Philadelphia, PA Car Insurance Guide (Comprehensive)
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UPDATED: Oct 4, 2020
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|Philadelphia, Pennsylvania Stats||Details|
|City Density||11,702 people per square mile|
|Average Cost of Car Insurance in Dallas||$7,230.41|
|Cheapest Car Insurance Company||USAA|
Philadelphia is the land of rich American history and really good sandwiches. If you happen to live here, you probably already know how great it is. If you’re new to the area and are looking to get your new car insurance coverage, there are a few things that you’ll want to know.
Car insurance coverage in Philadelphia has many factors that you will want to familiarize yourself with, so that’s where we come in. We’ve put together this comprehensive guide on the car insurance coverage and rates for the Philadelphia area. So strap in tight, and let’s get going!
Also, if you’re interested in seeing how Philly stacks up to the rest of the state, check out our Pennsylvania Car Insurance Guide.
Don’t forget to use our FREE online tool today to start comparing insurance rates. All you need is your ZIP code.
The Cost of Car Insurance in Philadelphia
Let’s get this party started! In this first section, we’ll discuss the typical cost of car insurance in Philadelphia.
Do gender and age affect my car insurance rates in Philadelphia?
Did you know that depending on what demographic you fall under, you may be paying something completely different than someone else? That’s right, though most insurance companies are trying to move away from such a practice, according to Pennsylvania’s insurance department: “By law, insurance companies are prohibited from charging different rates based on an applicant’s race, religion, national origin, and gender.”
So the following demographic rates may be soon disappearing, but we still wanted to touch on them. Let’s start with one of the more common demographics — gender.
It’s a common saying in the insurance world that men pay more for their coverage than women do, so we decided to see if this was true in the Philadelphia area.
Turns out, it is just a myth in Philadelphia. It’s women who pay more for their insurance coverage.
The next demographic we’ll explore in this section will be your age. Yep, how old you are can determine what you’re going to be paying.
According to a study conducted by Data USA, the average Philadelphia citizens is approximately 34.4 years old. This age range falls right in the middle when it comes to how much people are paying for their insurance.
The table above shows it’s younger teenage drivers who pay the most for their insurance coverage. You can chalk some of this up to how much experience drivers in this age range have. The cheapest age to insure is 60-year-olds at an average rate of $3,856.53 a year.
The last demographic we’ll touch on in this section is your marital status.
|Age and Marital Status||Average Rate|
|Married 60-year-old male||$3,825.49|
|Married 60-year-old female||$3,887.56|
|Married 35-year-old male||$4,060.58|
|Married 35-year-old female||$4,123.77|
|Single 25-year-old male||$4,748.21|
|Single 25-year-old female||$4,810.06|
|Single 17-year-old male||$17,126.38|
|Single 17-year-old female||$17,276.69|
|Philadelphia Average Rate||$7,482.34|
On average, those who are single pay more than their married neighbors.
What are the cheapest ZIP codes in Philadelphia?
The other factor that can affect the cost of your insurance rates in Philadelphia is based on exactly where in Philadelphia you live. Typically, the closer to the downtown area you are, the higher the rates will be.
|ZIP Code||Average Annual Rate|
As you can see from the table above, there’s a pretty significant difference between the least and most expensive ZIP codes in Philadelphia.
Those who live in the 19133 ZIP code will be paying an average of $10,480.25 for their coverage. This is due to the fact that they are so close to the downtown area.
Meanwhile, those who live in the 19113 ZIP code see the cheapest insurance rates, at only $3,250. The map shows that they are located further away from the city’s epicenter.
What’s the best car insurance company in Philadelphia?
When you’re trying to get your insurance coverage, you want to get the most bang for your buck, right? To do that, you’re going to want to know who the best car insurance providers are for your area.
In this section, we’ll go over just that.
Cheapest Car Insurance Rates by Company
In the following table, we’ve provided the company rates for the top insurance providers in the Philadelphia area.
|Group||Single 17-Year-Old Female||Single 17-Year-Old Male||Single 25-Year-Old Female||Single 25-Year-Old Male||Married 35-Year-Old Female||Married 35-Year-Old Male||Married 60-Year-Old Female||Married 60-Year-Old Male||Average|
Best Car Insurance for Commute Rates
If you are one of many Americans with a long daily commute, you already know how tedious and frustrating that commute can be. Unfortunately, this is coupled with the fact that you’re likely paying more for insurance.
|Group||10-Mile Commute. |
6,000 Annual Mileage.
|25-Mile Commute. |
12,000 Annual Mileage.
