The effect of driving habits on car insurance in Philadelphia
Driving habits can affect car insurance rates in several ways. For example, if you have a history of speeding or traffic violations, your insurance company may consider you to be a higher-risk driver and charge you higher rates. On the other hand, if you have a clean driving record and practice safe driving habits, such as obeying traffic laws and avoiding distracted driving, your insurance company may offer you lower rates.
Additionally, the number of miles you drive each year can also affect your insurance rates, as the more you drive, the greater the risk of an accident. Furthermore, if you drive in a high-traffic area or have a long daily commute, you may be charged higher rates due to the increased risk of an accident. In general, practicing safe driving habits can help you qualify for lower car insurance rates.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.
Cheapest car insurance with an accident in Philadelphia: Kemper
The average cost of car insurance if you have an accident in Philadelphia is $321. If you’re found to be at fault in an accident, your insurance company may consider you to be a higher-risk driver and charge you higher rates. Even if you’re not at fault, your rates may still increase if the accident causes significant damage to your vehicle or if you file a claim for injuries or other damages.[4]
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a DUI in Philadelphia: Dairyland
A DUI (driving under the influence) conviction can significantly impact your car insurance rates. Insurance companies view DUIs as extremely risky behavior, so they may raise your rates to cover the risk or not renew your insurance policy altogether. Based on Insurify data, many insurers prefer not to issue policies to Philadelphia drivers with DUIs.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a speeding ticket in Philadelphia: Kemper
As with a DUI, it appears a speeding ticket in Philadelphia may make many insurers hesitate to cover you. Insurance companies consider speeding tickets to be a sign of reckless or careless driving, and having a speeding ticket on your driving record can make you a higher-risk driver in their eyes.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in other Pennsylvania cities
If you’re interested in finding out car insurance quotes for other cities in Pennsylvania, below is information for several other large cities in the Keystone State.