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Your most affordable car insurance option may differ based on your specific driver profile. Travelers offers the lowest prices for both minimum and full coverage car insurance as well as for drivers with a history of speeding tickets and at-fault accidents. It’s also the cheapest for military personnel, young adults, seniors and sports car owners. State Farm is the cheapest choice for drivers with DUIs, while Nationwide is the most budget-friendly alternative for teen drivers and those with poor credit scores.

MoneyGeek also evaluated the best car insurance providers in Philadelphia that strike an ideal balance between affordability and top-notch service.

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2023

Cheapest Car Insurance in Philadelphia, PA

Cheapest Minimum Coverage Car Insurance in Philadelphia

Our analysis reveals that the cheapest car insurance companies in Philadelphia for minimum coverage policies are:

  • Travelers: $463 per year
  • Erie: $543 per year

Dairyland is the costliest provider in the city, providing a minimum coverage policy of $2,041 annually. On a statewide basis, Westfield offers the cheapest auto insurance in Pennsylvania for minimum coverage at $267 yearly as of October 2022. This disparity highlights the influence of location and population density on the cost of auto insurance.

Company
Annual Premium
Monthly Premium

Travelers

$463

$39

Travelers

$466

$39

Travelers

$487

$41

Erie

$543

$45

State Farm

$545

$45

Erie

$556

$46

Westfield

$566

$47

Westfield

$570

$48

State Farm

$595

$50

American National P&C

$602

$50

Auto-Owners Insurance Co

$604

$50

Auto-Owners Insurance Co

$604

$50

American National P&C

$639

$53

Allstate

$650

$54

Chubb

$651

$54

Nationwide

$666

$56

American National P&C

$675

$56

Allstate

$678

$57

Erie

$679

$57

Auto-Owners Insurance Co

$684

$57

State Farm

$693

$58

Progressive

$741

$62

Progressive

$744

$62

Westfield

$748

$62

Nationwide

$748

$62

Chubb

$809

$67

Allstate

$823

$69

Progressive

$857

$71

GEICO

$865

$72

GEICO

$870

$73

Nationwide

$882

$73

Travelers

$986

$82

GEICO

$1,000

$83

Travelers

$1,032

$86

Nationwide

$1,061

$88

Chubb

$1,132

$94

Travelers

$1,140

$95

State Farm

$1,189

$99

Auto-Owners Insurance Co

$1,216

$101

Nationwide

$1,224

$102

Auto-Owners Insurance Co

$1,271

$106

Allstate

$1,295

$108

State Farm

$1,310

$109

Erie

$1,369

$114

American National P&C

$1,391

$116

Erie

$1,402

$117

American National P&C

$1,441

$120

Nationwide

$1,457

$121

Westfield

$1,458

$122

Allstate

$1,475

$123

Auto-Owners Insurance Co

$1,485

$124

State Farm

$1,526

$127

Westfield

$1,552

$129

American National P&C

$1,708

$142

Erie

$1,715

$143

Dairyland

$1,809

$151

Allstate

$1,814

$151

Chubb

$1,840

$153

Dairyland

$2,041

$170

Westfield

$2,086

$174

Progressive

$2,241

$187

GEICO

$2,273

$189

Chubb

$2,287

$191

Progressive

$2,338

$195

GEICO

$2,377

$198

Dairyland

$2,417

$201

GEICO

$2,887

$241

Progressive

$3,001

$250

Chubb

$3,094

$258

Dairyland

$4,131

$344

Dairyland

$4,736

$395

Dairyland

$5,864

$489

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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The minimum requirements for auto insurance policies in Pennsylvania provide coverage for bodily injuries, property damage and first-person medical benefits, with limits as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
  • $5,000 first party benefits

If you cause $50,000 in third-party injuries in an at-fault accident and you have minimum coverage, your insurer will only cover $30,000. You will be required to pay the remaining $20,000.

Cheapest Full Coverage Car Insurance in Philadelphia

The following companies offer the most affordable full coverage car insurance in Philadelphia:

  • Travelers: $1,032 per year
  • Nationwide: $1,224 per year

Dairyland is the priciest provider of full coverage car insurance in Philadelphia, with an average cost of $4,736 per year. Looking at the state as a whole, Nationwide offers the cheapest full coverage car insurance in Pennsylvania as of October 2022, with an average rate of $580 per year, indicating that Philadelphia has higher rates than other cities in the Keystone State.