This isn’t the case with all providers, such as Nationwide, Travelers, and Progressive, who all charge the same rate despite your commute.
But other providers, such as Allstate, Geico, Liberty Mutual, State Farm, and USAA, will have a higher rate for those with longer commutes in Philadelphia.
Best Car Insurance for Coverage Level Rates
When you get insurance coverage, you want to get the most bang for your buck, right? No one likes paying more for less coverage. However, if you aren’t carefully comparing your insurance rates, you could be doing that very thing.
From the table above, you can see that if you were to choose a low coverage plan with Allstate, you’d be paying approximately $6,663.27. Meanwhile, you could be getting a high coverage plan with Geico for only $5,246.88.
That means you’d be paying a $1,416.39 less for a coverage plan that would give you better protection.
Best Car Insurance for Credit History Rates
While a lot of states are making laws to prevent car insurance providers from using your credit history to calculate your rate, it still does happen.
You can see, for example, that even going from good credit history to fair credit history could add hundreds or thousands of extra dollars to your insurance rates.
Best Car Insurance for Driving Record Rates
The safer a driver you are, the lower your insurance rates will be. Why is that? If you are a risky driver, it increases insurance companies’ chances of having to pay a lot for potential claims from you.
|Group||Clean Record||With One Speeding Violation||With One Accident||With One DUI||Average|
As you can see from the table above, with some providers, even having one speeding violation on your driving record can add on a few hundred dollars to your insurance rates.
What are some car insurance factors in Philadelphia?
Now we will move onto the other various car insurance factors that you’ll want to take into consideration for the Philadelphia area.
Philadelphia Metro Report
The Brookings Institution’s annual Metro Monitor Report is a report that shows the economic performance of the 100 largest metropolitan regions across the nation. So why include it in a guide about car insurance?
The simple answer is that this report gathers information and ranks a region based on its growth, prosperity, and inclusion. This indicates the kind of growth you can expect to see for that region. Think of this report as a performance ranking for how a particular region does in these categories. If you live in an area that ranks poorly, insurers may charge you move for car insurance.
So what should you expect for the Philadelphia region?
- Prosperity – overall ranking of 44th of 100
- +1.0 percent in Productivity – 47th of 100
- +2.1 percent Standard of Living – 24th of 100
- 0.6 percent Average Annual Wage – 70th of 100
- Growth – overall ranking of 38th of 100
- +1.4 percent in Jobs – 51st of 100
- +2.4 percent Gross Metropolitan Product (GMP) – 44th of 100
- +7.1 percent in Jobs at Young Firms – 18th of 100
As you can see, the highest-ranked categories for Philadelphia are for its standard of living and jobs at young firms.
Median Household Income in Philadelphia
Why would you want to know the median household income for a region when it comes to insurance rates?
Knowing the average amount that citizens in your area earn can help you calculate how much of your own income will be directed for your car insurance coverage. So what do Philadelphia citizens earn on average?
The median household income in the Philadelphia area is $39,759.
How does this compare to the average cost of insurance? For full coverage insurance, the average cost in the state of Pennsylvania is $950.42.
If you calculate this out, comparing the median household income to this average cost for full coverage insurance, approximately 2.39 percent of your income will go to your car insurance coverage. Since having insurance coverage is required in the state of Pennsylvania, making sure that you save enough of your income for this cost is vital.
If you want to break down exactly how much of your own income will go to car insurance, use the tool below.
Homeownership in Philadelphia
Surprisingly enough, how much of the population rents versus owning a home can affect insurance coverage. We’ll show you what we mean.
In the Philadelphia area, approximately 49 percent of citizens own homes. This means that a higher average of citizens in the region rent their homes/apartments.
The more citizens rent, the more mobile they can be and therefore might move around more than someone who owned a home. This, then, can mean you can see a higher fluctuation of other people on the road, depending on the renter’s market at the time.
Education in Philadelphia
Having an education in American can elevate a person’s career and is considered extremely important. Knowing what kind of educational opportunities you have in a region not only will help you know what you have available to you, but it can also give you an idea of just how many students you might see sharing the roads with you.
