Cheapest Auto Insurance in Philadelphia, Pennsylvania (2026)
Philadelphia drivers can find the cheapest car insurance rates from State Farm. The insurer’s rates start at just $105 per month.
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Written byJanet Berry-Johnson
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Janet Berry-JohnsonInsurance Writer, CPA
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
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Danny SmithInsurance Writer
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
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Philadelphia, Pennsylvania, is home to some of the worst traffic congestion in America. In fact, Inrix found that the city has the 10th-highest traffic delay time of cities worldwide.[1]
The city’s heavy traffic is one of the reasons Philadelphia residents pay higher-than-average car insurance rates: $215 per month compared to the national average of $140.
Here’s how to find cost-effective car insurance in the City of Brotherly Love.
Quick Facts
State Farm is the cheapest insurer in Philadelphia for liability policies, while State Farm is the cheapest for full coverage.
Liability-only insurance in Philadelphia costs $160 per month, and full coverage costs $271 per month, on average.
Insurers in Pennsylvania can consider your credit history when determining your rates.
3 of the cheapest car insurance companies in Philadelphia
When buying cheap auto insurance in Philadelphia, one size certainly doesn’t fit all. Your best option depends on different factors, including your driving history, location, vehicle type, and personal coverage needs.
The table above shows three of the most affordable car insurance companies in Philly to provide a starting point for your comparison shopping.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| Foremost | 7.4 | $299 | $97 | New-car owners |
| Mile Auto | 8.8 | $167 | $103 | Low-mileage drivers |
| State Farm | 9.3 | $143 | $103 | Teen drivers |
Disclaimer: Table data sourced from real-time Philadelphia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Philadelphia may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for new-car owners: Foremost
| User Reviews | 3.7 |
|---|
3.7
A solid optionBased on 27 verified driver reviews and ratings
Foremost's score | Industry average | |
|---|---|---|
| Coverage options | 3.5 | 3.2 |
| Customer service | 2.8 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.3 | 2.9 |
How drivers feel about Foremost
Drivers appreciate the professional interactions but dislike the unexpected rate increases and inadequate coverage. Issues with customer service and claim handling are also common.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviews
Verified Review
Reviewed in Alaska on May 9, 2025
Auto policy is not available in Alaska currently. Just home and specialty vehicles like motorcycles. So do your research.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.4A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Foremost is a good choice for new-car owners because you can tailor your coverage to include loan/lease gap coverage, which pays the difference between the actual cash value (ACV) of your car and your remaining loan balance if your car is totaled or stolen.
The company also offers new vehicle replacement coverage, which helps pay for a replacement vehicle of the same make, size, and type if your vehicle is totaled rather than paying out its depreciated value.
Pros
Offers many discounts
Rideshare coverage available
Cons
Can only get a quote in person through an agent
Potentially higher premiums than some insurers
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $130/mo |
4.5
Best choiceBased on 196 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 4.1 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 4.1 | 2.9 |
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 66 Mile Auto reviews
Verified Purchase
Reviewed in Georgia on March 17, 2026
So far, it has been very good.
Verified Review
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Verified Purchase
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Philadelphia’s public transit system, bike-friendly streets, and walkable neighborhoods make it possible for residents to get around quite well without a vehicle.
If you own a vehicle but don’t drive it often, Mile Auto offers pay-per-mile insurance. This allows you to pay a base rate plus a per-mile rate. At the end of each month, you send a picture of your odometer to the company.
Pros
Pay-per-mile insurance plans
No telematics device required
Cons
Limited auto coverage options
Only sells auto insurance, so no bundling of home and auto coverages
Best insurer for teen drivers: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $105/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $182/mo |
4.0
Best choiceBased on 17,079 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 48 Pennsylvania reviews for Philadelphia driversSee all 7,391 State Farm reviews
Verified Review
Reviewed in Pennsylvania on April 15, 2026
Cheap.