Company
Annual Premium
Monthly Premium

Travelers

$463

$39

Travelers

$466

$39

Travelers

$487

$41

Erie

$543

$45

State Farm

$545

$45

Erie

$556

$46

Westfield

$566

$47

Westfield

$570

$48

State Farm

$595

$50

American National P&C

$602

$50

Auto-Owners Insurance Co

$604

$50

Auto-Owners Insurance Co

$604

$50

American National P&C

$639

$53

Allstate

$650

$54

Chubb

$651

$54

Nationwide

$666

$56

American National P&C

$675

$56

Allstate

$678

$57

Erie

$679

$57

Auto-Owners Insurance Co

$684

$57

State Farm

$693

$58

Progressive

$741

$62

Progressive

$744

$62

Westfield

$748

$62

Nationwide

$748

$62

Chubb

$809

$67

Allstate

$823

$69

Progressive

$857

$71

GEICO

$865

$72

GEICO

$870

$73

Nationwide

$882

$73

Travelers

$986

$82

GEICO

$1,000

$83

Travelers

$1,032

$86

Nationwide

$1,061

$88

Chubb

$1,132

$94

Travelers

$1,140

$95

State Farm

$1,189

$99

Auto-Owners Insurance Co

$1,216

$101

Nationwide

$1,224

$102

Auto-Owners Insurance Co

$1,271

$106

Allstate

$1,295

$108

State Farm

$1,310

$109

Erie

$1,369

$114

American National P&C

$1,391

$116

Erie

$1,402

$117

American National P&C

$1,441

$120

Nationwide

$1,457

$121

Westfield

$1,458

$122

Allstate

$1,475

$123

Auto-Owners Insurance Co

$1,485

$124

State Farm

$1,526

$127

Westfield

$1,552

$129

American National P&C

$1,708

$142

Erie

$1,715

$143

Dairyland

$1,809

$151

Allstate

$1,814

$151

Chubb

$1,840

$153

Dairyland

$2,041

$170

Westfield

$2,086

$174

Progressive

$2,241

$187

GEICO

$2,273

$189

Chubb

$2,287

$191

Progressive

$2,338

$195

GEICO

$2,377

$198

Dairyland

$2,417

$201

GEICO

$2,887

$241

Progressive

$3,001

$250

Chubb

$3,094

$258

Dairyland

$4,131

$344

Dairyland

$4,736

$395

Dairyland

$5,864

$489

A full coverage policy adds comprehensive and collision insurance.

  • Collision insurance: This covers damages to your vehicle resulting from an at-fault accident due to a collision with another car or object, such as a tree, fence or light pole.
  • Comprehensive insurance: This covers damages to your vehicle caused by non-collision incidents such as theft, vandalism, animal damage, falling branches, fire, flooding and other severe weather events.

If you own an older, low-value vehicle, paying hundreds of dollars more per year for full coverage may not be worthwhile.

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Cheapest Car Insurance in Philadelphia After a Driving Offense

The following insurance providers offer the cheapest full coverage car insurance in Philadelphia for drivers with offenses:

  • Speeding ticket: Travelers ($1,302 per year)
  • At-fault accident: Travelers ($1,421 per year)
  • DUI: State Farm ($1,475 per year)

Dairyland has the most expensive average annual premiums for drivers with speeding tickets and at-fault accidents, charging an average of $5,994 and $6,539, respectively. Meanwhile, Westfield has the highest rate for drivers with DUIs, with an average premium of $6,551 per year. Driving offenses can significantly raise car insurance premiums, so even the cheapest rates for drivers with violations will still be much higher than for those with clean driving records.

