120+ more*Quotes generated for Insurify users in and around Philadelphia, Pennsylvania within the last 10 days. Last updated on July 10, 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 July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
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Updated
State Farm is the cheapest overall insurer for Philadelphia drivers. National General also offers competitive rates.
Philadelphia car insurance rates are roughly 80% higher than the Pennsylvania state averages.
Nearly two-thirds of Pennsylvania auto thefts occur in Philadelphia, forcing insurance rates higher.
The overall average cost of car insurance in Philadelphia is $219 per month. That’s approximately 80% higher than the state average for car insurance in Pennsylvania, which is $125 per month.
Philadelphia drivers pay an average of $158 per month for liability-only coverage and $279 per month for full-coverage car insurance.
Rates are higher in Philadelphia because the city is No. 1 in the state for population, first for auto theft, and third for car crashes.[1] [2] [3]
Here’s how Philadelphia’s average car insurance cost compares to the average for the entire state of Pennsylvania.
Car Insurance Costs in Philadelphia vs. Pennsylvania | Average Monthly Quote |
|---|---|
| Philadelphia average | $219 |
| Pennsylvania average | $125 |
The cheapest car insurance company in Philadelphia for liability-only coverage is State Farm. For a full-coverage insurance policy (including collision and comprehensive coverage), the best rates in Philadelphia are from State Farm.
Since rates vary by ZIP code (and Philadelphia has dozens), compare multiple quotes to get the best car insurance for your needs.
Rates start as low as $86/mo. for minimum coverage
In Philadelphia, rush-hour traffic pauses only briefly for lunch. Drivers here know that trying to travel North Broad Street, Interstate 76, or I-676 during daylight hours could add a significant amount of time to your trip, not to mention stress to your day. During heavy travel times on the city’s busiest corridor (I-76 west of the city), speeds fall to just 23 mph, according to research firm INRIX.
As one of the most congested cities in the world, Philadelphia can be a challenging place to drive, even for experienced drivers. A high volume of traffic also means a high volume of car accidents, some of which can be deadly. The Pennsylvania Department of Transportation reported 133 fatal accidents in 2024, out of nearly 7,500 crashes in the city.
If you plan to drive in Philadelphia, build in extra time and pay attention to the many one-way traffic signs that might alter your expected route. Double-parked cars, pedestrians, and cyclists add more hazards to watch out for.
In addition to the risk of accidents, Philadelphia drivers also need to stay alert for theft. Authorities reported 12,306 auto thefts in the city in 2024, which places Philadelphia No. 7 in the nation for stolen vehicles.
The Honda Accord is the most commonly stolen vehicle in Philadelphia. In 2025, the Philadelphia Police Department launched a public information effort to increase awareness of auto theft risks.
The increased risk of theft in Philadelphia is part of the reason the city experiences such high insurance rates and why many drivers opt to add uninsured/underinsured motorist coverage.
Philadelphia is the most expensive city in Pennsylvania for car insurance. Across the state in Pittsburgh, the second-largest city in Pennsylvania, drivers pay almost half what Philly drivers do: $86 monthly for minimum coverage compared to $158 in Philadelphia.
That’s partly because Philadelphia’s population is about five times larger, at 1.6 million compared to 308,000. But it’s also because Philadelphia has some of the highest incidences in the state for car crashes, including fatal crashes.[4] Theft also drives up Philadelphia auto insurance rates. Auto thefts jumped sharply in Philadelphia in 2023 and remain elevated compared to prior years, according to crime data from the district attorney’s office.
The following table shows the average car insurance rates by city in Pennsylvania.
City | Average Monthly Quote |
|---|---|
| Allentown | $142 |
| Altoona | $106 |
| Bethlehem | $115 |
| Bristol | $144 |
| Chambersburg | $109 |
| Chester | $183 |
| Erie | $120 |
| Hanover | $101 |
| Harrisburg | $124 |
| Lancaster | $111 |
| Philadelphia | $219 |
| Phoenixville | $119 |
| Pittsburgh | $121 |
| Pottsville | $115 |
| Reading | $130 |
| Scranton | $130 |
| State College | $96 |
| Wilkes-Barre | $116 |
| York | $115 |
As one of the oldest cities in the U.S., Philadelphia wasn’t designed to accommodate modern traffic. Bottlenecks frequently clog up major arteries like the Schuylkill Expressway, the 21-mile stretch of I-76 connecting Philadelphia’s Center City to the suburbs and beyond.
Philadelphia’s official average commute is just over half an hour, according to Federal Reserve economic data. But rush-hour traffic and the city’s notably congested roadways can delay your travel significantly.
