Philadelphia car insurance | Root Insurance

Get your car insurance in Philadelphia 

Need auto insurance in Philadelphia? The good news is that you can start your quote in just minutes. Then, complete the test drive (just by driving around like you normally would) to get a quote. The Root app will measure your driving and if you drive safely, you could get a lower rate. 

Root’s simple, intuitive mobile app makes it easy to get a quote. And with a Root policy, you can manage coverage, claims, and access important documents all from your phone.


Philadelphia auto insurance coverage

If you own a car and drive in Pennsylvania, you’re required to purchase auto insurance and meet certain minimum coverage amounts. Pennsylvania requires that all drivers purchase auto insurance with Liability coverage and no fault insurance (also called medical) from a company authorized to do business in the state of Pennsylvania. Minimum coverage requirements include:

Minimum required Liability coverage:

  • $15,000 for Bodily Injury (per person, per accident)

  • $30,000 total for Bodily Injury (per accident)

  • $5,000 for Property Damage

Required medical coverage:

You will get to choose between two options when purchasing medical coverage.

  • Limited right to sue—allows you to sue only for all medical costs (not pain and suffering, unless the injury is severe) that result from a car accident. This option is cheaper for car insurance in PA.

  • Full tort right to sue—allows you to sue for both medical costs and pain and suffering, with unrestricted rights. This option raises your insurance premium and will be more expensive than the first option.

You may want to consider purchasing more than the absolute minimum amount of coverage—while it may raise your monthly premium, higher coverage levels mean that you’re better protected in the event of an accident.

While Pennsylvania doesn’t have any requirements concerning Comprehensive, Collision, or other coverages, consider how much you could afford to pay for repairs if your car was damaged. Purchasing additional insurance coverage can save you a significant amount of money if you get into an accident or if something happens to your car. For example, Collision insurance can help you pay for repair costs after a fender bender, and Comprehensive insurance can help you save money if an expensive part is stolen from your car. Types of additional insurance coverage you should consider include:

If you’re stopped for a traffic violation or after an accident, Pennsylvania requires that you provide proof of insurance. The good news is that Pennsylvania accepts evidence of insurance presented on a cell phone, so you can pull up your insurance cards quickly and easily in Root’s mobile app.


Philadelphia car insurance cost and quote

The average driver in Philadelphia pays $1,028 per year for car insurance. But like major cities across the country, Philadelphia insurance costs are often much higher than the rest of the state. 

While auto insurance rates are often high in Philadelphia, that doesn’t have to be the case. Instead of basing rates on things like where you live, how old you are, or your credit score, Root primarily bases auto insurance rates on how safely customers drive. This means that you can potentially unlock much lower rates with Root than with other auto insurance companies just by being a safe and responsible driver.

Just download the Root app, hop in the car, and complete the test drive in order to get a quote and see how much you could save. Root’s sophisticated app will keep track of your driving behavior and assign a score based on how you drive. If you like your quote, you can customize your coverage and finalize your policy details all from your phone. It’s also easy and convenient to submit claims and manage your policy details using the Root app.

By basing your rate primarily on your safe driving habits, Root could save you up to $900 a year on car insurance. Get a quote. 

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