Getting the cheapest car insurance in Philadelphia requires you to get quotes from different auto insurance companies. Your location, even within the same city, has a direct effect in determining the rates of your car insurance. If you want the most accurate car insurance quotes in Philadelphia, then you have to get a personalized quote that takes into account your unique factors.
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Average Cost of Car Insurance in Philadelphia
Philadelphia$2,134
PA$1,818
U.S.$1,424
The average car insurance rate in Philadelphia is $2,134, which is higher than both the state and national average costs of car insurance. In comparison, the city average is 17.4% more than the average annual cost of car insurance in the state of Pennsylvania. Philadelphia drivers also pay around 49.9% more than the national average.
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The Best Cheap Car Insurance Companies in Philadelphia
On average, USAA provides the most affordable rate among car insurance companies in Philadelphia, with an average premium of $1,102. However, it has strict qualifications for its membership. Only active-duty members of the military, retired veterans, honorably separated former service members and their spouses and children can apply for USAA insurance policies. Meanwhile, Travelers offers the second-most affordable car insurance in Philadelphia at $1,547 on average. In fact, drivers who have coverage from Travelers get around 107.3% cheaper rates compared to those who have a similar policy from Metlife, which is the most expensive car insurance company in the city.
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- CompanyAmountper year
- 1. USAA$1,102
- 2. Travelers$1,547
- 3. GEICO$1,565
- 4. Erie$1,578
- 5. State Farm$1,597
Personalized Quotes to Get You the Cheapest Car Insurance in Philadelphia
Car insurance companies in Philadelphia consider various factors before they finalize the cost. Each car insurance quote depends on the risks associated with the specific driver. Among the factors that they evaluate are the age, gender, ZIP code, driving history and the make and model of the vehicle. These considerations mean that any change in your life’s circumstances can affect your insurance's cost. It is best to get a personalized quote regularly to see if you are qualified to get discounts or rebates. Comparing quotes from different companies can also help you find the best car insurance for you in Philadelphia.
Compare Car Insurance Rates in Philadelphia
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Philadelphia by Coverage Amount
How much car insurance coverage you purchase in Philadelphia also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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Pennsylvania Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
The plan will depend on the limits of the type and level of coverage. The minimum state liability requirement is $5,000 medical benefits or PIP, $5,000 property damage, and either $15,000 per person or $30,000 per accident for bodily injury liability. You can opt for a 50/100/50 liability-only or full-coverage plan. If you choose this plan, you can get coverage for $50,000 for medical bills, with $100,000 total per vehicle and $50,000 for property damage liability.
Geico is among the car insurance companies in Philadelphia that offer all of these options. Their state minimum liability-only coverage costs an average of $639 and their 50/100/50 liability only costs $871. Adding $515 could get you a full-coverage policy that includes accident expenses.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$412$537
- 2. GEICO$639$871
- 3. Erie$680$861
- 4. State Farm$773$976
- 5. Travelers$950$1,114
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$1,014$1,102
- 2. GEICO$1,387$1,565
- 3. Erie$1,498$1,578
- 4. State Farm$1,465$1,597
- 5. Travelers$1,500$1,547
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Cheapest Car Insurance in Philadelphia if You Have Tickets
An individual with moving violations on their driving record will get higher insurance rates compared to drivers with clear records. For example, a State Farm policyholder in Philadelphia with a DUI may pay $1,741. This is $144 higher than the average cost for a driver with no violations. If you are a State Farm customer and have been involved in an accident where you are at fault, the cost of your insurance coverage may rise to $1,885.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. USAA$1,229$1,553$1,473
- 2. State Farm$1,741$1,885$1,741
- 3. Erie$1,637$2,023$2,408
- 4. Nationwide$1,926$2,431$1,926
- 5. Allstate$2,157$2,773$2,157
Average Cost of Car Insurance by Postal Code
Aside from the state where you live, your ZIP code can also have an impact on the cost of your car insurance. In Philadelphia, the most affordable neighborhood in the city is 19148. Drivers residing there pay around $1,984 for annual car insurance premiums, which is $286 less than the rate for those in the most expensive ZIP code, 19140.
- Zip CodeState Minimumper year
- 19148$1,984
- 19111$2,005
- 19149$2,023
- 19134$2,117
- 19124$2,204
top ratedCar Insurance agentsPhiladelphia2021Top Agents Offering Affordable Car Insurance in Philadelphia
1. Laughlin1210 S Broad St, Philadelphia, PA, 19146
2. Judd Greenberg - State Farm Insurance Agent1546 South St, Philadelphia, PA, 19146
3. Main Line Risk Management7300 City Ave, Ste 150, Philadelphia, PA, 19151
4. Nigro Insurance Agency1010 N Hancock St, Philadelphia, PA, 19123
5. Freedom Insurance Group3308 Grant Ave, Philadelphia, PA, 19114
Insurance Providers That Serve Philadelphia
Factors That Impact Insurance Costs in Philadelphia
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Philadelphia. How Philadelphia ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Philadelphia could save you $587, which is enough to buy:
196Cups of Coffee
45Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Philadelphia are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Philadelphia
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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