Cheap High Risk Car Insurance in Philadelphia


Helping you find high risk car insurance in Philadelphiafast and effortlessly.





High Risk Car Insurance in Philadelphia and What You Need to Know



Motorists believed to be the riskiest tend to fall inside a nonstandard insurance umbrella. For these drivers, finding the high risk car insurance in Philadelphia is a must because of the costs of being a high risk driver. Being a high risk driver does not equate to being a terrible driver. A large subset of drivers are high risk drivers, and lots of them can not get coverage. In case you have been pegged as a high risk motorist and looking for high risk car insurance in Philadelphiashopping around for the best rates is vital since the coverage costs could vary. Though motorists are insured by some insurance companies that are significant, they are concentrated on by many smaller insurers. In any event, whether it using a smaller or major insurance business, we want to offer you the chance to discover the very best rates for high risk car insurance in Philadelphia and the surrounding area.

Lowest Price Increase for High Risk Car Insurance in Philadelphia Compared to Normal Rates

34 %

Lowest Price Increase for High Risk Car Insurance in Philadelphia After 1 DUI

88 %

Highest Price Increase for High Risk Car Insurance in Philadelphia After 1 DUI

137 %

Average Price of Car Insurance in Philadelphia by Driving History



  • 3,841.03

    DUI

    Average Cost of Car Insurance for those with a DUI.

  • 4,504.60

    Reckless Driving

    Average Cost of Car Insurance for those with a reckless driving infraction.

  • 2,671.45

    At-fault Accident (damages less than ,000)

    Average Cost of Car Insurance for those with a an at-fault accident on record.

  • 2,465.48

    Clean Record

    Average Cost of Car Insurance for those with a clean record.


Why You Need High Risk Car Insurance in Philadelphia

There are a couple of reasons why an individual may need a high-risk auto insurance plan. Some automobiles and motorists nowadays are more inclined to get into accidents than others. The truth they're high risk is represented in how much they pay for their car insurance premiums. Your record will ascertain if you need high risk auto insurance. In case you are convicted of driving under the influence (DUI) of alcohol or drugs or have many offenses such as speeding tickets, then you might possibly be considered as a high risk driver, which will typically require you to buy high risk car insurance in Philadelphia. Recent history is now a vital element in determining whether you need high risk car insurance. Locating insurance for the high risk car insurance in Philadelphia for high risk drivers can seem like a daunting task, but it is not hopeless. Meanwhile, an approved defensive driving class will also help bring down costs, especially if you're a new driver. By proving you're engaging in safe practices, telematic programs may also help lower costs.
high risk car insurance Philadelphia PA content image

Tickets or accidents which may have happened within the previous 12 months will weigh more than something that happened five decades back.


What is an SR22 and How to Get a High Risk Car Insurance Policy for One in Philadelphia


It seems like there’s a good deal of confusion regarding SR-22 requirements and how it plays with your current car insurance premiums. Drivers who require an SR-22 in Philadelphia and are eager to get back to the street must know what an SR-22 certification is and the way it impacts their decisions to drive and ultimately choose the right high risk car insurance policy. To make things clear, an SR-22 certificate is a form that's filed and not a sort of insurance. An SR-22 certification verifies that the named person filing the form is taking at the state-mandated responsibility of their car insurance. The insurance carrier that files the SR-22 is guaranteeing that you are going to have a high risk car insurance coverage and are fiscally responsible for any mishaps that may happen. It will also allow the state of Pennsylvania know whether you do aren’t complying with mandates. The only method way of having a SR-22 is through the car insurance company that you are using for your high risk car insurance plan. You can't acquire an SR-22 any other way. Auto insurance providers will typically bill a one-time filing fee for the SR22. If your insurance provider does not recognize the SR-22, or you are uninsured, you are going to need to search for a different provider for your high risk car insurance in Philadelphia. Should you want an SR-22 filed, then you're likely to pay more for auto insurance than you normally would. However, not all is lost. We can help you compare high risk auto insurance quotes to help you find the best possible high risk rates in Philadelphia.

Lowest Price Increase for High Risk Car Insurance in Philadelphia with a SR-22

53 %

Highest Price Increase for High Risk Car Insurance in Philadelphia with a SR-22

188 %


How Accidents Affect Your Minimum Coverage Rates in Philadelphia

Tickets or accidents which may have happened within the previous 12 months will weigh more than something that happened five decades back in the price of your insurance. High risk car insurance is also needed for a group of motorists that are deemed by insurance companies to become more of a threat that was financial. These drivers aren't always considered poor drivers, but they are more costly to cover due to records of payment lapses or insurance gaps.

Age BracketAverage Full Coverage Rate for High Risk Drivers in Philadelphia
High Risk Drivers in Their Teens11,823.60
High Risk Drivers in Their 20s5,387.76
High Risk Drivers in Their 30s4,180.62
High Risk Drivers in Their 40s4,031.61
High Risk Drivers in Their 60s3,825.68



How to Get the Best High Risk Car Insurance in Philadelphia

Comparison shopping is going to be your best friend when it comes to buying high risk car insurance in Philadelphia. Policies differ from each insurance supplier, hence the costs of risk auto insurance premiums will be different. A different insurance provider might only look at the past ten years while one automobile insurance carrier may scrutinize the five years of your driving history. Each will have a means of assessing the threat of special offenses. And that which might be considered of a high-risk category for a single company might not be considered high risk by another. Some car insurance providers even concentrate in supplying high risk car insurance in Philadelphia. These providers understand your struggles and demands better than a standard insurer can. Our agents have expertise in a variety of types of insurance and can help out with helping high-risk drivers to navigate through the different coverage choices so that they can get the best high risk car insurance for their requirements. If you're dreading the notion of spending hours obtaining high risk car insurance quotes from each of the different suppliers, fear not!

Comparison shopping will be your best friend when it comes to buying high risk car insurance in Philadelphia. Policies and every each insurance supplier differ, hence the prices of high risk auto insurance premiums will be different.