Company
Annual Premium
Monthly Premium

Travelers

$561

$47

Travelers

$564

$47

Westfield

$566

$47

Westfield

$570

$48

Travelers

$591

$49

Erie

$607

$51

Travelers

$619

$52

Westfield

$619

$52

State Farm

$621

$52

State Farm

$621

$52

Erie

$622

$52

Travelers

$624

$52

Westfield

$624

$52

Auto-Owners Insurance Co

$636

$53

Auto-Owners Insurance Co

$636

$53

Allstate

$650

$54

Allstate

$650

$54

Travelers

$653

$54

Travelers

$672

$56

Travelers

$673

$56

State Farm

$677

$56

State Farm

$677

$56

Allstate

$678

$57

Allstate

$678

$57

State Farm

$683

$57

Travelers

$707

$59

Auto-Owners Insurance Co

$721

$60

Progressive

$741

$62

Progressive

$744

$62

State Farm

$745

$62

Westfield

$748

$62

Erie

$761

$63

Erie

$787

$66

State Farm

$789

$66

State Farm

$789

$66

Erie

$811

$68

Westfield

$818

$68

Allstate

$823

$69

Allstate

$823

$69

Progressive

$836

$70

Progressive

$857

$71

American National P&C

$868

$72

American National P&C

$868

$72

State Farm

$868

$72

Progressive

$882

$74

Allstate

$886

$74

American National P&C

$921

$77

American National P&C

$921

$77

Allstate

$922

$77

Progressive

$951

$79

Auto-Owners Insurance Co

$954

$79

Auto-Owners Insurance Co

$954

$80

Erie

$968

$81

American National P&C

$974

$81

American National P&C

$974

$81

American National P&C

$984

$82

Erie

$986

$82

Nationwide

$986

$82

Erie

$999

$83

Chubb

$1,035

$86

Chubb

$1,035

$86

American National P&C

$1,045

$87

Auto-Owners Insurance Co

$1,081

$90

Nationwide

$1,082

$90

American National P&C

$1,106

$92

Allstate

$1,111

$93

Nationwide

$1,137

$95

Progressive

$1,142

$95

Erie

$1,213

$101

Progressive

$1,215

$101

GEICO

$1,225

$102

GEICO

$1,236

$103

Nationwide

$1,239

$103

Nationwide

$1,239

$103

Travelers

$1,249

$104

Progressive

$1,274

$106

Auto-Owners Insurance Co

$1,280

$107

Chubb

$1,286

$107

Chubb

$1,286

$107

Allstate

$1,295

$108

Allstate

$1,295

$108

GEICO

$1,301

$108

Travelers

$1,302

$109

Auto-Owners Insurance Co

$1,337

$111

State Farm

$1,341

$112

State Farm

$1,341

$112

Travelers

$1,370

$114

Nationwide

$1,405

$117

Travelers

$1,421

$118

GEICO

$1,440

$120

GEICO

$1,444

$120

Travelers

$1,447

$121

Westfield

$1,458

$122

State Farm

$1,464

$122

State Farm

$1,475

$123

Allstate

$1,475

$123

State Farm

$1,475

$123

Allstate

$1,475

$123

Travelers

$1,483

$124

GEICO

$1,508

$126

Westfield

$1,552

$129

Erie

$1,552

$129

Travelers

$1,553

$129

Auto-Owners Insurance Co

$1,563

$130

Chubb

$1,565

$130

Nationwide

$1,573

$131

Travelers

$1,578

$132

Erie

$1,589

$132

GEICO

$1,594

$133

Westfield

$1,595

$133

State Farm

$1,609

$134

Westfield

$1,699

$142

GEICO

$1,705

$142

Travelers

$1,717

$143

State Farm

$1,720

$143

State Farm

$1,720

$143

Nationwide

$1,732

$144

Auto-Owners Insurance Co

$1,757

$146

Auto-Owners Insurance Co

$1,757

$146

Nationwide

$1,765

$147

GEICO

$1,795

$150

Auto-Owners Insurance Co

$1,798

$150

Chubb

$1,799

$150

Chubb

$1,799

$150

Allstate

$1,802

$150

Allstate

$1,814

$151

Allstate