Verified Review
Reviewed in Pennsylvania on April 13, 2026
They were better than State Farm by $200, but they raised my rate without even calling me.
Verified Review
Reviewed in Pennsylvania on April 6, 2026
I have been a State Farm customer for 50 years and have not placed a claim for, I would guess, 30 years. They just raised my homeowner's rate by 20% because, according to the agency office, they are raising all condo rates. State Farm is no longer a good neighbor.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is an excellent option for families with teen drivers because it offers a range of policy options and discounts to make car insurance affordable. The company’s Steer Clear program, an educational app-based course for drivers younger than 25, helps policyholders earn discounts on their car insurance. It also offers discounts for maintaining good grades.
Pros
Several available discounts, including those for bundling homeowners, renters, or life insurance
AM Best financial strength rating of A++ (Superior)[2]
Cons
Higher rates than some competitors
Doesn’t offer gap insurance
Find Cheap Car Insurance in Philadelphia
Rates start at $105 per month for liability coverage
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How to get the cheapest car insurance in Philadelphia
Insurance companies consider several factors when setting your rates, including your driving history, age, the type of vehicle you drive, and even your credit history.[3]
However, you can take steps to secure cheap car insurance:
Bundle policies. Many insurance companies offer discounts for bundling car insurance with other types of policies, such as homeowners or renters insurance.
Increase your deductible. Opting for a higher deductible can lower your monthly premiums because you agree to take on more financial responsibility in the event of a claim.
Maintain a clean driving record. A history of accidents or traffic violations can increase your rates significantly.
Shop around. Don’t settle for the first quote you receive. Compare rates from multiple companies to find the best deal.
Cheapest liability-only car insurance in Philadelphia: State Farm
Liability-only car insurance is the minimum coverage Philadelphia law requires. This type of insurance covers injuries and damage you may cause to others in an accident but doesn’t cover damages to your own vehicle.
State Farm offers the cheapest liability-only policies in Philadelphia, at $105 per month. The table below shows the companies offering the lowest average rates for liability-only coverage in the city.
The below rates in Philadelphia, PA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $105 |
| National General | $112 |
| Erie | $121 |
| First Acceptance | $123 |
| Auto-Owners | $130 |
| Travelers | $157 |
| GEICO | $163 |
| Safeco | $166 |
| Direct Auto | $177 |
| Allstate | $182 |
| Bristol West | $192 |
| Root | $202 |
| Nationwide | $206 |
| USAA | $213 |
| Chubb | $246 |
| Liberty Mutual | $251 |
| GAINSCO | $257 |
| CSAA | $311 |
Disclaimer: Table data sourced from real-time Philadelphia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Philadelphia may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Philadelphia: State Farm
Full-coverage car insurance includes liability insurance as well as collision and comprehensive coverage. Collision insurance covers damage to your vehicle from accidents, and comprehensive insurance protects against non-collision incidents like theft, vandalism, or hail damage.
Full coverage is particularly beneficial for drivers with newer or higher-value vehicles, and lenders typically require it for anyone who has a car loan or lease.
Drivers can find the cheapest full-coverage insurance with State Farm, with rates of $105 per month.
To help you find affordable coverage in Philadelphia, here’s a table showing companies with the lowest average rates for full coverage.
The below rates in Philadelphia, PA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $182 |
| Erie | $213 |
| Auto-Owners | $228 |
| National General | $266 |
| Safeco | $275 |
| Travelers | $276 |
| Progressive | $284 |
| GEICO | $285 |
| Liberty Mutual | $311 |
| Allstate | $322 |
| First Acceptance | $322 |
| Root | $340 |
| Nationwide | $363 |
| Direct Auto | $365 |
| Bristol West | $374 |
| USAA | $374 |
| CSAA | $412 |
| Chubb | $432 |
| GAINSCO | $497 |
Disclaimer: Table data sourced from real-time Philadelphia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Philadelphia may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Philadelphia, Pennsylvania drivers
Drivers using Insurify have found quotes as cheap as $40/mo for liability only and $80/mo for full coverage in Philadelphia and other Pennsylvania cities.
