The best car insurance in Philadelphia, PA

By

Lena Borrelli

Lena Borrelli

Insurance Expert

Lena Borrelli is a freelance contributor at Policygenius. With a diverse professional background, Lena spent time in finance, web marketing, and hospitality before settling into full-time life as a freelance writer.

Published November 8, 2021

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The average cost of car insurance in Philadelphia is $2,964 per year, but 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.

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Policygenius makes it easy to compare rates from multiple companies, so you can find the coverage that works best for you.

Key Takeaways

  • USAA has the cheapest car insurance rates in Philadelphia at an average of $1,878 per year.

  • GEICO is the second-cheapest car insurance company in Philadelphia

  • Philadelphia drivers are required to carry a minimum amount of car insurance, including bodily injury liability coverage of $15,000 per person and $30,000 per accident with $5,000 of property damage liability coverage.

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

$1,878

881

GEICO

$1,943

871

The Hartford

$2,101

888

Erie

$2,190

880

Nationwide

$2,245

876

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

19102

$2,746

19103

$2,735

19104

$3,184

19106

$2,785

19107

$2,921

19109

$3,108

19110

$2,876

19111

$2,915

Choosing the right car insurance company in Philadelphia, PA

The average cost of car insurance in Philadelphia is $2,964 per year, significantly more expensive than the average cost of Pennsylvania car insurance, which is $1,605 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

GEICO

The Hartford

Erie

Nationwide

At-fault Accident

$2,278

$3,469

$3,028

$2,521

$3,770

DUI

$2,098

$4,022

$3,214

$3,785

$5,731

Driving with a suspended license

$2,098

$2,965

$2,788

$3,785

$5,731

Driving with an open container

$2,098

$4,022

$2,697

$2,521

$3,348

Driving with expired registration

$2,098

$2,786

$2,697

$2,521

$3,348

Driving without Lights

$2,098

$2,901

$3,214

$2,521

$3,348

Failure to show documents

$2,098

$2,786

$2,697

$2,521

$3,348

Failure to stop at a red light

$2,098

$2,901

$2,697

$2,521

$3,348

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

$2,398

Nationwide

$3,172

State Farm

$4,052

GEICO

$4,116

Atlantic States Insurance

$4,280

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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

Who has the lowest car insurance rates in Kansas City?

USAA has the lowest insurance rates in the city, according to our analysis, at an average cost of $746 per year for full coverage.

What is the average cost of car insurance in Pennsylvania?

The average cost of car insurance in Pennsylvania is $1,605 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 Pennsylvania car insurance is $2,964 per year. Your car insurance premium will be calculated based on several factors, including where you live in Pennsylvania and your driving record.

What is the cheapest car insurance in Pennsylvania?

The cheapest car insurance company in Pennsylvania is State Farm, averaging $1,878 per year. However, always be sure to shop and compare car insurance quotes to find the best price for your needs.

Methodology

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.