$1,814

$151

Nationwide

$1,815

$151

Dairyland

$1,842

$153

Nationwide

$1,852

$154

Auto-Owners Insurance Co

$1,867

$156

State Farm

$1,877

$156

Erie

$1,945

$162

Chubb

$1,945

$162

Erie

$1,968

$164

American National P&C

$1,968

$164

American National P&C

$1,968

$164

Auto-Owners Insurance Co

$1,991

$166

American National P&C

$2,018

$168

American National P&C

$2,018

$168

Nationwide

$2,019

$168

Erie

$2,024

$169

Nationwide

$2,039

$170

Nationwide

$2,048

$171

Allstate

$2,049

$171

Dairyland

$2,080

$173

Westfield

$2,086

$174

Auto-Owners Insurance Co

$2,171

$181

American National P&C

$2,221

$185

Progressive

$2,241

$187

American National P&C

$2,271

$189

Westfield

$2,282

$190

Nationwide

$2,310

$193

Progressive

$2,338

$195

Erie

$2,383

$199

American National P&C

$2,397

$200

American National P&C

$2,397

$200

Erie

$2,458

$205

Dairyland

$2,462

$205

Erie

$2,464

$205

Allstate

$2,513

$209

Dairyland

$2,563

$214

Dairyland

$2,622

$218

American National P&C

$2,701

$225

Chubb

$2,723

$227

Nationwide

$2,774

$231

Dairyland

$2,829

$236

Progressive

$2,861

$238

Dairyland

$2,872

$239

Chubb

$2,924

$244

Chubb

$2,924

$244

Westfield

$2,926

$244

Westfield

$2,931

$244

Dairyland

$2,931

$244

Progressive

$2,968

$247

Erie

$2,985

$249

Progressive

$3,001

$250

Nationwide

$3,014

$251

Dairyland

$3,055

$255

Westfield

$3,108

$259

Auto-Owners Insurance Co

$3,254

$271

GEICO

$3,342

$279

Nationwide

$3,356

$280

Auto-Owners Insurance Co

$3,365

$280

GEICO

$3,428

$286

Progressive

$3,539

$295

Chubb

$3,634

$303

Chubb

$3,634

$303

Progressive

$3,772

$314

GEICO

$3,842

$320

GEICO

$3,870

$323

Auto-Owners Insurance Co

$3,902

$325

Progressive

$3,942

$329

GEICO

$3,996

$333

Dairyland

$4,226

$352

GEICO

$4,308

$359

GEICO

$4,420

$368

Chubb

$4,424

$369

Progressive

$4,525

$377

GEICO

$4,650

$387

Dairyland

$4,849

$404

GEICO

$4,860

$405

Chubb

$4,918

$410

Chubb

$4,918

$410

Chubb

$5,499

$458

Dairyland

$5,761

$480

Dairyland

$5,994

$499

Dairyland

$6,006

$501

Westfield

$6,457

$538

Dairyland

$6,539

$545

Westfield

$6,551

$546

Dairyland

$6,602

$550

Dairyland

$6,856

$571

Westfield

$7,085

$590

Dairyland

$7,347

$612

Chubb

$7,440

$620

Typically, car insurance premiums rise with the severity of the driving violation. In Philadelphia, receiving a speeding ticket results in an average annual increase of $467 in car insurance premiums, whereas a DUI can add an extra $1,433 to your yearly expenses. However, it's still possible to find cheap auto insurance with a bad driving record if you shop around for discounts and compare rates.

Cheapest Car Insurance in Philadelphia for Teens and Their Families

These are the cheapest auto insurance providers in Philadelphia for teenagers included in a family policy:

  • Nationwide: $2,676 per year for male and female teens
  • Travelers: $3,015 per year for male and female teens

With an average rate of $6,755 per year, Progressive has the highest rates for insuring teenagers on a family policy.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$1,228

