Car Insurance in Philadelphia

Adult drivers with Travelers pay Philadelphia's cheapest rates at $665 annually for minimum coverage. Young drivers with Travelers face costs of $1,436 per year, 116% more than adults.

Senior drivers from Travelers pay $944 annually, 42% more than adult rates with Travelers. Drivers with a DUI from Travelers pay $885 per year, 33% more than clean-record adults.

Philadelphia offers varying rates across carriers, making comparison shopping essential for finding the best match.

Westfield Insurance provides the cheapest rates in Philadelphia with $420 a year cost for a minimum coverage. Erie Insurance and Travelers offer alternatives at $434 and $665 annually for minimum coverage.

The substantial gap between lowest and average rates demonstrates the critical importance of comparing multiple insurers. Philadelphia's dramatic pricing spread rewards aggressive comparison shopping more than most markets.

Young drivers pay $1,436 annually with Travelers for minimum coverage, substantially less than many markets. Adult drivers from Travelers secure competitive rates at $665 per year.

Senior drivers have multiple competitive options, with Travelers offering $944 annually. The fact that different insurers win for various profiles highlights the importance of comparing quotes.

Philadelphia's varied carrier landscape by age group requires demographic-specific shopping.

Speeding tickets create moderate increases at $460 annually with Westfield Insurance. At-fault accidents result in higher costs at $532 per year with Westfield Insurance.

DUIs create the steepest rate increases at $885 per year with Travelers, a 111% jump over clean-record rates. The steep penalties for violations make maintaining a clean record particularly valuable.

After any violation, investing time in comparing multiple insurers becomes essential.

Travelers leads Philadelphia's market with a MoneyGeek score of 97 out of 100, the highest in the city. The company offers excellent customer experience scores with competitive pricing and minimal complaints, providing comprehensive coverage and strong service.

Erie Insurance delivers outstanding customer satisfaction with a MoneyGeek score of 92 out of 100 and a perfect 5-star customer experience rating. Erie Insurance excels in claims handling and maintains low complaint ratios, making it ideal for drivers wanting premium support.

Both companies balance competitive pricing with exceptional service quality.

Car insurance in Philadelphia costs an average of $1,176 per year for minimum coverage and $2,841 per year for full coverage. These rates significantly exceed the Pennsylvania state average of $600 for minimum coverage.

Travelers offers competitive rates at $665 for minimum coverage. Philadelphia drivers face some of Pennsylvania's highest insurance premiums, making thorough comparison shopping absolutely essential for finding affordable coverage.

In Philadelphia, car insurance rates by ZIP code range from $75 to $305 per month, with ZIP code 19120 being the most expensive and 19118 the cheapest. Check the rates for your ZIP code in the table.

Philadelphia drivers pay some of the highest car insurance rates in Pennsylvania, making affordable coverage tough to find. This step-by-step guide shows you how to secure better rates while maintaining the right coverage for your needs.

Car insurance rates in Philadelphia depend on your driving record, vehicle and credit score. While Travelers and Westfield offer the lowest average premiums in the city, compare quotes from multiple providers to find your best rate.

Looking for cheap car insurance in Philadelphia? Our FAQ section provides straightforward answers to help you find affordable coverage that fits your needs. We break down coverage options, discounts and local requirements so you can make informed decisions about your policy.

Philadelphia drivers pay some of Pennsylvania's highest car insurance rates, with premiums varying dramatically across the city's ZIP codes. We designed our research to find insurers offering the best combination of low rates and quality service for Philadelphia's unique urban driving conditions.

Our research approach: We collected hundreds of thousands of quotes from 12 insurers across all Philadelphia ZIP codes using data from the Pennsylvania Insurance Department and Quadrant Information Services, then scored each company on affordability, customer experience and coverage options.

Why this profile matters for Philadelphia drivers: We used a 40-year-old male (representing the city's median driver age) with a 2012 Toyota Camry LE (a common sedan in Philadelphia), a clean driving record (no accidents or tickets), driving 12,000 miles annually (typical for urban commuters who mix city and highway driving), good credit (what most approved drivers have), a valid license, current insurance and no claims history. This profile represents a stable Philadelphia driver without the rate increases from accidents, tickets or lapses in coverage.

Coverage levels matter in Philadelphia: We compared both minimum coverage ($30,000/$60,000/$25,000 liability, meeting Pennsylvania's legal requirements) and full coverage ($100,000/$300,000/$100,000 liability plus comprehensive and collision with $1,000 deductibles) because Philadelphia's high accident rates and vehicle theft make additional protection valuable. Full coverage protects you from paying out-of-pocket for repairs or replacement after accidents in the city's heavy traffic.

We weighted affordability at 60% because Philadelphia's high premiums strain budgets, making low rates the top priority. Customer experience counted for 30% since Philadelphia drivers need responsive service when navigating claims after urban accidents or theft. Coverage options made up 10% to reward insurers offering flexibility for different driver needs.