Cheapest Auto Insurance in Philadelphia, Pennsylvania (2024)

Philadelphia drivers can find the cheapest car insurance rates from State Farm. The insurer’s rates start at just $89 per month.

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Updated June 20, 2024

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Cheapest recent rates near Philadelphia, Pennsylvania

Drivers in and around Philadelphia, Pennsylvania have found policies from Direct Auto, GEICO, Allstate, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Philadelphia, Pennsylvania within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Philadelphia 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: $247 per month compared to the national average of $160.

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 Mile Auto is the cheapest for full coverage.

  • Liability-only insurance in Philadelphia costs $162 per month, and full coverage costs $332 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Foremost7.4$176$68New-car owners
Mile Auto7.5$175$127Low-mileage drivers
State Farm9.3$83$72Teen drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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-5 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 28,000 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.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
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.
$117/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.
$295/mo

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

Read our Foremost review
Christopher - September 13, 2022
Verified

Good

The roadside service is awful.

Travis - March 6, 2018
Verified

Average

They tell you one price and it ends up being something else.

Pamela - January 10, 2018
Verified

I was insured with them, but everything was set up through my husband. Our fees were expensive because he had a terrible driving record, so I understood why. However, when he suddenly passed away, it took me a while to make the necessary phone calls to people and businesses. When I finally contacted the insurance company, they still left the insurance in his name. They didn't refund me any of the money from his unused policy, which was still active for about a year. On top of that, they kept my rate really high, despite the fact that I've only had one ticket ever, and that was 20 years ago. I've been driving for 28 years. Then, they raised my insurance by almost double. So, I'm leaving them.

I was insured with them, but everything was set up through my husband. Our fees were expensive because he had a terrible driving record, so I understood why. However, when he suddenly passed away, it took me a while to make the necessary phone calls to people and businesses. When I finally contacted the insurance company, they still left the insurance in his name. They didn't refund me any of the money from his unused policy, which was still active for about a year. On top of that, they kept my rate really high, despite the fact that I've only had one ticket ever, and that was 20 years ago. I've been driving for 28 years. Then, they raised my insurance by almost double. So, I'm leaving them.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.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).
NR
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.
$91/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.
$122/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$89/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.
$163/mo

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

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

Find Cheap Car Insurance in Philadelphia

Rates start at $89 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 $89 per month. The table below shows the companies offering the lowest average rates for liability-only coverage in the city.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$89
Mile Auto$91
Erie$103
Auto-Owners$110
National General$111
Foremost$117
Safeco$132
Travelers$134
GEICO$137
Progressive$139
Midvale Home & Auto$151
Allstate$156
The General$165
Direct Auto$166
Plymouth Rock$166
Nationwide$177
USAA$182
Liberty Mutual$202
Dairyland$206
Chubb$209
Bristol West$223
State Auto$244
CSAA$254
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Philadelphia: Mile Auto

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 Mile Auto, with rates of $89 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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$122
State Farm$163
Erie$189
Auto-Owners$202
Safeco$216
Plymouth Rock$228
Midvale Home & Auto$232
Travelers$245
GEICO$252
Progressive$254
Nationwide$259
Liberty Mutual$276
Allstate$285
Direct Auto$295
Foremost$295
CSAA$317
State Auto$321
USAA$331
National General$346
Chubb$383
The General$403
Bristol West$417
Infinity$422
Dairyland$472
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Philadelphia, Pennsylvania

Drivers in and around Philadelphia, Pennsylvania have found policies from Direct Auto, Liberty Mutual, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Philadelphia, Pennsylvania within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays to repair or replace your vehicle after damage from something other than car accidents, like fire, theft, or vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

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 $119 per month, from Mile Auto.

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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$89$108
Mile Auto$91$119
Erie$103$129
Auto-Owners$110$135
National General$111$135
Foremost$117$158
Safeco$132$165
Travelers$134$165
GEICO$137$168
Progressive$139$171
Midvale Home & Auto$151$192
Allstate$156$191
The General$165$205
Direct Auto$166$204
Plymouth Rock$166$219
Nationwide$177$219
USAA$182$222
Liberty Mutual$202$274
Dairyland$206$254
Chubb$209$260
Bristol West$223$271
State Auto$244$325
CSAA$254$320
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

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 Mile Auto, with liability rates of $129 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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$89$115
Mile Auto$91$129
Erie$103$137
Auto-Owners$110$143
National General$111$145
Foremost$117$167
Safeco$132$167
Travelers$134$176
GEICO$137$179
Progressive$139$184
Midvale Home & Auto$151$209
Allstate$156$203
The General$165$219
Direct Auto$166$221
Plymouth Rock$166$237
Nationwide$177$233
USAA$182$237
Liberty Mutual$202$288
Dairyland$206$268
Chubb$209$274
Bristol West$223$287
State Auto$244$350
CSAA$254$347
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Mile Auto

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 $133 per month, from Mile Auto.

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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$89$145
Mile Auto$91$133
Erie$103$167
Auto-Owners$110$179
National General$111$180
Foremost$117$190
Safeco$132$215
Travelers$134$218
GEICO$137$223
Progressive$139$226
Midvale Home & Auto$151$245
Allstate$156$254
The General$165$268
Direct Auto$166$270
Plymouth Rock$166$241
Nationwide$177$288
USAA$182$296
Liberty Mutual$202$328
Dairyland$206$335
Chubb$209$340
Bristol West$223$362
State Auto$244$397
CSAA$254$413
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

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 State Farm, with a cost of $65 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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Mile Auto$64$86
State Farm$65$118
Erie$71$131
Auto-Owners$81$148
National General$82$255
Foremost$86$216
Progressive$93$170
Travelers$98$180
Safeco$101$165
GEICO$102$188
Midvale Home & Auto$108$166
Plymouth Rock$115$158
Allstate$117$215
Direct Auto$120$214
Nationwide$124$181
The General$126$309
USAA$136$247
Chubb$143$262
Liberty Mutual$152$207
Dairyland$154$353
Bristol West$167$313
State Auto$175$230
CSAA$185$231
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $143.

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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$143$262
Erie$164$302
Mile Auto$169$226
Auto-Owners$179$329
Foremost$197$498
National General$202$631
GEICO$204$375
Travelers$229$419
Progressive$239$436
Midvale Home & Auto$247$380
The General$252$616
Allstate$260$474
Safeco$263$430
USAA$286$521
Nationwide$287$420
Direct Auto$288$512
Dairyland$326$747
Plymouth Rock$332$456
Liberty Mutual$355$485
Bristol West$360$673
Chubb$368$674
CSAA$394$492
State Auto$412$541
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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

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.

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 $247, compared to $141 in all of Pennsylvania and $160 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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Allentown$102$241
Bethlehem$99$203
Harrisburg$90$188
Lancaster$83$155
Pittsburgh$97$214
Reading$105$212
Scranton$74$194
Wilkes-Barre$95$189
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.

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 $332 per month for full coverage and $162 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 $89 per month for liability-only coverage. Philadelphia drivers can also find cheap car insurance from Mile Auto and Erie, which have liability rates of $91 and $103 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.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Inrix. "Inrix 2022 Global Traffic Scorecard."
  2. Ambest.com. "AM Best Revises Outlooks to Negative for State Farm Mutual Automobile Insurance Company and Certain Subsidiaries."
  3. Pennsylvania Insurance Department. "How Credit Relates to Insurance."
  4. Nolo. "Your Guide to Pennsylvania Auto Insurance."
  5. Cubit. "Pennsylvania Cities by Population."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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