$3,286

Travelers

$1,228

$3,286

Travelers

$1,370

$3,665

Travelers

$1,370

$3,665

Travelers

$1,400

$4,176

Travelers

$1,400

$4,176

Travelers

$1,439

$3,851

Travelers

$1,439

$3,851

Travelers

$1,552

$4,613

Travelers

$1,552

$4,613

Nationwide

$1,705

$4,212

Nationwide

$1,705

$4,212

Nationwide

$1,776

$3,197

Nationwide

$1,776

$3,197

Auto-Owners Insurance Co

$1,885

$3,499

Auto-Owners Insurance Co

$1,885

$3,499

Auto-Owners Insurance Co

$1,924

$4,957

Auto-Owners Insurance Co

$1,924

$4,957

Travelers

$1,946

$6,767

Travelers

$1,946

$6,767

State Farm

$1,947

$2,979

State Farm

$1,947

$2,979

Nationwide

$1,991

$3,584

Nationwide

$1,991

$3,584

Travelers

$2,008

$5,968

Travelers

$2,008

$5,968

Nationwide

$2,014

$3,972

Nationwide

$2,014

$3,972

Nationwide

$2,082

$3,749

Nationwide

$2,082

$3,749

Auto-Owners Insurance Co

$2,162

$4,013

Auto-Owners Insurance Co

$2,162

$4,013

State Farm

$2,236

$3,421

State Farm

$2,236

$3,421

Auto-Owners Insurance Co

$2,249

$4,703

Auto-Owners Insurance Co

$2,249

$4,703

Nationwide

$2,256

$6,692

Nationwide

$2,256

$6,692

State Farm

$2,301

$4,047

State Farm

$2,301

$4,047

Travelers

$2,323

$8,465

Travelers

$2,323

$8,465

Nationwide

$2,353

$5,812

Nationwide

$2,353

$5,812

State Farm

$2,375

$3,634

State Farm

$2,375

$3,634

Auto-Owners Insurance Co

$2,414

$4,480

Auto-Owners Insurance Co

$2,414

$4,480

Nationwide

$2,422

$8,937

Nationwide

$2,422

$8,937

State Farm

$2,517

$4,518

State Farm

$2,517

$4,518

Nationwide

$2,676

$10,546

Nationwide

$2,676

$10,546

Auto-Owners Insurance Co

$2,690

$8,120

Auto-Owners Insurance Co

$2,690

$8,120

Allstate

$2,708

$4,535

Allstate

$2,708

$4,535

Allstate

$2,744

$3,636

Allstate

$2,744

$3,636

Nationwide

$2,750

$10,149

Nationwide

$2,750

$10,149

Allstate

$2,819

$8,562

Allstate

$2,819

$8,562

Allstate

$2,846

$3,771

Allstate

$2,846

$3,771

Allstate

$2,898

$4,050

Allstate

$2,898

$4,050

Allstate

$2,944

$3,901

Allstate

$2,944

$3,901

Travelers

$2,949

$10,745

Travelers

$2,949

$10,745

State Farm

$2,975

$6,104

State Farm

$2,975

$6,104

Auto-Owners Insurance Co

$2,994

$7,713

Auto-Owners Insurance Co

$2,994

$7,713

Auto-Owners Insurance Co

$2,996

$10,449

Auto-Owners Insurance Co

$2,996

$10,449

State Farm

$3,008

$5,399

State Farm

$3,008

$5,399

Travelers

$3,015

$13,752

Travelers

$3,015

$13,752

Allstate

$3,140

$5,259

Allstate

$3,140

$5,259

Allstate

$3,155

$6,056

Allstate

$3,155

$6,056

Auto-Owners Insurance Co

$3,208

$11,189

Auto-Owners Insurance Co

$3,208

$11,189

State Farm

$3,462

$6,974

State Farm

$3,462

$6,974

Auto-Owners Insurance Co

$3,468

$14,641

Auto-Owners Insurance Co

$3,468

$14,641

State Farm

$3,898

$7,852

State Farm

$3,898

$7,852

State Farm

$3,930

$8,919

State Farm

$3,930

$8,919

Allstate

$3,932

$11,942

Allstate

$3,932

$11,942

Progressive

$3,967

$5,309

Progressive

$3,967

$5,309

Allstate

$4,033

$16,235

Allstate

$4,033

$16,235

GEICO

$4,125

$6,496

GEICO

$4,125

$6,496

GEICO

$4,260

$6,708

GEICO

$4,260

$6,708

GEICO

$4,380

$7,346

GEICO

$4,380

$7,346

GEICO

$4,455

$7,761

GEICO

$4,455

$7,761

GEICO

$4,467

$7,033

GEICO

$4,467

$7,033

Progressive

$4,627

$9,232

Progressive

$4,627

$9,232

Progressive

$4,701

$6,292

Progressive

$4,701

$6,292

GEICO

$4,853

$9,104

GEICO

$4,853

$9,104

GEICO

$4,880

$8,503

GEICO

$4,880

$8,503

Progressive

$4,953

$8,031

Progressive

$4,953

$8,031

Progressive

$5,117

$10,209

Progressive

$5,117

$10,209

Progressive

$5,144

$6,886

Progressive

$5,144

$6,886

Progressive

$5,155

$11,410

Progressive

$5,155

$11,410

GEICO

$5,595

$10,941

GEICO

$5,595

$10,941

Progressive

$5,801

$15,298

Progressive

$5,801

$15,298

GEICO

$6,318

$12,355

GEICO

$6,318

$12,355

GEICO

$6,667

$15,819

GEICO

$6,667

$15,819

Progressive

$6,755

$19,918

Progressive

$6,755

$19,918

Progressive

$6,911

$18,225

Progressive

$6,911

$18,225

Opting to be included in a family policy rather than buying a separate one is a more cost-effective choice for teenagers. Plus, most teens under the age of 18 cannot legally purchase car insurance without the written consent of a parent or guardian. On average, adding a 16-year-old to a family policy costs $2,393. However, the same teenager would have to pay around $4,415 per year if they purchased a separate policy, which is a 46% increase in rates. It is recommended to compare rates from different providers to find the cheapest car insurance for teens.

mglogo icon
MONEYGEEK EXPERT TIP

In Pennsylvania, auto insurance costs do not vary based on gender. Therefore, unlike in most other cities, male teens do not pay more than female teens for auto insurance in Philadelphia. But, many other individual rating factors will influence how much they pay, whether on a family policy or with their own policy. Examples include ZIP code, motor vehicle record, credit history, type of vehicle and miles driven annually. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Philadelphia for Military Drivers

The most affordable car insurance companies in Philadelphia for those with military backgrounds are:

  • Travelers: $1,032 per year
  • Nationwide: $1,224 per year

Exclusively serving the military community, USAA is another option at a competitive rate of $1,276 per year for full coverage car insurance in Philadelphia. For those seeking minimum coverage, Travelers provides the cheapest car insurance for military drivers, with an average annual premium of $463.

GEICO may also be a great choice for auto insurance if you are part of the military community. It has military-specific discounts that may lower your premium significantly.

