Cheapest Car Insurance in Philadelphia (2026)

The cheapest car insurance in Philadelphia is Westfield at $35 a month for minimum coverage and Travelers at $126 for full. Travelers is also cheapest for teen drivers ($265 monthly) and DUI convictions ($74 minimum). Westfield is cheapest after speeding tickets ($38) and at-fault accidents ($44). Travelers is cheapest for senior drivers ($162 monthly full coverage).

• Cheapest Full Coverage: Travelers $126/month
• Cheapest Minimum Coverage: Westfield Insurance $35/month
• Cheapest for Teens & Young Adult Drivers (16-25): Travelers $265/month
• Cheapest for Senior Drivers (65+): Travelers $162/month
• Cheapest for Drivers with a Speeding Ticket: Westfield Insurance $38/month
• Cheapest for Drivers with an At-Fault Accident: Westfield Insurance $44/month
• Cheapest for Drivers with a DUI: Travelers $74/month

The cheapest car insurance in Philadelphia splits between two companies. Travelers is cheapest for full coverage at $126 a month, 47% below the city average of $237. Nationwide is the second cheapest for full coverage at $171, $45 more than Travelers. For minimum coverage, Westfield is cheapest at $35, while Travelers is the second cheapest at $55.

The buying decision comes down to which coverage level fits your situation. Travelers wins full coverage by a wide margin, while Westfield wins minimum coverage. Philadelphia's vehicle theft rate, 250 per 100,000 residents, nearly four times the national average, makes the case for full coverage stronger here than in most cities.

• Teens & Young Adult Drivers: Travelers at $265 per month
• Adult drivers: Travelers at $126 per month
• Senior drivers: Travelers at $162 per month

Travelers is cheapest for young drivers ages 16 to 25 in Philadelphia at $265 a month ($3,180 annually) for full coverage, with Westfield Insurance the second cheapest at $320, $55 more per month and $660 more per year. Pennsylvania bans gender as a rating factor, so one rate applies at each age regardless of gender.

Teen drivers in Philadelphia pay an average of $385 a month across the five cheapest insurers, more than double the $175 adult average. Travelers' IntelliDrive telematics program can lower the rate at renewal for safe drivers, worth enrolling when first added to a policy.

Travelers is cheapest for Philadelphia seniors at $162 a month ($1,943 annually) for full coverage, with Nationwide the second cheapest at $184, $22 more per month.

With only $22 between them, both Nationwide's SmartRide and Travelers' IntelliDrive telematics programs can lower the rate at renewal for seniors who drive fewer miles and avoid Philadelphia's main highways during peak hours. Both programs can also raise rates if driving scores are poor, so check your score before the monitoring period closes.

Pennsylvania law requires insurers to offer at least a 5% premium reduction on policies where all named policyholders are 55 or older and have completed a PennDOT-approved driver improvement course, with the discount lasting three years. Confirm with your insurer that it applies before your next renewal.

Westfield Insurance is cheapest after speeding tickets ($38 minimum) and at-fault accidents ($44 minimum) in Philadelphia. Travelers is cheapest after a DUI at $74 minimum, $30 less than the next cheapest DUI option.

Pennsylvania uses a tiered DUI system based on blood alcohol content (General Impairment, High BAC and Highest BAC), with each tier determining a different suspension period and SR-22 filing duration. An SR-22 certificate is required after a DUI conviction in Pennsylvania, filed by your insurer with the state, not a separate policy. Speeding tickets, at-fault accidents and texting violations affect Pennsylvania rates for three years.

Westfield's speeding surcharge adds just 9%, from $35 to $38, and its at-fault surcharge adds 26%, from $35 to $44. Those are the narrowest increases in Philadelphia for those violations, meaning Westfield drivers with a ticket or at-fault accident are unlikely to find a cheaper rate elsewhere. After a DUI, the ranking shifts entirely: Travelers at $74 is the cheapest option, $39 above Westfield's clean rate but $30 less than the next cheapest DUI option in Philadelphia.

DUI is the violation where company choice matters most in Philadelphia. For speeding and at-fault violations, get new quotes from Westfield at the three-year mark, since most Pennsylvania insurers clear those surcharges then and the savings do not apply automatically at renewal. After a DUI, Travelers is the first quote to pull regardless of when the surcharge clears.

Philadelphia drivers pay $237 a month for full coverage and $98 for minimum. Pennsylvania's statewide averages are $113 and $46. Philadelphia pays more than double the state average for full coverage, $124 more per month, and $52 more for minimum.

Even the cheapest full coverage option in Philadelphia (Travelers at $126) is $13 above the Pennsylvania state average of $113. Philadelphia is the most expensive car insurance market in Pennsylvania, driven by vehicle theft rates well above state and national averages, accident frequency and an elevated uninsured driver rate.

Philadelphia rates more than double the Pennsylvania state average, but the $93 monthly gap between Travelers ($126) and State Farm ($219) for full coverage shows that company choice matters far more than geography.

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.

We collected car insurance rates for both minimum and full coverage across all residential ZIP codes in Philadelphia, using a baseline adult driver with a clean record. The five companies in this analysis (Travelers, Nationwide, Westfield Insurance, Erie Insurance and State Farm) represent the most affordable carriers operating in Philadelphia. For violation and age profiles, we retained the same five carriers.

Pennsylvania is a choice no-fault state in which every policyholder must elect full tort or limited tort. Full tort preserves the right to sue for pain and suffering after an accident. Limited tort restricts that right unless injuries meet a serious injury threshold. Rates shown reflect full tort policies, which is the default in Pennsylvania.

Pennsylvania's minimum liability coverage is 15/30/5 ($15,000 bodily injury per person, $30,000 per accident, $5,000 property damage). All policies must also carry $5,000 in First Party Benefits (FPB), covering the policyholder's own medical costs after any accident regardless of fault. Pennsylvania uses SR-22 for financial responsibility filings after qualifying convictions, not FR-44. Pennsylvania's DUI system is tiered by BAC level, with the surcharge period and SR-22 filing duration varying by tier.

Pennsylvania does not use gender as an auto insurance rating factor. Credit is a permitted rating factor. USAA is excluded from our analysis because its policies are available only to military members and their families. Read more on MoneyGeek's auto insurance analysis methodology.