The average cost of car insurance in Philadelphia is $3,096 per year, which is $1,424 more expensive than the cost of insurance in Pennsylvania. That said, the cost of car insurance can vary dramatically from one provider to another, so it is always important to compare rates before picking a policy.
Policygenius makes it easy to compare rates from multiple companies, so you can find the coverage that works best for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Philadelphia, PA
Your car insurance premium is calculated based on a series of unique, individual factors. Insurance providers consider the type of driver you are, the kind of car you have, and your credit score. The amount you drive each year also helps determine risk, with high-mileage drivers incurring much more risk, and therefore higher rates, than the occasional driver.
Company | Average cost | JD Power Rating |
|---|---|---|
State Farm | $146/month | 882 |
The Hartford | $149/month | 869 |
Erie | $185/month | 893 |
Nationwide | $187/month | 868 |
GEICO | $198/month | 874 |
Cheapest car insurance rates by ZIP code in Philadelphia, PA
Where you live also impacts the cost of your car insurance policy. Weather-related factors are a major concern for insurance providers. In Philadelphia specifically, fierce winters can bring ice and flood damage, while the summers can be fraught with hurricanes and extreme storms.
Crime is another consideration, with some neighborhoods more susceptible to losses than others. Vandalism, theft, and other crimes can significantly increase your chances of a loss, whether it is a broken window or theft of your entire vehicle.
ZIP code | Average cost |
|---|---|
19118 | $2,466 |
19128 | $2,545 |
19113 | $2,565 |
19127 | $2,614 |
19154 | $2,755 |
19114 | $2,821 |
19116 | $2,839 |
19103 | $2,848 |
19115 | $2,856 |
19102 | $2,871 |
Choosing the right car insurance company in Philadelphia, PA
The average cost of car insurance in Philadelphia is $3,096 per year, significantly more expensive than the average cost of Pennsylvania car insurance, which is $1,672 per year.
A major reason for this is the high amount of crime in this busy metropolitan area — which makes it all the more important for Philadelphia drivers to shop around and compare quotes before picking a policy.
Car insurance rates for drivers with driving violations in Philadelphia, PA
When calculating the cost of your auto insurance, car insurance providers will analyze your record to see what kind of a driver you are. If you have a serious offense on your record, such as racing or reckless driving, you are likely to pay much higher car insurance rates than someone with a clean driving record.
Violation | State Farm | The Hartford | Erie | Nationwide | GEICO |
|---|---|---|---|---|---|
At-fault accident | $2,083 | $2,595 | $3,345 | $3,738 | $4,136 |
Suspended license | $1,921 | $2,389 | $4,012 | $5,660 | $4,118 |
Open container | $1,921 | $2,309 | $2,676 | $3,323 | $4,092 |
Expired registration | $1,921 | $2,309 | $2,676 | $3,323 | $3,488 |
Driving without lights | $1,921 | $2,741 | $2,676 | $3,323 | $3,603 |
Running a red light | $1,921 | $2,309 | $2,676 | $3,323 | $3,603 |
Following too closely | $1,921 | $2,309 | $2,676 | $3,323 | $3,603 |
Hit and run | $1,921 | $2,389 | $4,012 | $5,660 | $3,924 |
Not-at-fault accident | $1,791 | $1,849 | $2,375 | $2,328 | $2,918 |
Passing a school bus | $1,921 | $2,389 | $2,676 | $3,323 | $3,603 |
Reckless driving | $1,921 | $2,741 | $2,676 | $5,660 | $3,924 |
Cheapest car insurance for drivers with a DUI in Philadelphia, PA
Philadelphia drivers pay higher rates for car insurance if they get a DUI or DWI. The average annual cost for car insurance in Philadelphia is $3,096 per year, significantly higher than the Pennsylvania average.
Drivers with a DUI on their record in Pennsylvania pay an average rate of $3,163 per year, but Philadelphia residents could pay anywhere between $1,921 and $5,660 for the cheapest DUI coverage, which is 83% higher than the rates for drivers with a clean driving history.
We found that State Farm, The Hartford, and Erie have the lowest rates for Philadelphia drivers with a DUI on their record.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,921 |
The Hartford | $2,741 |
Erie | $4,012 |
GEICO | $4,092 |
Nationwide | $5,660 |
Cheapest car insurance for drivers with a speeding ticket in Philadelphia, PA
Philadelphia drivers will also pay more for car insurance if they get a speeding ticket. The average cost of insurance for a driver with a speeding ticket in Pennsylvania is $2,169 per year, but drivers in Philly could pay significantly more than that, with rates as high as $3,924 for some of the cheapest available coverage.
We found that State Farm, The Hartford, and Erie offer the lowest rates in Philadelphia for drivers with a speeding ticket on their record.
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,921 |
The Hartford | $2,389 |
Erie | $2,676 |
Nationwide | $3,323 |
GEICO | $3,924 |
Cheapest car insurance for drivers with bad credit in Philadelphia, PA
Insurance companies also look at your credit score when calculating auto insurance premiums. Drivers with lower scores pay more for car insurance than drivers with good credit.
Company | Rates for drivers with bad credit |
|---|---|
USAA | $2,517 |
Nationwide | $3,153 |
State Farm | $3,926 |
Atlantic States Insurance | $4,482 |
GEICO | $4,549 |
Buying car insurance in Philadelphia, PA
Pennsylvania law requires all Philadelphia motorists to maintain a minimum amount of auto insurance coverage. This includes:
Bodily injury liability coverage: $15,000 per person
Bodily injury liability coverage: $30,000 per accident
Property damage liability coverage: $5,000
Drivers may request to reject certain types of required coverage, including the following:
Uninsured motorist coverage of $15,000 per person
Uninsured motorist coverage of $30,000 per accident
Underinsured motorist coverage of $15,000 per person
Underinsured motorist coverage of $30,000 per accident
First party benefits of $5,000
Despite the required car insurance, it is always important to consider full coverage for your vehicle. If you experience a total loss in the future, you could be held financially liable should your losses exceed your auto insurance coverage. It is not worth risking financial devastation by carrying inadequate auto insurance when there are many other ways to lower the cost of your car insurance without sacrificing coverage.
How to get cheap car insurance in Philadelphia, PA
Even when you buy insurance from the cheapest car insurance companies, there are still ways to lower the cost of your auto insurance.
Bundle discounts: You can save big when you buy multiple insurance policies from the same provider.
Safe driving: There are many discounts available when you maintain a clean driving record, successfully complete a defensive driving course, or
Vehicle savings: Earn discounts when you drive a car with safety features, reduce your annual mileage, or enroll in a telematics-based program.
Always be sure to shop and compare quotes from multiple providers so you can find the cheapest car insurance for you at the best price.
Frequently asked questions
What is the average cost of car insurance in Pennsylvania?
The average cost of car insurance in Pennsylvania is $1,672 per year. However, the price you pay may differ, depending on which company you choose.
How much is car insurance in Philadelphia?
The average cost of Philadelphia car insurance is $3,096 per year. Your car insurance premium will be calculated based on several factors, including where you live in the city and your driving record.
What is the cheapest car insurance in Philadelphia?
The cheapest car insurance company in Philadelphia is State Farm, averaging $1,752 per year. However, always be sure to shop and compare car insurance quotes to find the best price for your needs.