Philadelphia drivers should also anticipate speed cameras along several risky stretches of Roosevelt Boulevard, part of a yearslong effort to curb dangerous driving and reduce accidents.
Philadelphia’s stop-and-go highway traffic certainly contributes to its high car insurance rates, but so do factors like crime.
Nearly two-thirds, or 64%, of Pennsylvania’s 24,658 auto thefts occurred in Philadelphia in 2024. But it’s worth noting that auto thefts have fallen 35% in Philly as of 2024, according to the Pennsylvania Auto Theft Prevention Authority (ATPA).
The average rate for minimum-coverage car insurance in Philadelphia is $158 per month, according to Insurify data. Drivers looking for cheap liability-only insurance in Philadelphia may find affordable auto insurance rates by comparing quotes from multiple companies.
Pennsylvania’s minimum liability requirements include coverage limits of $15,000 in bodily injury liability per person, $30,000 per accident, and $5,000 in property damage liability.[5] Although 65% of Philadelphia drivers own their vehicles outright and are legally able to choose minimum coverage, it’s a good idea to consider higher liability limits. The high cost of labor and parts in the area means an accident can easily result in more than $5,000 in damages.
The following table shows the cheapest rates for liability-only car insurance in Philadelphia.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $86 |
| National General | $96 |
| Erie | $98 |
| First Acceptance | $103 |
| Auto-Owners | $107 |
| Progressive | $117 |
| Travelers | $128 |
| GEICO | $133 |
| Safeco | $137 |
| Direct Auto | $144 |
| Allstate | $149 |
| Bristol West | $158 |
| Root | $172 |
| USAA | $175 |
| Dairyland | $186 |
| Chubb | $201 |
| Liberty Mutual | $210 |
| GAINSCO | $215 |
| State Auto | $235 |
| CSAA | $280 |
Many drivers opt for full-coverage car insurance in Philadelphia to protect against risks that state-minimum liability insurance doesn’t cover, like auto theft. The average annual vehicle theft rate in the city is about two cars stolen per 1,000 residents — much higher than the national average, according to CrimeGrade.org.
In Philadelphia, the average rate for full car insurance coverage is $279 per month. The table below shows the cheapest rates for full-coverage car insurance in Philadelphia.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $145 |
| Erie | $168 |
| Auto-Owners | $180 |
| Plymouth Rock | $196 |
| National General | $215 |
| Travelers | $217 |
| Safeco | $219 |
| GEICO | $224 |
| Liberty Mutual | $249 |
| Progressive | $251 |
| Allstate | $254 |
| First Acceptance | $258 |
| Root | $280 |
| Direct Auto | $284 |
| Bristol West | $289 |
| USAA | $296 |
| Chubb | $342 |
| GAINSCO | $391 |
| State Auto | $398 |
| CSAA | $413 |
| The General | $452 |
| Dairyland | $459 |
*Quotes generated for Insurify users in and around Philadelphia, Pennsylvania within the last 10 days. Last updated on July 10, 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 July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
About 2.4% of Philadelphia drivers have a ticket in their driving history, Insurify data shows. Your driving record, in addition to your credit, has a big effect on your rates.
In Philadelphia, you could receive a ticket without realizing it. Drivers on Roosevelt Boulevard, Broad Street, and parts of Old York Road are subject to automated speeding enforcement, with speeding ticket fines ranging from $100 to $150.[6]
The table below shows the cheapest rates for drivers with a speeding ticket in Philadelphia.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $104 |
| National General | $114 |
| First Acceptance | $117 |
| Erie | $124 |
| Progressive | $133 |
| Auto-Owners | $133 |
| Travelers | $159 |
| GEICO | $167 |
| Safeco | $172 |
| Direct Auto | $173 |
| Allstate | $185 |
| Bristol West | $190 |
| Root | $195 |
| USAA | $216 |
| Dairyland | $220 |
| Chubb | $245 |
| GAINSCO | $246 |
| Liberty Mutual | $256 |
| State Auto | $298 |
| CSAA | $351 |
An at-fault accident could raise your insurance rates by an average of 34% compared to what people with a clean driving record pay, according to Insurify data. In Philadelphia, 3.6% of drivers face this surcharge.
Pennsylvania is a choice no-fault state for car insurance. You can choose whether you want at-fault or no-fault insurance coverage — otherwise known as “full tort” or “limited tort.” Your choice influences whether you can pursue a lawsuit for minor injuries, pain, and suffering.
The table below shows the cheapest rates for drivers with an at-fault accident in Philadelphia.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $110 |
| National General | $124 |
| First Acceptance | $127 |
| Erie | $127 |
| Auto-Owners | $137 |
| Progressive | $144 |
| Travelers | $167 |
| GEICO | $170 |
| Safeco | $185 |
| Direct Auto | $190 |
| Allstate | $194 |
| Bristol West | $202 |
| Root | $209 |
| USAA | $228 |
| Dairyland | $237 |
| Chubb | $260 |
| GAINSCO | $265 |
| Liberty Mutual | $269 |
| State Auto | $312 |
| CSAA | $384 |
A driving under the influence (DUI) conviction carries fines of $300 to $10,000 in Pennsylvania, plus potential jail time. If caught driving under the influence in Philadelphia, the DUI could stay on your driving record for 10 years.
Philadelphia drivers with a DUI pay an average of $254 per month for liability insurance.
The table below shows the cheapest rates for drivers with a DUI in Philadelphia.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $131 |
| National General | $146 |
| Erie | $150 |
| Auto-Owners | $156 |
| First Acceptance | $166 |
| Progressive | $188 |
| Travelers | $195 |
| GEICO | $202 |
| Direct Auto | $220 |
| Allstate | $227 |
| Safeco | $227 |
| Bristol West | $241 |
| Root | $262 |
| USAA | $267 |
| Dairyland | $284 |
| Chubb | $307 |
| Liberty Mutual | $320 |
| GAINSCO | $328 |
| State Auto | $346 |
| CSAA | $427 |
In Philadelphia, teen drivers must be at least 16.5 years old and can’t drive between 11 p.m. and 5 a.m., according to Pennsylvania state law. Teen drivers pay the highest rates of all age groups, averaging $487 per month in Philadelphia for full coverage and $276 per month for a liability-only car insurance policy.
The table below shows the cheapest rates for teenage drivers in Philadelphia.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $163 |
| Erie | $176 |
| First Acceptance | $180 |
| National General | $187 |
| Progressive | $204 |
| Auto-Owners | $211 |
| GEICO | $235 |
| Root | $253 |
| Travelers | $260 |
| Safeco | $273 |
| Bristol West | $273 |
| Direct Auto | $275 |
| Allstate | $287 |
| USAA | $315 |
| Dairyland | $316 |
| Liberty Mutual | $359 |
| GAINSCO | $370 |
| Chubb | $404 |
| State Auto | $556 |
| CSAA | $670 |
Getting quotes through Insurify could help you save up to 50% on your bill
Although senior drivers tend to pay lower rates for an auto policy, affordable insurance can help stretch their budget. About 15% of Philadelphia’s population is age 65 or older, according to U.S. Census Bureau data.
Senior drivers in Philadelphia pay monthly averages of $137 for liability policies and $242 for full-coverage policies.
The table below shows the cheapest rates for senior drivers in Philadelphia.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $68 |
| Erie | $75 |
| National General | $76 |
| Auto-Owners | $85 |
| First Acceptance | $89 |
| Progressive | $102 |
| Travelers | $103 |
| GEICO | $106 |
| Direct Auto | $118 |
| Safeco | $120 |
| Allstate | $121 |
| Bristol West | $132 |
| USAA | $142 |
| Chubb | $152 |
| Dairyland | $158 |
| Root | $159 |
| Liberty Mutual | $175 |
| State Auto | $178 |
| GAINSCO | $185 |
| CSAA | $209 |
The following are some of the most frequently asked questions about buying car insurance in Philadelphia.
The total average cost of car insurance in Philadelphia is $219 per month, according to Insurify rate data. That’s much higher than the state average rate of $125 per month.
State Farm has the cheapest car insurance in Philadelphia, with an average rate of $86 per month for liability-only coverage.
State Farm tends to offer cheaper rates than GEICO for Philadelphia drivers, Insurify data shows. State Farm’s average full-coverage cost in Pennsylvania is $83 per month. GEICO’s average is $128 monthly.
In Philadelphia, as in the rest of Pennsylvania, drivers must carry a minimum of $15,000 in bodily injury liability per person and $30,000 per accident, plus $5,000 in property damage liability.
Philly drivers pay much higher rates than other places in Pennsylvania because of the city’s dense population, congested roadways, and very high rates of auto theft.
The best way to find insurance you can afford is to compare quotes from several different insurance companies. Look for insurers that offer low rates to people with a profile like yours. You can also lower car insurance costs by maintaining a clean driving record and seeking discounts.
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:
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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10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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