Find Cheap Car Insurance In Philadelphia Pennsylvania (2023)


WRITTEN BY: Julia Matseikovich

UPDATED: AUGUST 07, 2023 | 2 MIN READ

Looking for affordable car insurance in the bustling city of Philadelphia, Pennsylvania? You’ve come to the right place! In this guide, we’ll explore the best ways to find cheap car insurance that fits your budget and provides you with the necessary coverage. As of 2023, Philadelphia offers a range of insurance options, allowing you to compare rates from various providers and select the one that suits your requirements. 

Whether you’re a new driver or a long-time resident, understanding the factors that influence car insurance premiums in Philadelphia can help you make informed decisions and potentially save a significant amount of money. So, let’s dive into the world of cheap car insurance in the City of Brotherly Love.

How do the average car insurance rates in Philadelphia, Pennsylvania, compare to the state and U.S. averages?

When it comes to car insurance rates, Philadelphia has unique factors that can influence the premiums you pay. Understanding how these rates compare to the state and national averages is important. Recent data shows Philadelphia’s average annual car insurance rate is approximately $3,316. This figure is higher than the state and national average.

However, it’s essential to consider the specific factors contributing to these rates, such as the city’s population density, traffic congestion, and accident rates. By delving deeper into these factors, you can better understand how car insurance rates in Philadelphia stack up against the state and U.S. averages and make more informed decisions regarding your coverage.

Average Annual Car Insurance Rates In PhiladelphiaAverage Annual Car Insurance Rates In PennsylvaniaAverage Annual Car Insurance Rates In the United States
$3,316$2,241$1,550

How do the city’s average rates compare to other Pennsylvania cities?

Regarding car insurance rates in Pennsylvania, it’s worth exploring how Philadelphia’s average rates compare to those of other cities within the state. While Philadelphia’s average annual car insurance rate is around $3,316, it’s important to note that rates can vary significantly across different cities. For instance, in Pittsburgh, the average annual car insurance rate is approximately $2,241, which is notably lower than Philadelphia’s rate. Other cities in Pennsylvania may also have varying rates based on factors like population, traffic patterns, and accident statistics.

Residents of Philadelphia must consider these variations and compare rates from different cities to ensure they’re getting the best possible deal on car insurance. By researching and understanding the specific factors that influence rates in various Pennsylvania cities, you can make informed decisions about your car insurance coverage and find more affordable options within the state.

CityAverage Pennsylvania Car Insurance CostDifference From Pennsylvania Average
Allentown$1,760-13%
Erie$1,800-10%
Lancaster$1,585-22%
Philadelphia$3,31665%
Pittsburg$1,840-8%

Best cheap car insurance in Philadelphia, Pennsylvania

To secure the best cheap car insurance in Philadelphia, obtaining quotes from multiple providers and considering factors such as coverage limits, deductibles, and available discounts is essential. By weighing these elements alongside the reputation and financial stability of the insurance company, you can make an informed decision that ensures both affordability and reliable coverage for your vehicle in the City of Brotherly Love.

Cheapest Philadelphia, Pennsylvania liability-only auto insurance


For Philadelphia, Pennsylvania, drivers searching for the most affordable liability-only option, Travelers proves to be a compelling choice. With average monthly rates hovering around $60, Travelers offers competitive pricing that can fit within budgetary constraints while providing the necessary liability coverage.


If you’re seeking the most budget-friendly liability-only car insurance in Philadelphia, Pennsylvania, options are available to suit your needs. It’s important to compare quotes from multiple providers and carefully consider the coverage limits and benefits offered. Finding the cheapest liability-only auto insurance ensures that you meet the state’s legal requirements while still obtaining reliable coverage for unexpected situations on the road.

Pennsylvania minimum liability requirements

Before you hit the roads of Philadelphia, it’s important to understand the minimum liability requirements set by the state of Pennsylvania. To legally drive in the state, you must have liability coverage that meets the following minimums: $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage. 

Minimum Liability Requirements in Pennsylvania
Bodily Injury$15,000 per person, $30,000 per accident
Property Damage$5,000

These requirements ensure you have basic protection in case of an accident and comply with Pennsylvania’s laws. It’s crucial to note that these minimums may provide little coverage, and considering higher limits to protect yourself and your assets is often recommended. Always consult your insurance provider to determine the appropriate coverage for your needs and budget.

Cheapest Philadelphia, Pennsylvania, full coverage auto insurance


State Farm is a premier option, boasting an average monthly rate of around $85, making it an attractive choice for affordable car insurance.