According to Data USA, the following educational data can be found for Philadelphia:
- Degrees Awarded – 42,474 degrees
- Student Population – 63,645 males/83,939 females
- Student Demographics
- White – 56.4 percent (21,538 students)
- Black/African-American – 16.3 percent (6,210 students)
- Asian – 10.8 percent (4,132 students)
- Hispanic/Latino – 7.25 percent (2,769 students)
- Largest Universities
- University of Pennsylvania – 21.3 percent (9,053 students)
- Temple University – 21.2 percent (9,017 students)
- Drexel University – 17.8 percent (7,549 students)
- Most Popular Majors
- Registered Nursing – 4.24 percent (1,801 students)
- General Finance – 3.83 percent (1,628 students)
- General Business Administration and Management – 2.94 percent (1,247 students)
- Average Cost of Tuition
- Median Tuition Cost – $36,997
- In-State Students – $15,384
- Out-of-State Students – $26,376
Employment by Occupations in Philadelphia
With all of these educational opportunities, you might be wondering what kind of employment is in the area. The good news is that according to the Metro Monitor Report we mentioned in an earlier section, job growth has increased by 1.4 percent, so more employment opportunities will be arising.
But in what categories can you expect to see the most job openings? There are a few common job groups, as seen below:
- Office and Administrative Support Occupations – 83,030 people
- Sales and Related Occupations – 57,331 people
- Management Occupations – 56,671 people
So you can expect to see the most job openings in the above categories, but you might also soon see jobs in an even larger variety of fields.
Wage by Race and Ethnicity in Common Jobs in Philadelphia
The unfortunate truth is that we don’t all receive equal pay. It’s well known that gender can affect play a part, but your race and ethnicity can also affect your pay.
In Philadelphia, the following data can be found on wages based on race and ethnicity.
|Race||Miscellaneous Managers||Registered Nurses||Elementary and Middle School Teachers||Driver/Sales Workers and Truck Drivers||Secretaries and Administrative Assistants|
|Two or More Races||$73,229.68||$53,524.99||$51,564.28||$29,956.24||$29,112.15|
The more workers earn, the less percentage of their income is spent on car insurance. Bottom line? Car insurance can consume up 10 percent of an employee’s yearly wages, if not more, which is way too much to spend on car insurance.
Wage by Gender in Common Jobs in Philadelphia
As we stated in the previous section, wages based on gender have been a known problem across the nation. In Philadelphia, the same can be said, as Philadelphia men make more than their female counterparts.
- Males – $68,603
- Females – $51,375
It’s not a small difference either, several thousand dollars’ of difference.
Poverty by Age and Gender in Philadelphia
We’ll now move onto those who struggle to find good jobs and are currently living in poverty.
The largest demographic of those living in poverty in Philadelphia are women between the ages of 25 and 34 years old.
With a poverty rate of 25.8 percent, that’s a pretty significant number of people living in poverty in the Philadelphia area. Not only that, but the national poverty level is only 13.4 percent, meaning that those living in poverty in Philadelphia is twice that of the national average.
Poverty by Race and Ethnicity in Philadelphia
From the previous section, we know it’s women who make up a majority of those living in poverty. Let’s divide this up further to see how this divides out into race and ethnicity.
- Black/African American – 196,990 individuals
- White – 118,649 individuals
- Hispanic – 86,690 individuals
This data means the largest percentage of those living in poverty in Philadelphia are black/African American women.
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Driving in Philadelphia
Now we’ll move onto the driving conditions you can expect to see in Philadelphia. We’ll discuss topics such as major highways, road conditions, and more.
What are the major roads in Philadelphia?
With all of these roadways, what can you expect when driving across them?
Pennsylvania itself is a pretty large state, so it’s not hard to imagine that there are a lot of roadways there. It has about 23 active highways and over 1,862.21 miles of roadway.
There are 23 active highways in Pennsylvania, as follows: I-70, I-76, I-78, I-79, I-80, I-81, I-83, I-84, I-86, I-90, I-95, I-99, I-176, I-276, I-376, I-476, I-576, I-676, I-279, I-579, I-178, I-378, I-180, I-380, I-283, I-295.
However, not all of these 23 highways in Pennsylvania will pass by Philadelphia. So which ones will you need to concern yourself in Philadelphia? The following active highways run through, or around, the Philadelphia area:
There sure are a lot of roads, but then again, Philadelphia is a pretty big area.