*Quotes generated for Insurify users in and around Philadelphia, Pennsylvania within the last 10 days. Last updated on April 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Philadelphia, Pennsylvania within the last 10 days. Last updated on April 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Pennsylvania
All Pennsylvania drivers must have car insurance to show financial responsibility in case of an accident. Pennsylvania is a no-fault state, meaning a driver’s insurance pays for their own damages and injuries, regardless of who was at fault in an accident. However, the state has a unique version of no-fault car insurance.
In Pennsylvania, policyholders have two options: limited-tort coverage or full-tort coverage. Purchasing limited-tort coverage limits your right to receive financial compensation for injuries and other losses when another driver causes the accident.
You’ll pay a higher average annual rate for full-tort coverage, but buying this kind of policy essentially means opting out of the no-fault system. It gives you unlimited rights to financial compensation for injuries and other losses when another driver causes the accident.[4]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 |
If you want more than the minimum insurance requirements in Pennsylvania, consider the following coverages:
Collision coverage
Collision insurance pays for your own vehicle expenses if you’re in a car accident or your car hits a stationary object, like a tree or telephone pole, no matter who’s at fault.
Comprehensive coverage
Comprehensive insurance pays to repair or replace your vehicle after damage from something other than car accidents, like fire, theft, or vandalism.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages if an uninsured or underinsured driver hits your vehicle and causes damages.
Cheapest car insurance for drivers with an incident
In auto insurance, an incident refers to an event that negatively affects your driving record, such as an at-fault accident, speeding ticket, driving under the influence (DUI), or other moving violation.
Insurance companies view drivers with incidents on their record as high-risk, so they increase their car insurance rates.
Shop for Car Insurance in Philadelphia, PA
Monthly rates start at $128 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: National General
Getting a speeding ticket indicates risky driving behavior to car insurance companies, which usually leads to more claims. Each speeding ticket can lead to a rise in premiums when your policy renews.
The cheapest car insurance for Philadelphia drivers with a speeding ticket is $0 per month, from National General.
The table below shows the companies with the best rates for drivers with one speeding ticket on their record and how the rates offered to these drivers compare to those offered to drivers with a clean record.
The below rates in Philadelphia, PA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $105 | $129 |
| First Acceptance | $123 | $144 |
| Erie | $121 | $155 |
| Auto-Owners | $130 | $164 |
| Travelers | $157 | $198 |
| GEICO | $163 | $207 |
| Safeco | $166 | $211 |
| Direct Auto | $177 | $216 |
| Allstate | $182 | $230 |
| Bristol West | $192 | $235 |
| Nationwide | $206 | $259 |
| Root | $202 | $261 |
| USAA | $213 | $267 |
| GAINSCO | $257 | $297 |
| Chubb | $246 | $304 |
| Liberty Mutual | $251 | $310 |
| CSAA | $311 | $394 |
Disclaimer: Table data sourced from real-time Philadelphia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Philadelphia may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: National General
Causing an accident signals to insurance companies that you have a higher likelihood of being involved in future accidents or filing other claims. After an at-fault accident, your insurance company may raise your rates or cancel your policy when it comes up for renewal.
The cheapest car insurance you’ll find in Philadelphia with an accident is from National General, with liability rates of $0 per month.
The table below shows the cheapest Philly insurance companies for drivers with one at-fault accident on their record and how those rates compare to rates for drivers with a clean record.