When it comes to securing affordable full-coverage auto insurance in Philadelphia, there are several options to consider. Among them, State Farm emerges as a top contender with a monthly rate of $148, providing comprehensive coverage at a competitive price. Travelers follow closely behind with a monthly rate of $157, offering a reliable choice for those seeking cost-effective full-coverage insurance. 

Nationwide comes in at a higher monthly rate of $237, while GEICO and Progressive present rates of $263 and $302, respectively. By comparing these rates and considering the specific coverage and benefits offered by each provider, you can find the cheapest full coverage auto insurance that suits your needs and provides peace of mind on the roads of Philadelphia.

While liability-only coverage may be the most economical choice for drivers in Philadelphia, PA, there may be better options. If you opt for liability-only coverage, evaluating the possibility of increasing your coverage limits and adding uninsured/underinsured motorist coverage for enhanced protection is advisable. However, if your vehicle is worth $5,000 or less and is less than ten years old, carrying full coverage car insurance is likely a more prudent decision.

CompanyMonthly Rate
State Farm$148
Travelers$157
Nationwide$237
GEICO$263
Progressive$302
Allstate$343

Average monthly car insurance cost by zip code


People living in the 19113 and 19128 zip codes pay the least for car insurance in Philadelphia. While those living in the zip code 19140 pay the most. These residents pay 13% more than the state average.


It’s important to note that insurance costs can vary significantly by zip code, depending on factors such as population density, crime rates, and accident statistics. By understanding these variations, residents can better understand the average costs in their area and make informed decisions when selecting car insurance coverage.

Zip CodeAverage Monthly CostDifference from state Average
19102$206-10%
19103$206-10%
19104$225-1%
19106$205-10%
19107$208-9%
19109$224-2%
19110$216-6%
19111$219-4%
19112$2415%
19113$182-21%
19114$205-11%
19115$211-8%
19116$212-7%
19118$187-18%
19119$212-7%
19120$25411%
19121$25612%
19122$2478%
19124$25110%
19125$2426%
19126$25310%
19127$183-20%
19128$182-20%
19129$211-8%
19130$216-6%
19131$2394%
19132$25712%
19133$25511%
19134$2405%
19135$223-3%
19136$214-6%
19137$222-3%
19138$2489%
19139$25110%
19140$26013%
19141$25311%
19142$2509%
19143$2489%
19144$2322%
19145$2384%
19146$224-2%
19147$219-4%
19148$220-4%
19149$225-2%
19150$2311%
19151$2374%
19152$217-5%
19153$2301%
19154$201-12%
19190$221-3%

Philadelphia car insurance premiums for people with previous incidents

If you have previous incidents on your driving record, such as a DUI/DWI, reckless driving, at-fault accidents, or speeding tickets, it’s important to understand how these incidents can impact your car insurance premiums in Philadelphia. On average, a DUI/DWI citation can result in an annual premium of around $3,191, while reckless driving carries an average premium of $2,855. 

At-fault accidents with damages less than $1,000 or less than $2,000 can lead to average premiums of $1,822 and $1,834, respectively. Additionally, a speeding ticket for going 16-20 mph over the speed limit may result in an average premium of $1,901. It’s crucial to note that these are average premiums, and individual rates can vary based on factors such as the insurance provider, the severity of the incident, and the driver’s overall record. 

If you have previous incidents in your driving history, it’s advisable to compare quotes from multiple insurance providers to find the most affordable option that still provides adequate coverage for your specific situation.

Citation TypeAverage Annual Premium
DUI/DWI$3,191
Reckless Driving$2,855
At-fault Accident (damages less than $1,000)$1,822
At-fault Accident (damages less than $2,000)$1,834
Speeding Ticket (16-20 mph over the speed limit)$1,901

Cheapest car insurance options after a speeding ticket


State Farm offers competitive rates and coverage options tailored to accommodate drivers with previous speeding violations, ensuring you can secure the necessary insurance coverage without breaking the bank.


Finding affordable car insurance becomes crucial if you’ve received a speeding ticket in Philadelphia. Let’s explore some of the cheapest car insurance options available for individuals with a speeding ticket on their record. State Farm emerges as a top choice with an average annual premium of $1,908, offering competitive rates and coverage that can fit within your budget. 

Travelers insurance follows closely behind, with an average annual premium of $2,304, providing a cost-effective option for drivers looking to save on insurance costs. Nationwide, Progressive, and Allstate present average annual premiums of $3,420, $3,624, and $4,116, respectively, while GEICO offers a slightly higher average annual premium of $4,416.

Comparing these rates from different providers is essential to find the most affordable car insurance option that suits your needs and budget. Remember that individual rates can vary based on factors such as driving history, coverage limits, and other personal factors. By conducting thorough research and obtaining quotes from multiple insurers, you can secure the cheapest car insurance after a speeding ticket in Philadelphia while maintaining the necessary coverage for peace of mind.

