qualify for accident forgiveness.
  • New Car Replacement:§§ If you total your new car, we’ll replace it with a new one of the same make, model and equipment with no deduction for depreciation.
  • Disappearing Deductible:‡ Your collision deductible could be reduced over time, as long as you maintain a clean driving record.
  • 24/7 Claims Service: Our representatives can help with your claim. Call 800-243-5860 or report reclamaciones de seguro para autos en línea.

Discounts To Help You Save On Your Philadelphia Car Insurance

If you combinar el seguro coverages, you can save on both policies. Types of auto and home insurance bundles available through The Hartford are:
 
Bundling insurance coverages through the AARP Auto and Home Insurance Program from The Hartford can help you save up to 5% on your auto insurance and up to 20% on your homeowners, renters or condo insurance.**
 

Paid-in-Full Discount

If you pay your insurance premium in full instead of monthly, you’ll receive a discount.
 

Maneje de forma segura y ahorre

Get rewarded for safe driving through The Hartford’s TrueLane Program:‡‡ You’ll save up to 12% today just for participating. And you could earn a renewal discount of up to 25%, depending on the driving habits you demonstrate.
 

Safe Driver Training Discounts

If you have drivers on your policy who are under 21, you can save on your insurance if they complete an approved driver training course.
 

Curso de manejo defensivo

Taking an approved defensive driver course can get you a discount on your car insurance premium for the next three years. Just send your certificate of completion to The Hartford to receive the credit on your premium.

FAQs About Car Insurance in Philadelphia, PA

Pennsylvania is a no-fault state. This means that each driver involved in a car accident must file a claim with their insurance company, no matter who is at fault.
Yes. Pennsylvania is among the states that accept electronic proof of insurance. With The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™

Seguro para autos de Pennsylvania

There’s more to know about car insurance in your state.
 
 
 
Última actualización: 14 de febrero, 2024
 
2 U.S. Census Bureau, “Quick Facts: Philadelphia City, Pennsylvania”
 
3 Pennsylvania Department of Transportation, “Travel in PA”
 
4 Pennsylvania Insurance Department, “Questions and Answers About: Automobile Insurance in Pennsylvania.”
 
5 Bankrate, “Best cheap car insurance in Philadelphia”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
 
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
 
§§ Se aplican términos y condiciones.
 
‡ Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
 
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
 
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
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