Company
Annual Premium
Monthly Premium

Travelers

$463

$39

Travelers

$466

$39

USAA

$475

$40

Travelers

$487

$41

USAA

$488

$41

Erie

$543

$45

State Farm

$545

$45

Erie

$556

$46

Westfield

$566

$47

Westfield

$570

$48

USAA

$584

$49

State Farm

$595

$50

American National P&C

$602

$50

Auto-Owners Insurance Co

$604

$50

Auto-Owners Insurance Co

$604

$50

American National P&C

$639

$53

Allstate

$650

$54

Chubb

$651

$54

Nationwide

$666

$56

American National P&C

$675

$56

Allstate

$678

$57

Erie

$679

$57

Auto-Owners Insurance Co

$684

$57

State Farm

$693

$58

Progressive

$741

$62

Progressive

$744

$62

Westfield

$748

$62

Nationwide

$748

$62

Chubb

$809

$67

Allstate

$823

$69

Progressive

$857

$71

GEICO

$865

$72

GEICO

$870

$73

Nationwide

$882

$73

Travelers

$986

$82

GEICO

$1,000

$83

Travelers

$1,032

$86

Nationwide

$1,061

$88

Chubb

$1,132

$94

Travelers

$1,140

$95

State Farm

$1,189

$99

Auto-Owners Insurance Co

$1,216

$101

Nationwide

$1,224

$102

USAA

$1,234

$103

Auto-Owners Insurance Co

$1,271

$106

USAA

$1,276

$106

Allstate

$1,295

$108

State Farm

$1,310

$109

Erie

$1,369

$114

American National P&C

$1,391

$116

Erie

$1,402

$117

American National P&C

$1,441

$120

Nationwide

$1,457

$121

Westfield

$1,458

$122

Allstate

$1,475

$123

Auto-Owners Insurance Co

$1,485

$124

State Farm

$1,526

$127

Westfield

$1,552

$129

USAA

$1,674

$140

American National P&C

$1,708

$142

Erie

$1,715

$143

Dairyland

$1,809

$151

Allstate

$1,814

$151

Chubb

$1,840

$153

Dairyland

$2,041

$170

Westfield

$2,086

$174

Progressive

$2,241

$187

GEICO

$2,273

$189

Chubb

$2,287

$191

Progressive

$2,338

$195

GEICO

$2,377

$198

Dairyland

$2,417

$201

GEICO

$2,887

$241

Progressive

$3,001

$250

Chubb

$3,094

$258

Dairyland

$4,131

$344

Dairyland

$4,736

$395

Dairyland

$5,864

$489

How to Compare Cheap Philadelphia Car Insurance Quotes Online

To discover the most affordable car insurance rates, it's recommended to compare quotes from various providers. However, it typically involves spending at least 15 minutes filling out forms with personal details just to get a quote from one company.

MoneyGeek's car insurance calculator can quickly provide an estimated rate based on your age, driving record, vehicle and preferred coverage levels by analyzing available data from multiple companies.

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See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Cheapest Car Insurance in Philadelphia for Young Adults

MoneyGeek found that these companies offer the cheapest car insurance for young adults in Philadelphia:

  • Travelers: $1,140 per year
  • Nationwide: $1,457 per year

Dairyland is the most expensive car insurance company for young adults, aged 22 to 29, with an average annual premium of $5,864 for a full coverage policy. Young adult drivers in Philadelphia can expect to pay higher rates for car insurance than middle-aged drivers. We found that drivers in their 20s pay an average of $447 more per year for full coverage car insurance than drivers in their 40s.

Company
Annual Premium
Monthly Premium

Travelers

$463

$39

Travelers

$466

$39

Travelers

$487

$41

Erie

$543

$45

State Farm

$545

$45

Erie

$556

$46

Westfield

$566

$47

Westfield

$570

$48

State Farm

$595

$50

American National P&C

$602

$50

Auto-Owners Insurance Co

$604

$50

Auto-Owners Insurance Co

$604

$50

American National P&C

$639

$53

Allstate

$650

$54

Chubb

$651

$54

Nationwide

$666

$56

American National P&C

$675

$56

Allstate

$678

$57

Erie

$679

$57

Auto-Owners Insurance Co

$684

$57

State Farm

$693

$58

Progressive

$741

$62

Progressive

$744

$62

Westfield

$748

$62

Nationwide

$748

$62

Chubb

$809

$67

Allstate

$823

$69

Progressive

$857

$71

GEICO

$865

$72

GEICO

$870

$73

Nationwide

$882

$73

Travelers

$986

$82

GEICO

$1,000

$83

Travelers

$1,032

$86

Nationwide

$1,061

$88

Chubb

$1,132

$94

Travelers

$1,140

$95

State Farm

$1,189

$99

Auto-Owners Insurance Co

$1,216

$101

Nationwide

$1,224

$102

Auto-Owners Insurance Co

$1,271

$106

Allstate

$1,295

$108

State Farm

$1,310

$109

Erie

$1,369

$114

American National P&C

$1,391

$116

Erie

$1,402

$117

American National P&C

$1,441

$120

Nationwide

$1,457

$121

Westfield

$1,458

$122

Allstate

$1,475

$123

Auto-Owners Insurance Co

$1,485

$124

State Farm

$1,526

$127

Westfield

$1,552

$129

American National P&C

$1,708

$142

Erie

$1,715

$143

Dairyland

$1,809

$151

Allstate

$1,814

$151

Chubb

$1,840

$153

Dairyland

$2,041

$170

Westfield

$2,086

$174

Progressive

$2,241

$187

GEICO

$2,273

$189

Chubb

$2,287

$191

Progressive

$2,338

$195

GEICO

$2,377

$198

Dairyland

$2,417

$201

GEICO

$2,887

$241

Progressive

$3,001

$250

Chubb

$3,094

$258

Dairyland

$4,131

$344

Dairyland

$4,736

$395

Dairyland

$5,864

$489

Cheapest Car Insurance in Philadelphia for Seniors

The following are the cheapest auto insurance providers for seniors in Philadelphia:

  • Travelers: $986 per year
  • Nationwide: $1,061 per year

For seniors in Philadelphia, Dairyland is the most expensive auto insurance company, charging $4,131 per year for full coverage. Car insurance rates for older drivers are generally cheaper than for middle-aged drivers. On average, a 40-year-old driver in Philadelphia spends $1,868 per year, while a 65-year-old only pays $1,707 per year. However, rates increase as seniors age into their 70s and 80s due to higher accident frequency.

