Cheap Auto Insurance Quotes in Philadelphia, PA (2021)

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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.

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.

$189
$201
$269
$324
GEICOProgressiveTravelersThe General

Cheapest Car Insurance in Philadelphia

Here are the cheapest carriers in Philadelphia for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Philadelphia. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$167
$144
$153
$137
$157
$246
PennsylvaniaPittsburghAllentownErieReadingPhiladelphia

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Philadelphia, PA Driving Facts

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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.

Driving History
No Violation$282
Speeding Ticket$302
At-Fault Accident$307
Failure to Stop for Red Light / Stop Sign$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!

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.

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.

Conclusion: 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.

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

Insurify Insights: How Philadelphia Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Philadelphia, PA
suspended licenses
#38
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Philadelphia drivers measure up to their fellow Pennsylvania motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Philadelphia

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 paid on average 14.34% more than drivers with a clean record

Speeding Philadelphia

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 paid on average 21.91% more than drivers with a clean record

DUI/DWIs Philadelphia

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 paid on average 11.55% more than drivers with a clean record

Most Popular Vehicle Philadelphia

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.

Rude Philadelphia

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 paid on average 30.28% more than drivers with a clean record.

Safest Drivers Philadelphia

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%

Failure to Yield the Right of Way Philadelphia

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 paid on average 1600% more than drivers with a clean record

Reckless Drivers Philadelphia

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%

Hybrid/Electric Vehicle Ownership Philadelphia

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%

FAQs - Philadelphia, PA Car Insurance

If I’m found guilty of drunk driving in Philadelphia, can my insurance company cancel my auto insurance policy?

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.

What happens if I forget to pay my insurance in Philadelphia?

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.

What should I be aware of if I decide to change insurance companies in Philadelphia?

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.