In Philadelphia, Westfield offers the lowest annual rate for minimum coverage at $420, while Travelers provides the cheapest full coverage at $1,516 per year. Erie, Nationwide and State Farm also offer competitive rates in the city.
Car Insurance in Philadelphia
Updated: August 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
Philadelphia's cheapest car insurance companies are Travelers, Westfield and Nationwide, with savings up to 48% compared to the city average.
Monthly car insurance costs in Philadelphia average $237 for full coverage and $98 for minimum coverage.
To find the best cheap auto insurance in Philadelphia, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Philadelphia?
| Travelers | $55 | $126 | -48% |
| Westfield | $35 | $172 | -41% |
| Nationwide | $75 | $171 | -30% |
| Erie | $68 | $188 | -27% |
| State Farm | $73 | $219 | -17% |
Cheapest Philadelphia Car Insurance by Category
Travelers offers the cheapest car insurance for eight driver categories in Philadelphia. Westfield wins one category with the best rates for drivers with bad credit.
| Young Drivers | Travelers | $120 |
| Adult Drivers | Travelers | $55 |
| Senior Drivers | Travelers | $79 |
| Drivers With an Accident | Travelers | $72 |
| Drivers With a DUI | Travelers | $74 |
| Drivers With a Speeding Ticket | Travelers | $65 |
| Drivers With Bad Credit | Westfield | $79 |
| Drivers With Newer Cars | Travelers | $37 |
| Drivers With Old Cars | Travelers | $41 |
Compare the Cheapest Philadelphia Car Insurance for You
Your driving history and personal details directly affect what you'll pay for car insurance. Use this table to find insurers offering the best rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Travelers | $55 | $665 | -52% |
| State Farm | $73 | $874 | -36% |
| Nationwide | $75 | $900 | -34% |
| Chubb | $76 | $907 | -34% |
| GEICO | $117 | $1,406 | 3% |
Best Car Insurance Companies in Philadelphia
Philadelphia's top car insurance companies are Travelers, Erie, Chubb, Nationwide and Westfield. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Travelers | 97 | 1 | 2 | 5 |
| Erie | 95 | 4 | 1 | 3 |
| Chubb | 87 | 6 | 3 | 6 |
| Nationwide | 87 | 3 | 7 | 5 |
| Westfield | 85 | 2 | 9 | 7 |
Travelers: Best Overall Value
pros
Lowest rates across most driver categories
Strong customer service ratings
Multiple coverage customization options
cons
Limited online tools
Fewer add-on coverage options
COMPANY HIGHLIGHTS
Travelers ranks as Philadelphia's top car insurance provider, offering the most affordable rates for most driver categories. The company stands out with consistently low premiums across various driver profiles, including those with accidents or tickets. Travelers maintains high customer satisfaction scores while providing solid coverage options. The company excels in serving both young and senior drivers with competitive rates.
Erie: Best Customer Service
pros
Top-rated customer experience
Strong coverage options
Local agent support
cons
Higher rates than Travelers
Limited digital tools
COMPANY HIGHLIGHTS
Erie earns the second spot in Philadelphia with outstanding customer service ratings. The company offers personalized support through local agents and provides comprehensive coverage options. While rates run higher than Travelers, Erie makes up for it with superior claims handling and coverage flexibility. The insurer particularly appeals to drivers who value personal service and extensive policy customization.
How Much Is Car Insurance in Philadelphia?
In Philadelphia, minimum coverage costs about $98 per month or $1,176 per year, ranking 1,719th out of all Pennsylvania cities for affordability. Full coverage averages $237 monthly or $2,841 annually, ranking 1,719th among Pennsylvania cities.
| Full Coverage | $237 | $2,841 |
| Minimum Coverage | $98 | $1,176 |
Philadelphia Car Insurance Cost by Category
In Philadelphia, monthly car insurance costs vary from $69 to $544 depending on your driver profile. Check the table below for rates in your category.
| Young Drivers | $232 | $544 |
| Adult Drivers | $98 | $237 |
| Senior Drivers | $127 | $289 |
| Drivers With an Accident | $118 | $291 |
| Drivers With a DUI | $198 | $481 |
| Drivers With a Speeding Ticket | $117 | $289 |
| Drivers With Bad Credit | $222 | $453 |
| Drivers With Newer Cars | $98 | $241 |
| Drivers With Old Cars | $69 | $165 |
Philadelphia Car Insurance Costs by ZIP Code
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 below.
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ZIP Code:19120
| 19120 | $129 | $305 |
Compare Personalized Philadelphia Car Insurance Costs
Find Philadelphia car insurance rates that match your exact profile by filtering the table below based on your age, driving record and other personal factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $89 | $1,062 | 103% |
How to Get the Best Cheap Philadelphia Car Insurance
With Philadelphia drivers facing some of the highest car insurance rates in Pennsylvania, finding affordable coverage can feel overwhelming. Our step-by-step guide will show you how to secure better rates while maintaining the right coverage for your needs.
- 1
Know your coverage needs
Start by understanding how much coverage you require. Your coverage needs depend on your vehicle's value, your assets and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation.
- 2
Explore different coverage types
Familiarize yourself with various types of car insurance available in Philadelphia. Consider pay-per-mile if you drive infrequently or non-owner coverage if you occasionally borrow cars.
- 3
Check average costs in your area
Research average vehicle insurance costs in your Philadelphia neighborhood. Knowing typical rates helps you spot good deals and avoid overpaying. Urban areas have higher rates, so understanding local averages gives you better negotiating power.
- 4
Find all available discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver, good student and anti-theft device discounts can significantly reduce your premium.
- 5
Research insurance company ratings
Check customer reviews and financial strength ratings for insurance companies serving Philadelphia. Focus on insurers with strong claims-handling reputations and good customer service ratings.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites. Comparing multiple quotes helps you find the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance policy. Life changes, driving habits, and insurance rates evolve over time. Regular reviews ensure you maintain the right coverage at the best price for your current situation.
Cheapest Car Insurance in Philadelphia: Bottom Line
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.
Cheap Philadelphia Car Insurance: FAQ
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.
What is the cheapest car insurance company in Philadelphia, Pennsylvania?
Westfield offers Philadelphia's lowest minimum coverage at $420, while Travelers provides the cheapest full coverage at $1,516. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Philadelphia?
Travelers leads Philadelphia's car insurance providers with a MoneyGeek score of 97 out of 100, scoring two points above Erie. Travelers excels in both affordability and quality service.
What is the average cost of car insurance in Philadelphia?
Philadelphia drivers pay $2,841 for full coverage and $1,176 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Philadelphia expensive?
Yes - Philadelphia has expensive car insurance, ranking 1,719th for both minimum and full coverage affordability compared to all other Pennsylvania cities.
How We Chose the Best and Cheapest Car Insurance in Philadelphia, PA
To help Philadelphia drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Pennsylvania Insurance Department and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Pennsylvania to tailor options as closely as possible to you.
Philadelphia Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Philadelphia
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Pennsylvania are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.