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Philadelphia, PA
Dragon Insurance is an independent agency headquartered in Camp Hill and licensed across Pennsylvania, writing for drivers in every Philadelphia ZIP code. We hold appointments with a full carrier panel, including Progressive, GEICO, Liberty Mutual, Plymouth Rock, and The General, and we start every Philadelphia quote with the choice that changes what your policy is actually worth: Limited Tort or Full Tort.
Call for a quote on the spot. Online requests answered within 1 hour on business days.
Quick Answer
Three things make a Philadelphia quote different from the rest of Pennsylvania.
Want the statewide rules before you call? Read our guide to Pennsylvania car insurance requirements and cost.
Curious what an independent agency changes? Read our comparison of independent and captive agents.
Both tort elections quoted, not assumed
You see the Full Tort number and the Limited Tort number on your own policy, from the same carriers, before you choose. Most drivers have never been shown that pair.
PA 15/30/5 read honestly
Pennsylvania's $5,000 property damage minimum will not cover most vehicles on a city street. We show you what raising it costs, which is usually less than drivers expect.
UIM placed, not skipped
Pennsylvania does not require Underinsured Motorist coverage and it can be rejected in writing. We check whether yours was, and price putting it back.
80+ five-star reviews
Pennsylvania clients from Philadelphia to the Susquehanna Valley who stayed with us through renewal instead of shopping again from scratch.
Pennsylvania is one of the few states that makes drivers choose how much of their own legal recourse to keep. Full Tort preserves your unrestricted right to sue an at-fault driver for pain and suffering. Limited Tort surrenders that right except in cases of serious injury as defined by statute, and hands you a lower premium in return, typically around $15 to $25 a month.
Stated that way it sounds like a personal budgeting question. It is not, because the value of what you give up depends entirely on how often you are exposed to the kind of crash that produces lasting pain without producing a statutory serious injury. Philadelphia is the densest urban accident environment in Pennsylvania. A driver on a Roosevelt Boulevard commute and a driver on a quiet county road in the northern tier are making the same election against completely different odds.
Full Tort
Costs more, typically around $15 to $25 a month more
You keep the unrestricted right to sue an at-fault driver for pain and suffering, no injury threshold to clear.
Fits drivers with heavy city mileage, a long commute, or anyone who does not want a statutory test standing between them and a claim.
Limited Tort
Costs less, which is the entire appeal
You give up the right to sue for pain and suffering except in cases of serious injury as defined by Pennsylvania statute. Medical bills, lost wages, and repairs are still recoverable.
Fits low-mileage drivers who genuinely accept the trade and understand where the threshold sits.
How we actually handle it on a Philadelphia quote
We pull your current declarations page and tell you which election you are on right now, because a surprising number of drivers do not know. Then we run both versions across the carrier panel on your exact vehicle and record, so the difference stops being a rule of thumb and becomes a specific monthly figure attached to your name. If the Limited Tort saving on your policy turns out to be small, that is worth knowing before you renew into it for another year.
The election is not the only thing we adjust. Pennsylvania's $5,000 property damage minimum is thin for a city where you can hit a late-model SUV at a Broad Street light, and Underinsured Motorist coverage is optional here and frequently rejected in writing years ago and never revisited. Those three items together usually reshape a Philadelphia policy more than switching carriers for its own sake does.
Pennsylvania requires 15/30/5 liability plus $5,000 in medical benefits, and requires you to make a tort election. Uninsured and Underinsured Motorist coverage must be offered but can be rejected in writing. Here is the law next to what we typically recommend for a driver inside the city.
| Coverage | PA Minimum | Recommended in Philadelphia |
|---|---|---|
| Bodily Injury Liability | $15,000 / $30,000 | $100,000 / $300,000 |
| Property Damage Liability | $5,000 | $50,000 or higher |
| Medical Benefits | $5,000, required on every policy | Raise it. Increments are inexpensive |
| Tort Election | Choice required: Limited or Full Tort | Full Tort for most city drivers |
| Uninsured / Underinsured Motorist | Not required, rejectable in writing | Match your liability limits |
| Comprehensive | Not required | Worth pricing if you park on the street |
| Collision | Not required | Required if the vehicle is financed or leased |
State minimums are the legal floor, not a coverage recommendation. Pennsylvania's $5,000 property damage limit and $15,000 per-person bodily injury limit are both low relative to what a Philadelphia crash can cost. Call us to set limits that match your assets and your tort election.
Philadelphia city and Philadelphia County are coterminous, so a Philadelphia address is a Philadelphia County address. Rating still moves ZIP code to ZIP code inside those shared boundaries. These are the neighborhoods we quote most often.
