Car Insurance in Philadelphia

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.

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 auto insurance 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 car insurance quote 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:
 
  • Type of vehicle
  • Average miles driven in a year
  • Chosen deductible and coverage limits
  • Driving record

Car Insurance Benefits

If you’re an AARP member, you can receive exclusive benefits through the AARP Auto Insurance Program from The Hartford, like:
 
  • Accident Forgiveness: 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 car insurance claims online.

Discounts To Help You Save On Your Philadelphia Car Insurance

If you bundle insurance 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.
 

Drive Safe and Save

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.
 

Defensive Driver Course

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.™

Pennsylvania Car Insurance

There’s more to know about car insurance in your state.
 
 
 
Last Updated: February 14, 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”
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
Additional disclosures below.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.