Top Agents Near You in Philadelphia, Pa

   Right Agents. Extensive Coverages. Affordable Policies. 

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Jerrold Baylor

 ✔ verified 

Associated Carriers – Berkshire Life Insurance OF America, C.M. Life Insurance, Guardian Insurance and Annuity, Guardian Life Insurance, Massaschusetts Mutual

“Don’t Stress, let us handle your insurance company for you.”

Insurance Products – Life Insurance, Business Insurance

📍Sharon Hill, Pennsylvania, 19079
JoeSpeer Life Insurance - Life insurance agent in georgia

Markeith Fuggs

Associated Carriers – Americo, Aetna, Great Western, American General, Mutual of Omaha, Trans America, John Hancock, Athene, Prosperity

“I’m a man of dignity, honesty and integrity.  I aim to get the best protection for my clients based on their budget.” 

Insurance Products – Life insurance

📍Philadelphia, Pennsylvania, 19124
Robert Sheared

Robert Sheared

Associated Carriers – Farmers, Foremost, Progressive, Bristol West

Insurance Products – Personal insurance, Business Insurance

📍Philadelphia, Pennsylvania, 19104

 Philadelphia is the largest city in the state of Pennsylvania. It also has a good job market and affordable housing rates. However, along with all these perks, the city also carries many risks. Mostly due to the high population density. Therefore, proper insurance is essential to stay covered at all times in Pennsylvania. 

Get started today by connecting with our top P&C and life insurance agents in Philadelphia. 

Why Agency Height?

Local Coverage Expertise- Explore top agents who best understand your location, local laws, and needs.   

The Power to Choose- Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best. 

Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose. 

Popular Coverages in Philadelphia

Philadelphia is the main city in Pennsylvania with high number of residents and equally higher number of businesses operating in the city. 

So, based on the nature of risks and current insurance trends, these are the popular coverage options in Philadelphia: 

Home Insurance 

  • Personal Property   Coverage 
  • Personal Liability 
  • Protection 
  • Dwelling Coverage 
  • Medical Payments Coverage 
  • Additional Living Expenses (ALE)/Loss of Rent 
  • Flood Insurance 

Auto Insurance

  • Bodily Injury Liability 
  • Property Damage Coverage 
  • Uninsured/Underinsured Motorist Coverage 
  • Collision/Comprehensive Coverage  
  • Personal Injury Protection (PIP)

Business Insurance 

  • Business Owners’ Policy (BOP) 
  • General Liability Insurance 
  • Workers’ Compensation Insurance 
  • Professional Liability Insurance 

Life Insurance 

  • Term Life Insurance 
  • Universal Life Insurance 
  • Whole Life Insurance 

Average Insurance Rates in Philadelphia

While insurance rates tend to fluctuate depending on the requirements of the person applying for an insurance policy, here are the average insurance rates in Philadelphia: 

 

Type of Insurance Average Annual Premium Rates
Car Insurance $1217 (minimum coverage) 
Home Insurance $1132 ($250k in dwelling coverage) 

Business Insurance

  • General liability insurance     
  • Commercial auto insurance  

 

  • $1056 
  • $1704
Life Insurance $658

 

Frequently Asked Questions

What is the average cost of car insurance in Philadelphia?

The average cost of car insurance in Philadelphia is $1217 annually for minimum coverage. If you are a car driver in Philadelphia, you can expect to pay more for full coverage.  

  

Why is car insurance expensive in Philadelphia?

Car insurance premiums are higher in Philadelphia because the city lies in Pennsylvania, which is a no-fault state. Also, the city’s population density is high, which is considered a risk factor by insurance providers.  

What kind of business insurance coverage is mandatory in Philadelphia?

Pennsylvania has made it mandatory for businesses to get workers’ compensation and commercial auto insurance for all business vehicles. Hence, businesses operating in Philadelphia must compulsorily involve this coverage in their policy.  

What is the average life insurance cost in Philadelphia?

Philadelphians have to pay $658 annually or $55 monthly for life insurance. The premiums can increase or decrease based on different factors like the type of policy, age, gender, health condition, and more. Hence, consulting with insurance agents in Philadelphia is the best way to get an accurate estimate.  

Is home insurance expensive in Philadelphia?

While home insurance premiums generally tend to be on the lower side in Pennsylvania, Philadelphia has comparatively higher rates. The average cost of home insurance in Philadelphia is $1132 for 250k in dwelling coverage. 

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