Company
Annual Premium
Monthly Premium

Travelers

$463

$39

Travelers

$466

$39

Travelers

$487

$41

Erie

$543

$45

State Farm

$545

$45

Erie

$556

$46

Westfield

$566

$47

Westfield

$570

$48

State Farm

$595

$50

American National P&C

$602

$50

Auto-Owners Insurance Co

$604

$50

Auto-Owners Insurance Co

$604

$50

American National P&C

$639

$53

Allstate

$650

$54

Chubb

$651

$54

Nationwide

$666

$56

American National P&C

$675

$56

Allstate

$678

$57

Erie

$679

$57

Auto-Owners Insurance Co

$684

$57

State Farm

$693

$58

Progressive

$741

$62

Progressive

$744

$62

Westfield

$748

$62

Nationwide

$748

$62

Chubb

$809

$67

Allstate

$823

$69

Progressive

$857

$71

GEICO

$865

$72

GEICO

$870

$73

Nationwide

$882

$73

Travelers

$986

$82

GEICO

$1,000

$83

Travelers

$1,032

$86

Nationwide

$1,061

$88

Chubb

$1,132

$94

Travelers

$1,140

$95

State Farm

$1,189

$99

Auto-Owners Insurance Co

$1,216

$101

Nationwide

$1,224

$102

Auto-Owners Insurance Co

$1,271

$106

Allstate

$1,295

$108

State Farm

$1,310

$109

Erie

$1,369

$114

American National P&C

$1,391

$116

Erie

$1,402

$117

American National P&C

$1,441

$120

Nationwide

$1,457

$121

Westfield

$1,458

$122

Allstate

$1,475

$123

Auto-Owners Insurance Co

$1,485

$124

State Farm

$1,526

$127

Westfield

$1,552

$129

American National P&C

$1,708

$142

Erie

$1,715

$143

Dairyland

$1,809

$151

Allstate

$1,814

$151

Chubb

$1,840

$153

Dairyland

$2,041

$170

Westfield

$2,086

$174

Progressive

$2,241

$187

GEICO

$2,273

$189

Chubb

$2,287

$191

Progressive

$2,338

$195

GEICO

$2,377

$198

Dairyland

$2,417

$201

GEICO

$2,887

$241

Progressive

$3,001

$250

Chubb

$3,094

$258

Dairyland

$4,131

$344

Dairyland

$4,736

$395

Dairyland

$5,864

$489

Cheapest Car Insurance in Philadelphia for Poor Credit

These are the providers offering the cheapest full coverage car insurance in Philadelphia for drivers with poor credit:

  • Nationwide: $1,633 per year
  • Auto-Owners: $1,992 per year

Dairyland charges the highest annual rate for full coverage car insurance for those with poor credit, which costs $6,257 on average. In Philadelphia, individuals with a poor credit history typically pay around 73% more for car insurance compared to those with good credit scores, which equates to roughly $1,363 more annually. Despite the higher premiums, you can still get relatively cheap auto insurance with bad credit by shopping around.