The below rates in Philadelphia, PA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $105 | $135 |
| First Acceptance | $123 | $153 |
| Erie | $121 | $157 |
| Auto-Owners | $130 | $167 |
| Travelers | $157 | $206 |
| GEICO | $163 | $207 |
| Safeco | $166 | $225 |
| Direct Auto | $177 | $234 |
| Allstate | $182 | $237 |
| Bristol West | $192 | $246 |
| Root | $202 | $263 |
| Nationwide | $206 | $269 |
| USAA | $213 | $278 |
| Chubb | $246 | $318 |
| GAINSCO | $257 | $319 |
| Liberty Mutual | $251 | $324 |
| CSAA | $311 | $454 |
Disclaimer: Table data sourced from real-time Philadelphia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Philadelphia may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is one of the most serious incidents that can affect your car insurance rates. It signals a significant risk to insurers, as it suggests you’re more likely to engage in risky behavior behind the wheel and be involved in costly accidents.
The cheapest car insurance you’ll find in Philadelphia with a DUI is $139 per month, from State Farm.
To illustrate the effect of a DUI on car insurance rates in Philadelphia, here’s a comparison table showing the average rates for drivers with a DUI versus drivers with clean records.
The below rates in Philadelphia, PA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $105 | $139 |
| First Acceptance | $123 | $149 |
| Erie | $121 | $160 |
| Auto-Owners | $130 | $172 |
| Travelers | $157 | $208 |
| GEICO | $163 | $214 |
| Safeco | $166 | $234 |
| Direct Auto | $177 | $234 |
| Allstate | $182 | $241 |
| Bristol West | $192 | $254 |
| Root | $202 | $270 |
| Nationwide | $206 | $273 |
| USAA | $213 | $282 |
| Chubb | $246 | $326 |
| Liberty Mutual | $251 | $332 |
| GAINSCO | $257 | $340 |
| CSAA | $311 | $412 |
Disclaimer: Table data sourced from real-time Philadelphia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Philadelphia may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: National General
Your age can have a big effect on your car insurance rates. While teens and young adults pay high premiums, rates tend to decrease around age 35 as drivers gain experience and pose a lower risk of accidents. However, this trend reverses as drivers reach around age 70 due to the higher risk of accidents associated with aging, such as slower reflexes and deteriorating vision.
The cheapest insurer for senior drivers in Philadelphia is National General, with a cost of $0 per month.
To help senior drivers in Philadelphia find the most budget-friendly insurance, here’s a table showing the insurance companies offering the cheapest average rates for both liability only and full coverage.
The below rates in Philadelphia, PA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $83 | $143 |
| Erie | $93 | $163 |
| Auto-Owners | $103 | $180 |
| First Acceptance | $106 | $278 |
| Travelers | $125 | $220 |
| GEICO | $130 | $226 |
| Direct Auto | $145 | $299 |
| Safeco | $145 | $240 |
| Allstate | $148 | $261 |
| Nationwide | $158 | $278 |
| Bristol West | $160 | $312 |
| Root | $169 | $284 |
| USAA | $173 | $303 |
| Chubb | $186 | $326 |
| Liberty Mutual | $209 | $259 |
| GAINSCO | $220 | $425 |
| CSAA | $247 | $327 |
Disclaimer: Table data sourced from real-time Philadelphia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Philadelphia may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Car insurance rates for teen drivers are typically higher than those for adults, primarily due to young drivers’ lack of driving experience and higher risk of accidents.
The cheapest insurer for teen drivers in Philadelphia is State Farm, with a monthly rate of $200.
Despite their increased risk profile, teens and their families have plenty of ways to find more affordable car insurance. For example, it can be more cost-effective to keep teens on their parent’s insurance policy rather than having a separate policy.
Here’s a table showing the insurance companies offering lower rates for teen drivers in Philadelphia.
The below rates in Philadelphia, PA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $200 | $347 |
| First Acceptance | $214 | $560 |
| Erie | $219 | $386 |
| Auto-Owners | $260 | $455 |
| GEICO | $289 | $505 |
| Travelers | $322 | $565 |
| Safeco | $331 | $548 |
| Bristol West | $333 | $649 |
| Direct Auto | $337 | $696 |
| Root | $344 | $579 |
| Allstate | $354 | $625 |
| USAA | $386 | $678 |
| Nationwide | $395 | $696 |
| Liberty Mutual | $431 | $533 |
| GAINSCO | $452 | $874 |
| Chubb | $498 | $874 |
| CSAA | $570 | $755 |
Disclaimer: Table data sourced from real-time Philadelphia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Philadelphia may vary based on the policy buyer's unique driver profile.