The last thing you want to have to worry about for your vehicle is damage caused by poor road conditions, right? Philadelphia currently has the following road conditions you’ll want to know about:
|Road Conditions for Philadelphia||Details|
As you can see, the majority of Philadelphia roads fall under the poor and mediocre categories, meaning that road conditions definitely have room for improvement in the area.
Does your city use speeding or red-light cameras?
Across the nation, a lot of states have debated whether the use of speeding and red-light cameras should be used.
According to the Insurance Institute for Highway Safety (IIHS): “Major U.S. cities with red-light cameras include Atlanta, Chicago, Dallas, Denver, New Orleans, New York City, Philadelphia, Phoenix, San Francisco, Seattle and Washington, D.C.”
You’ll want to be aware of where these cameras are in Philadelphia, especially if you tend to have a lead foot.
What type of vehicles are in Philadelphia?
So you’re out on the road, cruising and jamming to some music and you look over to the car next to you. What are you going to see? In this section, we’ll discuss the most popular vehicles owned, how many cars there are per household, and more.
Most Popular Vehicles Owned
What kind of vehicles are popular in your area? What cars will you more commonly see on the road next to you? According to a study conducted by YourMechanic, the most popular vehicles in Philadelphia are as follows:
- Most Popular Vehicle – Nissan Maxima
- American-Made Vehicles – 44 percent
- Hybrid Vehicles – 0.6 percent
- Muscle Cars – 10.8 percent
- Subarus – 1.7 percent
How Many Cars per Household
Did you know that the national average of vehicles owned per household is two? It’s true. According to Data USA, most American households own two vehicles.
What about Philadelphia? The City of Philadelphia differs from the national average, as the average household only owns one vehicle. This isn’t too surprising, as many major metropolitan areas lean more heavily on public transit.
Households Without a Car
Reversely, how many households in Philadelphia are without a car altogether? We’ve found the following data on households without a car in the Philadelphia area:
So as you can see, the average percentage of those without vehicles has started to decrease. This means you might be seeing more vehicles on the road pretty soon.
Vehicle Theft in Philadelphia
The last thing you want to have to worry about for your vehicle is whether it will be stolen or not, right? No one wants to have to deal with that. Unfortunately, however, it is something you will want to know for your area because some regions might be more prone to vehicle theft than others. This includes Philadelphia.
According to a study conducted by the FBI, Philadelphia saw about 5,483 vehicles thefts in 2017 alone!
That is not a number you want to see when you’re trying to keep your vehicle safe.
Unfortunately, the downtown has a lot of vehicle theft issues. On average, studies indicate that one in 33 people will become a victim of property crime in the Philadelphia area.
Knowing all of this, you might be wondering, where is it safe? Luckily, according to Neighborhood Scout, the following neighborhoods have been ranked as the safest in the city:
- Rhawn Street/Rowland Avenue
- Stevens Road/Byberry Road
- Byberry Road/Depue Avenue
- Ridge Avenue/Flamingo Street
- Germantown Avenue/W. Willow Grove Avenue
- Chestnut Hill/Chestnut Hill College
- Cherokee Street/W. Hartwell Lane
- Old Line Road/Ridge Avenue
- Mount Airy
So if you live in any of these areas, you’ll tend to see fewer vehicle thefts than some other areas in the city.
How is traffic in Philadelphia?
No one likes getting stuck in traffic. But unfortunately, for the more populated cities, traffic is inevitable.
Philadelphia is a large and populated city, so it’s reasonable to assume traffic may not be the most ideal. In fact, we’ve found the city of Philadelphia on three different traffic congestion indexes.
The INRIX Scorecard shows the following information for Philadelphia traffic:
|INRIX Scorecard for Philadelphia||Details|
|2018 Impact Rank (2017)||69 (67)|
|Hours Lost in Congestion||112 (95)|
|Cost of Congestion (Per Driver)||$1,568|
|Inner City Travel Time (Minutes)||6|
|Inner City Last Mile Speed (mph)||10|
TomTom states that Philadelphia has traffic congestion as seen in the table below:
|TomTom Congestion Data on Philadelphia||Details|
|Extra Travel Time (Morning)||+12 minutes
per 30-minute trip
|Extra Travel Time (Evening)||+15 minutes
per 30-minute trip
According to Numbeo, Philadelphia has the following traffic data:
|Numbeo Traffic Index for Philadelphia||Details|
|Time Index||41.92 minutes|
Because Philadelphia appeared on three major traffic scorecards, it isn’t the best city for traffic. As you can see, drivers waste hours every year sitting in traffic. Numbeo found that about 40 minutes a day are wasted in traffic, which doesn’t make for a fun commute.