CompanyAverage Annual Premium
State Farm$1,908
Travelers$2,304
Nationwide$3,420
Progressive$3,624
Allstate$4,116
GEICO$4,416

Cheapest car insurance options after an accident


State Farm insurance emerges as the provider with the lowest annual rates for Philadelphia-area drivers with an accident on their record.


If you’ve been involved in an accident in Philadelphia, finding affordable car insurance becomes a priority. Let’s explore some of the cheapest car insurance options available for drivers with an accident on their record. State Farm is a top choice with an average annual premium of $2,064, offering competitive rates and coverage that suit your budget. 

Travelers follow closely behind, with an average annual premium of $2,616, providing a cost-effective option for drivers seeking affordable insurance coverage. Nationwide, Progressive, GEICO, and Allstate present average annual premiums of $4,740, $5,508, $5,820, and $5,856, respectively.

It’s important to compare these rates from different providers to find the most affordable car insurance option that meets your specific needs. Remember that individual rates can vary based on factors such as the accident’s severity, your driving history, and other personal factors. By conducting thorough research and obtaining quotes from multiple insurers, you can secure the cheapest car insurance after an accident in Philadelphia while ensuring you’ve the necessary coverage for peace of mind on the road.

CompanyAverage Annual Premium
State Farm$2,064
Travelers$2,616
Nationwide$4,740
Progressive$5,508
GEICO$5,820
Allstate$5,856

Cheapest car insurance options after a DUI


For Philadelphia-area drivers who have a DUI on their record, State Farm Insurance stands out as the provider offering the lowest annual rates. 


Finding affordable car insurance becomes even more crucial if you have a DUI on your driving record in Philadelphia. Let’s explore the cheapest car insurance options available for individuals with a DUI. State Farm is the top choice, offering the lowest average annual premium of $1,908. With State Farm, you can secure affordable coverage without compromising on quality. 

Travelers insurance follows closely behind with an average annual premium of $2,760, providing a cost-effective option for drivers seeking affordable insurance after a DUI. In some cases, you may be required to purchase SR-22 insurance after a DUI

Remember that rates can vary based on individual circumstances, such as the severity of the DUI offense and other personal factors. It’s crucial to compare quotes from multiple insurance providers to find the most affordable car insurance option that meets your needs while fulfilling the legal requirements in Philadelphia.

CompanyAverage Annual Premium
State Farm$1,908
Travelers$2,760
Nationwide$3,420
Allstate$4,116
Progressive$4,500
GEICO$6,804

Average Philadelphia car insurance rates by gender and marital status

Regarding car insurance rates in Philadelphia, the data reveals interesting insights based on gender and marital status. On average, both men and women experience similar car insurance premiums, with an average annual premium of $2,670 for both genders. However, marital status plays a role in determining rates, with single individuals enjoying slightly lower premiums. Single drivers in Philadelphia have an average annual car insurance premium of $2,451.

It’s important to note that these are average rates, and individual premiums may vary based on additional factors such as driving history, age, and the specific insurance provider. While gender and marital status may impact car insurance rates, drivers must compare quotes from multiple insurers and consider their unique circumstances when selecting the most suitable and affordable car insurance coverage in Philadelphia.

Gender/Marital StatusAverage Annual Car Insurance Premium
Women$2,670
Men$2,670
Single$2451
Married$2451
Widowed$2544
Divorced$2670

Average Philadelphia car insurance rates by credit score

Your credit score can impact your car insurance rates in Philadelphia. The data shows a correlation between credit scores and average annual car insurance premiums. Individuals with poor credit scores tend to have higher premiums, with an average annual premium of $2,915. As the credit score improves, the premiums decrease accordingly. Those with fair credit scores have an average annual premium of $2,155, while individuals with good credit scores enjoy even lower premiums at an average of $2,040. Drivers with excellent credit scores benefit from the lowest average annual premium of $1,856.

It’s important to note that credit score is just one factor considered by insurance companies when determining rates, and other factors such as driving history and age also come into play. However, maintaining a good credit score can help you secure more affordable car insurance rates in Philadelphia. It’s advisable to regularly monitor your credit score and explore ways to improve it to lower your car insurance premiums.

Credit ScoreAverage Annual Premium
Poor$2,915
Fair$2,155
Good$2,040
Excellent$1,856

Cheapest car insurance options in Philadelphia by age

Regarding car insurance rates in Philadelphia, age plays a significant role in determining the premiums. Younger drivers generally face higher rates due to their perceived higher risk, while older and more experienced drivers often enjoy more affordable premiums.

