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Why is car insurance so expensive in Philadelphia?
I just relocated to Philadelphia for a new job, but I was not expecting my insurance rates to go through the roof compared to my hometown in Maine! Why is car insurance so expensive in Philadelphia?
Mariza Morin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
- High population density: Philadelphia is the largest city inPennsylvania, with a population of over 1.5 million people. Heavy commuter traffic along with an influx of tourists means more accidents on the road.
- No-fault state: Because Pennsylvania is a no-fault state, drivers must purchasepersonal injury protection (PIP), which can lead to higher premiums.
- Inclement weather: Philadelphia is prone to extreme weather like heavy snowfall, hurricanes, floods, and other severe storms. This can cause more accidents or widespread vehicle damage, which insurers factor into policy prices.
Car insurance is actually cheaper in PA compared to
several other states
. However, Philly drivers pay an average of $3,591 a year—that’s $933 more than the state average of $2,658.View full answer
- Gregory R.
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