Rittenhouse Square
19103
Old City
19106
Center City
19107
University City
19104
Fishtown
19125
South Philadelphia
19148
Germantown
19144
Mount Airy
19119
Roxborough
19128
Manayunk
19127
Mayfair
19149
Frankford
19124
See our Philadelphia, PA location page for every line we write in the city, or compare statewide rules and rates on our Pennsylvania auto insurance page.
The questions Philadelphia drivers ask us most, answered without the sales pitch.
Pennsylvania requires 15/30/5 liability: $15,000 bodily injury per person, $30,000 bodily injury per accident, and $5,000 property damage. Every policy must also include at least $5,000 in medical benefits, which pay your own medical bills regardless of who caused the crash. Pennsylvania's minimum property damage limit of $5,000 is among the lowest in the country and will not repair most vehicles on a Philadelphia street today.
It is the most consequential choice on a Pennsylvania auto application. Full Tort keeps your unrestricted right to sue an at-fault driver for pain and suffering. Limited Tort gives up that right except in cases of serious injury as defined by statute, in exchange for a lower premium, typically around $15 to $25 a month. Your economic damages, meaning medical bills, lost wages, and vehicle repair, are recoverable either way. What Limited Tort trades away is the non-economic part of a claim.
No. Pennsylvania does not mandate Uninsured or Underinsured Motorist coverage. Carriers must offer both, and a driver can reject either in writing. Pennsylvania's uninsured driver rate was roughly 9.6 percent according to Insurance Information Institute data for 2022, better than the national figure, but underinsured drivers are the larger practical risk in a state with a $15,000 bodily injury minimum. UIM is what covers the gap when the at-fault driver carried the legal minimum and your injuries exceed it.
Pennsylvania is a choice no-fault state, which is why the tort election exists. Your own medical benefits coverage, at least $5,000, pays your medical bills after a crash regardless of fault. Whether you can also pursue the at-fault driver for pain and suffering depends on whether you elected Full Tort or Limited Tort. Liability for property damage still follows fault in the ordinary way.
MoneyGeek's 2026 analysis puts Philadelphia full coverage at around $237 per month, roughly $2,844 a year, and minimum coverage at around $98 per month, roughly $1,176 a year. Pennsylvania averages are about $117 per month full coverage and $47 minimum, so Philadelphia typically runs close to double the statewide number. MoneyGeek attributes the gap to traffic density, accident rates, and urban vehicle theft. Rates inside the city also vary by ZIP code, so a Roxborough quote and a Mayfair quote on the same vehicle can differ meaningfully.
It depends on how much dense-city driving you actually do and what a pain-and-suffering claim would be worth to you, but the calculation is different in Philadelphia than in rural Pennsylvania. Philadelphia has the state's densest urban accident environment, and Limited Tort matters precisely in the situations that environment produces: low-speed collisions, side-swipes, and rear-end impacts that cause real lasting pain without meeting the statutory serious injury threshold. Saving around $15 to $25 a month is a fair trade for some drivers and a bad one for others. We price both so you can see the actual dollar difference on your own policy rather than guessing.
Density. Philadelphia packs more vehicles, more intersections, and more parked-car exposure into each square mile than anywhere else in the state, and carriers rate territory accordingly. More claims per insured vehicle means higher base rates for everyone in the territory, including drivers with spotless records. That is also why comparing carriers matters more here: territorial pricing models differ sharply between companies, so the spread between the cheapest and most expensive quote for the same Philadelphia driver is usually wider than it would be for the same driver in Lancaster or Camp Hill.
It is worth pricing. Comprehensive is the coverage that responds to theft, break-in glass damage, vandalism, and falling tree limbs, none of which involve you driving at all. A row-home block where every resident parks on the street overnight creates far more of that exposure than a suburban driveway or a garage. Nationally, vehicle thefts fell 23 percent in 2025 to 659,880, so the trend is moving the right way, but a liability-only policy still pays nothing toward your own vehicle in any of those scenarios.
All of them. Philadelphia city and Philadelphia County share identical boundaries, so if you have a Philadelphia address, we can write it. We quote most often in Rittenhouse Square (19103), Old City (19106), Center City (19107), University City (19104), Fishtown (19125), South Philadelphia (19148), Germantown (19144), Mount Airy (19119), Roxborough (19128), Manayunk (19127), Mayfair (19149), and Frankford (19124). Everything is handled by phone and online, so there is no office visit.
Philadelphia, PA
We will quote your Philadelphia policy as Limited Tort and as Full Tort, across the panel, so you can see the real monthly difference before you commit to either. Standard drivers get quoted on the call. Online requests get a reply within 1 hour, Monday to Friday.
80+ five-star reviews · 2,500+ clients served · Independent agency, licensed in Pennsylvania
Blog
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