Best car insurance for young drivers


State Farm stands out as the best company for young drivers regarding average annual rates, offering competitive prices of $177 for liability-only insurance coverage and $408 for full-coverage insurance.


Finding affordable car insurance for young drivers in Philadelphia can be challenging, but options are available. Based on the data, Travelers is the top choice for young drivers, offering the lowest average annual rates of $1,752 for liability-only insurance coverage and $4,188 for full-coverage insurance. GEICO follows closely behind, providing competitive rates of $2,052 for liability-only coverage and $6,864 for full-coverage insurance. 

State Farm is another viable option with average annual rates of $2,124 for liability-only coverage and $4,896 for full-coverage insurance. These companies understand the unique needs of young drivers and strive to provide cost-effective coverage while ensuring essential protection on the road. Young drivers in Philadelphia must compare quotes and consider factors such as coverage options, discounts, and customer service when selecting the best car insurance for their specific circumstances.

Insurance CarrierAverage Annual Rates for Liability-Only Insurance CoverageAverage Annual Rates for Full-Coverage Insurance
Travelers$1,752$4,188
GEICO$2,052$6,864
State Farm$2,124$4,896
Nationwide$2,928$7,824
Progressive$2,952$10,860
Allstate$5,016$10,284

Cheapest car insurance options for teen drivers with a traffic violation


With an accident on their record, Philadelphia teen drivers can benefit from Travelers Insurance, which provides the lowest annual rates among insurance providers in the area.


Teen drivers in Philadelphia who have a traffic violation on their record can still find affordable car insurance options. According to the data, Travelers is the top choice, offering the lowest average annual rates for liability-only insurance coverage at $2,088 and full-coverage insurance at $2,508. State Farm is another viable option with average annual rates of $2,316 for liability-only coverage and $2,544 for full-coverage insurance. 

GEICO follows closely behind, providing rates of $2,700 for liability-only coverage and $3,132 for full-coverage insurance. These insurance carriers understand the importance of affordable coverage for teen drivers and strive to provide cost-effective options while ensuring essential protection on the road. Teen drivers in Philadelphia with traffic violations need to compare quotes, consider coverage options, and weigh factors such as discounts and customer service to find the best car insurance that suits their specific needs.

Insurance CarrierAverage Annual Rates For Liability-Only Insurance CoverageAverage Annual Rates For Full-Coverage Insurance
Travelers$2,088$2,508
State Farm$2,316$2,544
GEICO$2,700$3,132
Progressive$2,952$3,408
Nationwide$3,552$3,480
Allstate$5,016$5,952

Factors impacting Philadelphia car insurance premiums

Several factors influence car insurance premiums in Philadelphia. One significant factor is the driver’s personal characteristics, such as age, gender, and marital status. Younger drivers tend to have higher rates due to their perceived higher risk, while older and more experienced drivers may enjoy lower premiums. Additionally, the driver’s driving record plays a crucial role, with a history of accidents, traffic violations, or DUIs resulting in higher premiums. 

The type of coverage chosen, the vehicle’s make and model, the vehicle use frequency, and the driver’s credit score also impact insurance rates. Philadelphia drivers must understand and consider these factors when selecting car insurance to ensure they get the most suitable coverage at a competitive price.

FAQ

What are Philadelphia’s average car insurance rates compared to the state and U.S. averages?

The average annual car insurance in Philadelphia, Pennsylvania, is $3,316. Auto insurance costs in Philadelphia are higher than the national and state averages. 

How do the city’s average rates compare to other Pennsylvania cities?

Philadelphia’s car insurance rates tend to be higher than many other Pennsylvania cities. However, rates may vary based on factors like ZIP code, driving record, and coverage options.

What are the best cheap car insurance options in Philadelphia?

State Farm, Travelers, and GEICO are among Philadelphia’s top choices for affordable car insurance in Pennsylvania. They offer competitive rates and various coverage options suitable for different drivers’ needs.

What are the Pennsylvania minimum liability requirements for car insurance?

In Pennsylvania, drivers must carry minimum liability coverage of at least $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage. Driving without insurance in Pennsylvania could result in significant fines.

How does a driver’s age and credit score impact car insurance rates in Philadelphia?

Younger drivers typically face higher premiums due to their perceived higher risk. Additionally, a driver’s credit score can influence insurance rates, with poor credit scores resulting in higher premiums than excellent ones.

Find cheap car insurance in Philadelphia, Pennsylvania

With many options, finding cheap car insurance is easier than ever. Protect yourself and your vehicle while saving money. Get started now and find the perfect car insurance policy that meets your needs and fits your budget. 


Methodology

AgileRates extracted and analyzed data from the following to provide data in this article.


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