Philadelphia Automobile Insurance

Philadelphia automobile insurance is required to be had by all motor vehicle owners. The minimum amount of coverage required is liability coverage, which is an individual taking financial responsibility if they are involved in an automobile accident. [1]

If an individual is found to be uninsured in an accident or can't produce proof that Pennsylvania automobile insurance exists when asked by a law enforcement officer, the registration privilege of that person is revoked for three months. The only exception is if there was a lapse in insurance coverage that lasts less than 31 days and it is proven that the vehicle was not on the roads in Philadelphia or anywhere else during this short lapse period. [1]

It is also important to note that Pennsylvania has what is called PennDOT, which is the regulatory agency to ensure that all drivers operating motor vehicles are insured. This means that your Philadelphia auto insurance company is required to report when coverage is obtained and if the policy lapses at any time. If it is determined by PennDOT that the automobile was operated during the lapse period, a three month driver's license suspension may result. When seeking to have driving privileges restored, proof of Philadelphia car insurance and a $50 reinstatement fee must be presented. [1]

Even if you have committed past offenses such as DUI, DWI, and was at fault in an automobile accident, it is important to note that you still need to have Philadelphia insurance on your automobile in Pennsylvania. There is no getting out of having your automobile insured.


It is common knowledge that if you obtain some sort of traffic violation that it can interfere with your Philadelphia vehicle insurance. Automobile accidents are not the only events that can occur that interfere with your coverage.

In Pennsylvania, the legal blood alcohol limit is .08%. If you are found to be driving with a blood alcohol content (BAC) above .08%, you will be charged with a DUI. The higher the BAC, the higher the penalties. [2]

As for how a DUI or DWI can affect your Philadelphia automobile insurance, it is quite simple. Everyone in Pennsylvania has what is called a "motor vehicle record" and this record is updated every 3 years. If you are applying for automobile insurance in Philadelphia before a DUI or DWI is reported to your motor vehicle record, then the insurer may not know at the moment that you are what they would consider a "high risk driver."

Nevertheless, once the insurance company in Philadelphia learns of the conviction, they can then classify you as a high risk driver and this will have an influence on your rates. Your premium will go up due to the risk that the insurance company is taking in order to insure you.

It is important to note that an insurer in PA has the right to not insure you. Although it would take a very bad DUI or DWI record to not be awarded coverage, it can happen. However, these instances are usually attributed to those who "don't learn their lesson" and continue to commit offenses. In some cases, an individual can have their driver's license revoked indefinitely, which means no company in PA will be able to insure them because they are not legally permitted to drive.

Automobile Accidents

Accidents in Philadelphia can also have an ill effect on your Philadelphia automobile insurance. This is because automobile accidents are also reported to your motor vehicle record. If you have been in accidents that have been deemed your fault, then you can count on your premium increasing when the Philadelphia auto insurance company finds out about it.

The more automobile accidents you have, the more it is going to affect your premiums. And you need to make sure you are adequately protected for the right price because Philadelphia has been known for its traffic jams and bad intersections. You can be very careful and still make a mistake.

If you truly want to save money on your Philadelphia insurance, the idea is to try and not commit any traffic offenses. It is not enough to simply hope that you don't get caught because getting caught will occur eventually. Over time, you may be able to reduce your premiums as long as no other automobile accidents occur and no convictions take place. However, mistakes do happen, but you can count on paying for those mistakes when they are due to some kind of negligence.

So when it comes to finding affordable Philadelphia automobile insurance, know that your past driving record does play a role. Whether you have a DUI, DWI, or an at-fault accident on your motor vehicle record, you can still achieve affordable rates. Know, however, that you could pay less if those offenses were not there and as long as new offenses are not committed.

[1] 06/09/2010
[2] 06/09/2010


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