Now that you know what the traffic congestion is like in Philadelphia, we’ll briefly touch on who is stuck in traffic.
A majority of individuals have a particular mode of transportation they prefer for their commute. Whether it’s using public transit, carpooling, or driving alone, everyone has their own preference.
In Philadelphia, according to Data USA, the most common method of transportation is to drive alone, at 51.1 percent. This is followed closely by public transit, at 23.8 percent.
There are more vehicles on the road, so the average commute time in Philadelphia is 31.7 minutes, compared to the national average of 25.5 minutes.
How safe are Philadelphia streets and roads?
No place in the nation is completely safe from traffic fatalities. After all, accidents do happen. But it’s good for you to know the fatality statistics for where you live to get a better idea of what tends to cause more traffic fatalities than others.
Philadelphia County has seen the following traffic fatalities, according to the National Highway Transportation Safety Administration.
|Total Fatalities (All Crashes)||97||94||101||94||103|
|Single Vehicle Crash Fatalities||65||66||57||55||65|
|Passenger Car Occupant Fatalities||31||28||29||24||35|
|Roadway Departure Fatalities||38||40||23||29||34|
As you can see, more recently, the most common cause of vehicular fatalities in Philadelphia are single-vehicle crashes, with a reported 65 individuals in 2018 succumbing to it.
Allstate America’s Best Drivers Report
What exactly is the Allstate America’s Best Drivers Report, and why would it be important for you to know about? Basically, this report ranks all of the major metropolitan areas in the country to find out which cities have the best drivers.
They calculate this ranking by finding the average period of time between claims for drivers in that area, as well as the average hard-braking related incidents. So how does Philadelphia rank on this list? Let’s start with the data for which this ranking is calculated for Philadelphia.
Philadelphia citizens typically have 6.3 years between claims.
The national average for this is 10.57 years, so Philadelphia does have a higher claim rate than most other cities in the nation. Now, moving onto hard-braking incidents. In Philadelphia, per every 1,000 miles, there are a recorded 43.9 hard-braking incidents.
Comparing this to the national average of only 19 incidents per 1,000 miles, Philadelphia citizens aren’t doing so hot in this category.
According to this report, Philadelphia is currently ranked as the 190th-safest city to drive in.
What is the weather like in Philadelphia?
Weather conditions can highly vary depending on where you live, which means your vehicle can be exposed to a great range of weather conditions. For instance, you could be more prone to parts of your vehicle melting from hotter temperatures.
Knowing what to expect when it comes to what weather you can expect most often, will help you better protect your vehicle. So what kind of weather is typical of Philadelphia?
According to U.S. Climate Data, Philadelphia typically sees the following weather:
|Annual High Temperature||64.7°|
|Annual Low Temperature||47°|
|Annual Precipitation (Rainfall)||41.45 inches|
So luckily, Philadelphia citizens won’t have to worry about their vehicles melting. But they may need to be more wary of other potential incidents due to the colder temperatures known for the region, such as black ice and difficult driving conditions due to snowfall.
Now, let’s talk about natural disasters to better prepare you for the more common natural disasters you may experience in the region. So what should you know about natural disasters in Philadelphia?
According to City-Data, Philadelphia County has a greater number of natural disasters, at a whopping 21 disasters, than the U.S. average, which is only 13.
The natural disasters have been seen in the Philadelphia area:
- Major Disasters (Presidential) Declared – 15
- Emergencies Declared – six
Causes of natural disasters:
- Hurricanes – six
- Winter Storms – five
- Floods – three
- Snowstorms – three
- Tropical Storms – three
- Storms – two
- Blizzard – one
- Snowfall – one
- Tropical Depression – one
- Water Shortage – one
The highest cause of natural disasters in the Philadelphia area is hurricanes. Since the city is fairly close to the coast, this isn’t too surprising.
Is public transit available in Philadelphia?
Though we mentioned in an earlier section that most people in Philadelphia prefer to drive themselves for their commutes, public transit is readily available in the area. Philadelphia has the sixth-largest public transit system in the entire country — the public transit agency SEPTA.
Per their website, you can travel by many different methods if you purchase a keycard. Methods of transit range to everything from bus, trolley, trackless trolley, Market Frankford Line, Broad Street/Broad Ridge Spur Line, and the Norristown High-Speed Line.
You also can find the fares for passes on their website if you’re looking for a good way to travel around the city.
Is parking easy in Philadelphia?
Aside from traffic, what’s one of the other most frustrating aspects of driving in a big city? Parking. The good news for Philadelphia citizens, however, is that there are plenty of parking options available to you.
How is the air quality in Philadelphia?
We’ve all seen the images on smog in more populated cities. No one wants to see that in their city. Philadelphia has the following air quality according to an EPA Air Quality study:
|Philadelphia Air Quality Index||2017||2018||2019|
|Days with AQI||365||365||304|
|Days Unhealthy for Sensitive Groups||20||16||10|
|Days Very Unhealthy||-||-||-|
The good news is that air quality has steadily started to get better over the past few years in Philadelphia. The bad news? This may not last forever, according to the video below.
Did you know that Philadelphia has a decent number of veterans living in the area? They most commonly served in the following service periods:
- Vietnam – 16,527 individuals
- Gulf War (2001–) – 6,722 individuals
- Gulf War (1990s) – 5,506 individuals
That’s a pretty significant number of veterans, and that’s not even including all of the other service periods. When it comes to your car insurance, military personnel who are both active duty and veterans can qualify for discounts in Philadelphia. Make sure to check out the following companies in Philadelphia to get your military discount:
|Company||Military Discount||Military Garaging|
Philadelphia Car Insurance FAQs
If you still have some questions about car insurance in Philadelphia, we got you covered. We put together the following frequently asked questions about car insurance there.
Are there any income taxes to worry about?
If you live in Philadelphia, there is a city income tax you’ll want to know about.
There is a special city income tax of about 3.9 percent applies to any residents of Philadelphia, and tax of about 3.47 percent applies to those individuals who work in Philadelphia but are not residents.
This tax has been relatively controversial over the past few years and has slowly been decreasing, but don’t expect it to be going anywhere anytime soon, unfortunately.
What is the average cost of living in Philadelphia?
We briefly touched on this earlier, but Philadelphia’s cost of living is relatively comparable to other big cities.
It is currently ranked as the 25th out of 353 for the cost of living in the world, meaning that it’s not cheap to live there.
According to Numbeo, the average cost to live there, not including rent, is about $1,000.54.
What about rent?
We talked heavily about homeownership in an earlier section, but we didn’t really talk too heavily about the costs of renting in Philadelphia. The average cost of renting an apartment in Philadelphia are as follows:
- One-bedroom apartment (in the middle of the city) – $1,200
- One-bedroom apartment (outside of the city) – $750
- Three-bedroom apartment (in the middle of the city) – $2,098
- Three-bedroom apartment (outside of the city) – $1,773
So while it may be less expensive to rent than such cities as New York City or London, it is still vastly more expensive than some other cities.
Is Pennsylvania a no-fault or at-fault state?
A majority of states in the nation fall under at-fault, meaning that if you caused the accident you were in, you are the one (and your insurance provider) who is liable for the costs of that accident.
The state of Pennsylvania, however, is one of a few states in that nation that is considered no-fault.
No-Fault means that regardless of who caused the accident, you will have to rely on your own insurance coverage for the costs of any bodily injuries/property damage you incurred from that accident.
This reason alone should have you running to your local insurance provider for coverage. Why? Because if you don’t have proper insurance coverage, and get into an accident, all of those costs will have to come out of your own pocket.
Is there a minimum liability coverage requirement?
Absolutely. In the state of Pennsylvania, you are required to have minimum liability coverage of 15/30/5. We’ll break this down for you below:
- 15 = $15,000 for the payment of bodily injury/death for one individual in an accident you caused
- 30 = $30,000 for the payment of bodily injury/death for multiple individuals in an accident you caused
- 5 = $5,000 for the payment of property damage in an accident you caused
This is a requirement in order to legally drive in the state, so make sure you have this before you get behind the wheel.
That’s it! You’ve made it to the end of this comprehensive guide. We hope we were able to help better prepare you for making sure your car insurance needs are met for the Philadelphia area.
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