Company
Annual Premium
Monthly Premium

Nationwide

$896

$75

Auto-Owners Insurance Co

$946

$79

Auto-Owners Insurance Co

$947

$79

American National P&C

$956

$80

Nationwide

$1,009

$84

American National P&C

$1,015

$85

Chubb

$1,035

$86

Auto-Owners Insurance Co

$1,072

$89

American National P&C

$1,074

$90

Westfield

$1,114

$93

Westfield

$1,118

$93

Allstate

$1,133

$94

Nationwide

$1,175

$98

Allstate

$1,181

$98

State Farm

$1,246

$104

Progressive

$1,249

$104

Progressive

$1,250

$104

Chubb

$1,286

$107

Travelers

$1,318

$110

Erie

$1,329

$111

Travelers

$1,342

$112

Erie

$1,360

$113

State Farm

$1,361

$113

Travelers

$1,398

$117

Nationwide

$1,412

$118

Progressive

$1,416

$118

Allstate

$1,427

$119

Westfield

$1,458

$122

State Farm

$1,586

$132

Nationwide

$1,633

$136

Erie

$1,664

$139

GEICO

$1,762

$147

GEICO

$1,775

$148

Chubb

$1,799

$150

Auto-Owners Insurance Co

$1,907

$159

GEICO

$1,908

$159

Nationwide

$1,933

$161

Auto-Owners Insurance Co

$1,992

$166

Allstate

$2,188

$182

American National P&C

$2,211

$184

American National P&C

$2,290

$191

Auto-Owners Insurance Co

$2,328

$194

Dairyland

$2,401

$200

Allstate

$2,484

$207

Westfield

$2,674

$223

State Farm

$2,688

$224

American National P&C

$2,715

$226

Dairyland

$2,719

$227

Travelers

$2,815

$235

Westfield

$2,837

$236

Chubb

$2,924

$244

State Farm

$2,961

$247

Travelers

$2,973

$248

Allstate

$3,049

$254

Dairyland

$3,208

$267

Travelers

$3,262

$272

Erie

$3,262

$272

Erie

$3,343

$279

State Farm

$3,450

$287

Chubb

$3,634

$303

Westfield

$3,792

$316

Progressive

$3,835

$320

Progressive

$4,000

$333

Erie

$4,089

$341

GEICO

$4,261

$355

GEICO

$4,439

$370

Chubb

$4,918

$410

Progressive

$5,118

$427

GEICO

$5,250

$438

Dairyland

$5,440

$453

Dairyland

$6,257

$521

Dairyland

$7,729

$644

Auto insurance companies typically charge higher rates to drivers with poor credit because they are perceived as more likely to file claims. However, there are several strategies to lower insurance costs if you have bad credit, including finding discounts, bundling policies and comparing quotes from multiple providers. Improving your credit score can also lead to reduced premiums over time.

Cheapest Car Insurance in Philadelphia for Sports Cars

The following companies offer the cheapest car insurance for sports car drivers in Philadelphia:

  • Travelers: $913 per year
  • Nationwide: $1,372 per year

With an average annual rate of $4,661, Dairyland is the most expensive sports car insurance provider in Philadelphia. The type of car you own can significantly impact your insurance premium. Typically, drivers in Philadelphia who own Toyota Camrys pay an average of $1,868 per year for full coverage car insurance. However, owning a Mustang can increase your premium by about 15% to $2,151 annually.

Company
Annual Premium
Monthly Premium

Travelers

$371

$31

Travelers

$375

$31

Travelers

$390

$33

Allstate

$561

$47

State Farm

$565

$47

Allstate

$586

$49

Nationwide

$594

$50

State Farm

$615

$51

Auto-Owners Insurance Co

$628

$52

Auto-Owners Insurance Co

$629

$52

Progressive

$657

$55

Nationwide

$659

$55

GEICO

$683

$57

GEICO

$685

$57

Chubb

$694

$58

Progressive

$701

$58

Auto-Owners Insurance Co

$712

$59

State Farm

$717

$60

Allstate

$719

$60

GEICO

$787

$66

Nationwide

$798

$66

Progressive

$821

$68

Chubb

$861

$72

Travelers

$865

$72

Travelers

$913

$76

Travelers

$1,018

$85

Nationwide

$1,187

$99

Chubb

$1,218

$102

Allstate

$1,290

$107

Auto-Owners Insurance Co

$1,315

$110

Nationwide

$1,372

$114

Auto-Owners Insurance Co

$1,376

$115

State Farm

$1,431

$119

Allstate

$1,499

$125

State Farm

$1,574

$131

Auto-Owners Insurance Co

$1,610

$134

Nationwide

$1,652

$138

Dairyland

$1,669

$139

State Farm

$1,837

$153

Allstate

$1,854

$154

Dairyland

$1,879

$157

GEICO

$1,990

$166

GEICO

$2,089

$174

Chubb

$2,180

$182

Dairyland

$2,229

$186

GEICO

$2,542

$212

Progressive

$2,676

$223

Chubb

$2,706

$226

Progressive

$3,171

$264

Chubb

$3,669

$306

Dairyland

$4,056

$338

Progressive

$4,190

$349

Dairyland

$4,661

$388

Dairyland

$5,792

$483

MoneyGeek analyzed quotes for a Ford Mustang to demonstrate how car insurance rates change for sports cars. However, rates may differ for various models. In Philadelphia, sports, luxury and electric cars are typically more expensive to insure, which is a common trend nationwide.

Average Cost of Car Insurance in Philadelphia

For this analysis, we used full coverage auto insurance policies with bodily injury liability limits of $100,000 per person and $300,000 per accident, along with $100,000 in property damage liability per accident. This policy costs an average of $1,868 annually in Philadelphia. Location, including specific ZIP codes in larger municipalities, is just one of many factors that affect the cost of car insurance.

Full coverage insurance rates in Philadelphia are about $450 higher than the average cost of car insurance in Pennsylvania ($1,418 per year). They are also $603 higher than the national average cost of car insurance ($1,265 per year). Among other cities in Pennsylvania, Philadelphia has the highest auto insurance rates.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Allentown

$1,073

$437

Pittsburgh

$1,093

$423

Philadelphia

$1,868

$772

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.