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Philadelphia car insurance quotes by credit tier
In Pennsylvania, insurance companies are allowed to consider credit scores when setting car insurance rates. This practice is based on the correlation between credit scores and the likelihood of filing claims.[3] Generally, drivers with good or excellent credit pay the lowest rates, while drivers with poor credit pay higher rates.
The chart below shows how credit affects car insurance rates in Philadelphia.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $249 |
| Good | $295 |
| Fair | $324 |
| Poor | $489 |
Is car insurance more expensive in Philadelphia?
Yes. Car insurance in Philadelphia tends to be more expensive compared to the national average and to other cities in Pennsylvania.
Philadelphia’s average monthly cost is $215, compared to $119 in all of Pennsylvania and $140 nationally. This disparity is due to various factors, including the city’s dense urban environment, higher rates of traffic accidents, theft, and vandalism, as well as the overall cost of living.
More cities in Pennsylvania
In Pennsylvania’s second-largest city, Pittsburgh, average car insurance rates are lower than in Philadelphia.[5] This difference may be due to Pittsburgh’s smaller population and less congested roads.
The table below shows the average rates for liability-only and full-coverage car insurance coverage in other Pennsylvania cities.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Allentown | $108 | $178 |
| Bethlehem | $85 | $146 |
| Harrisburg | $88 | $151 |
| Lancaster | $79 | $143 |
| Pittsburgh | $85 | $151 |
| Reading | $95 | $163 |
| Scranton | $93 | $161 |
| Wilkes-Barre | $92 | $132 |
Disclaimer: Table data is based on real-time Philadelphia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Philadelphia car insurance FAQs
Finding the right car insurance can be a challenge. Below are answers to some of the most commonly asked questions about car insurance in Philadelphia.
How much is car insurance in Philadelphia?
On average, car insurance in Philadelphia costs $271 per month for full coverage and $160 for liability-only insurance. Your rate depends on factors like your location, driving record, age, and even gender.
Which company has the cheapest car insurance in Philadelphia?
State Farm offers the cheapest car insurance rates in Philadelphia, at $105 per month for liability-only coverage. Philadelphia drivers can also find cheap car insurance from National General and Erie, which have liability rates of $112 and $121 per month, respectively.
What are the best car insurance companies in Philadelphia?
Foremost, Mile Auto, and State Farm are the best car insurance companies in Philadelphia. All have Insurify Quality (IQ) Scores of 3.4 out of 5 or higher and have strong financial strength ratings. The best car insurance company for you may differ since everyone has unique insurance needs and financial situations. Always compare quotes from multiple insurers before choosing a policy.
Why is Philadelphia car insurance so expensive?
Car insurance in Philadelphia is so expensive in part because its traffic is highly congested, and accidents are more likely to occur. Major cities, such as Philly, almost always see higher rates than suburban and rural areas due to the nature of the environment. Your car is simply more likely to sustain damage while in a city than in a suburb.
What are the minimum car insurance requirements in Pennsylvania?
All drivers in Pennsylvania must carry $15,000 per person and $30,000 per accident in bodily injury liability coverage, as well as $5,000 in property damage liability insurance.
Sources
- Inrix. "Inrix 2022 Global Traffic Scorecard."
- Ambest.com. "AM Best Revises Outlooks to Negative for State Farm Mutual Automobile Insurance Company and Certain Subsidiaries."
- Pennsylvania Insurance Department. "How Credit Relates to Insurance."
- Nolo. "Your Guide to Pennsylvania Auto Insurance."
- Cubit. "Pennsylvania Cities by Population."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Janet Berry-JohnsonInsurance Writer, CPA
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert