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Cheap Auto Insurance Quotes in Philadelphia, PA (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Safety is always a concern on America’s roads, and so it is with a city like Philadelphia where car accidents are fairly common. Being Pennsylvania’s largest and sixth most populous city, it’s hard to get around this fact but easy enough to find insurance to keep you safe while on the city’s streets.

Quick Facts

  • The average cost of car insurance in Philadelphia is $245 per month, or $2940 annually.
  • Car insurance in Philadelphia is $95 more than the average cost of car insurance in Pennsylvania.
  • The cheapest car insurance provider in Philadelphia on average is Metromile, but you should always compare quotes to find your best personal rate.

Car Insurance in Philadelphia, PA

The average cost of Pennsylvania car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Philadelphia, PA to find you the cheapest quotes in the area.

Quotes by Top Companies

GEICO
$189
Progressive
$201
Travelers
$269
The General
$324

Cheapest Car Insurance in Philadelphia, PA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in PhiladelphiaQuotes
GEICO$189 /mo
Progressive$201 /mo
Travelers$269 /mo
The General$324 /mo

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Best Car Insurance in Philadelphia, PA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Philadelphia. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
American Family89$264 /mo
Safeco86$223 /mo
Liberty Mutual82$222 /mo
Travelers80$174 /mo

Average Car Insurance Cost

Pennsylvania Cities
Pittsburgh$144/mo
Allentown$153/mo
Erie$137/mo
Reading$157/mo
Philadelphia$246/mo
Pennsylvania$167/mo
Erie
$137
Pittsburgh
$144
Allentown
$153
Reading
$157
Average for PA
$167
Philadelphia
$246
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in PA

All motor vehicles operated or parked on Pennsylvania roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Pennsylvania are as follows:

  • $15,000 per person/$30,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Pennsylvania state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Pennsylvania law.

  • $5,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Pennsylvania is $5,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $5,000/accident for Medical Benefits (PIP)

The minimum requirements in Pennsylvania include $5,000 first-party benefits towards medical expenses per accident. Insurance companies offer higher limits of up to $100,000 per accident.

Pennsylvania is the only state in the country that requires “first-party benefits coverage.” These benefits act as coverage in an accident regardless of fault.

Philadelphia Car Insurance Rates by Driver Age

In the City of Brotherly Love, both drivers and insurance companies know that with age comes wisdom—and lower monthly car insurance rates on average. In Philadelphia, drivers in their 20s pay an average of $325 monthly in car insurance premiums. That’s an average of $76 more a month than their thirtysomething friends. Why? Because the thirtysomething age group has more experience behind the wheel, which translates into less risk. What age group enjoys the lowest average car insurance rates in Philadelphia? That would be people in their 60s crowd. These drivers pay an average of $208 monthly to be on the road.

Driver's AgeAvg. Monthly Cost
teens$480
20s$326
30s$250
40s$264
50s$243
60s$209
70s$237
80s$308

Philadelphia Car Insurance Rates by Driving and Accident History

It pays to keep a clean driving record in Philadelphia. Philadelphia drivers with no offenses on their record enjoy lower premiums on average than those who have made driving mistakes like speeding, causing an accident, or running a stop sign. Those with squeaky clean driving records in Philadelphia pay an average of $281 a month for car insurance. What happens to rates in Philadelphia when drivers make mistakes? Speed, cause an accident, or run a stop sign, and your rates can increase by an average of $23 a month. Over a year’s time, that’s $276 that could be spent elsewhere!

Driving HistoryAvg. Monthly Cost
No Violation$282
Speeding Ticket$302
At-Fault Accident$307
Failure to Stop for Red Light / Stop Sign$308

Philadelphia Car Insurance Rates by Credit Tier

You can’t control everything that goes into calculating your monthly insurance premiums. Your age, for one, is non-negotiable. But Philadelphia drivers can control their credit scores—just another of the many factors that insurance companies use to determine risk and subsequent monthly insurance rates. Philadelphia drivers with an average credit score enjoy an average monthly insurance premium of $288.

Credit TierAvg. Monthly Cost
Excellent$251
Good$292
Average$289
Poor$294

Find local Philadelphia agents

  • Wilson Insurance & Financial Planning 

    1732 W Cheltenham Ave,
    Philadelphia, PA 19126
  • Ferullo Insurance Agencies LLC 

    1636 S. Front Street,
    Philadelphia, PA 19148
  • Freedom Insurance Group Inc 

    Grant Academy Shopping Center,
    Philadelphia, PA 19114
  • Main Line Risk Management 

    4950 Parkside Ave Ste 105,
    Philadelphia, PA 19131
  • Terra Insurance Services Llc 

    1879 COTTMAN AVENUE,
    Philadelphia, PA 19111
  • Butrus & Whalon Inc 

    138 N 2nd St,
    Philadelphia, PA 19106-1902
  • Boardman & Hamilton Co 

    8459 Ridge Ave,
    Philadelphia, PA 19128-2119
  • The Imperial Agency 

    6444 Sackett St,
    Philadelphia, PA 19149
  • Troast-Singley Insurance Agency Llc 

    2700 S 18th St,
    Philadelphia, PA 19145-4703
  • Peachtree Insurance Group 

    428 Wharton St,
    Philadelphia, PA 19147-5227
View more

Philadelphia, PA DMV Information

Though the state of Pennsylvania was able to claim the lowest number of car accidents in 2019 since reporting began in 1935, Philly can only do so much to improve safety on its congested roadways. Part of the problem has to do with weather that creates an ongoing pothole problem, making road conditions just one hazard of the daily commute. Luckily, something drivers can control in the City of Brotherly Love is how much they pay for their car insurance policy. Like so many places these days, the Pennsylvania Department of Transportation suggests that vehicle registration and other licensing services be completed online for the most efficient service. If you must go in person, you will need to find a driver’s license center or online messenger service that can help you with your vehicle needs. Online Messengers (OLMs) are private businesses contracted to provide driver licensing and vehicle registration services for customers via an online connection with the Pennsylvania Department of Transportation (PennDOT). While there are 30+ driver’s license centers within 35 miles of Philadelphia in locations like Harrisburg, Enola, Duncannon, Carlisle, Elizabethville, York, Lebanon, Lancaster, and Gettysburg, there are over 80 OLMs within the same distance.

Public Transportation in Philadelphia, PA

Though you can take a tour of historic Philadelphia on foot and cruise some of the city by bike, you are more likely to utilize your own vehicle or one of the city’s public transportation options. SEPTA (Southeastern Pennsylvania Transportation Authority) is one of the most comprehensive bus/subway/commuter-rail systems in the United States and one of the nation’s best. Rather dial for a ride right now? Rideshare options like Uber or Lyft can take you to the city’s top attractions. Another option (although seasonal) is the Philadelphia PHLASH Downtown Loop, a handsome blue bus service to key Philadelphia historic and cultural attractions.

How to get the best and cheapest car insurance in Philadelphia, PA

U.S. history was literally made in Philly, and the people who live there are proud of that fact. They are also proud of their ability to get around town—tourist season or not—on their own and in their own vehicles whenever they can.

Though the city’s record for annual traffic accidents is happily improving, smart drivers know that no one can predict what the next day—or moment—will bring, especially on the road. What they can control, however, is how they shop for car insurance. For that reason, smart drivers use Insurify to get great rates quickly and easily online.

FAQs - Philadelphia, PA Car Insurance

  • Although some states will not permit an insurer to cancel your coverage for a DUI, in Philadelphia if you are found guilty of drunk driving, this is entirely possible. Why? Because here if you are convicted of driving under the influence and your blood alcohol content is high enough, your license is automatically suspended. License suspension is a valid reason for your insurer to cancel your policy in the state. If this happens, you will have to look for another insurance provider that specifically insures high-risk drivers.
  • You have to pay your insurance premium on a timely basis or your coverage can be canceled by your insurance company. If that happens and you are without insurance, this is called a lapse in coverage. In Philadelphia, insurance companies are required by law to notify PennDot (Pennsylvania Department of Transportation) if they cancel your insurance. After 31 days, if you haven’t taken care of getting new car insurance and communicating that to PennDot, your vehicle registration privileges are suspended for three months, and you will be faced with fees to reinstate them.
  • Your new insurance company isn’t required to tell PennDOT that you bought insurance (although many still do). If PennDOT doesn’t think you have insurance, they will send you a Proof of Insurance Request letter. If you do get this letter, you want to quickly provide your updated insurance info to PennDOT to avoid a possible suspension of your registration.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Philadelphia Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Philadelphia, Pennsylvania below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Philadelphia drivers measure up to their fellow motorists across Pennsylvania in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in Philadelphia

#28

City with the Most Speeding Tickets Rank in Pennsylvania

#38

City with the Most Moving Violations Rank in Pennsylvania

#33

City with the Most DUIs Rank in Pennsylvania

#42

City with the Most Suspended Licenses in Pennsylvania

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Philadelphia drivers rank 30 in the number of car accidents per driver across all cities in Pennsylvania.

    • Rank within state: #30
    • Percent of drivers in Philadelphia with an accident: 8.09%
    • Drivers in Philadelphia, PA with an accident in their driving history pay on average 14.34% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Pennsylvania, Philadelphia drivers rank 28 in the number of speeding infractions per driver.

    • Rank within state: #28
    • Percent of drivers in Philadelphia with a speeding ticket: 5.38%
    • Drivers in Philadelphia, PA with a speeding ticket in their driving history pay on average 21.91% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Philadelphia drivers rank 33 in the number of DUI’s per driver across all cities in Pennsylvania.

    • Rank within state: #33
    • Percent of drivers in Philadelphia with a DUI: 1.02%
    • Drivers in Philadelphia, PA with a DUI in their driving history pay on average 11.55% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Philadelphia is the Nissan Altima.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Pennsylvania, Philadelphia drivers rank 12 in rude driving infractions.

    • Rank within state: #12
    • Percent of drivers in Philadelphia with a reckless driving violation: 1.67%
    • Drivers in Philadelphia, PA with a reckless driving violation in their driving history pay on average 30.28% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Philadelphia drivers rank 1 in clean driving records across all cities in Pennsylvania.

    • Rank within state: #1
    • Percent of drivers in Philadelphia with clean record: 86.24%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Philadelphia drivers rank 8 in failure to yield violations per driver across all cities in Pennsylvania.

    • Rank within state: #8
    • Percent of drivers in Philadelphia with a failure to yield violation: 0.2%
    • Drivers in Philadelphia, PA with a failure to yield violation in their driving history pay on average 1600% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Pennsylvania, Philadelphia drivers rank 6 in the number of reckless driving offenses per driver.

    • Rank within state: #6
    • Percent of drivers in Philadelphia with a reckless driving offense: 0.09%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Philadelphia drivers rank 13 in hybrid and electric vehicle ownership across all cities in Pennsylvania.

    • Rank within state: #13
    • Percent of drivers in Philadelphia with a hybrid/electric vehicle: 0.97%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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