8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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.
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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Cheapest recent rates near Philadelphia, Pennsylvania
Drivers using Insurify have found quotes as cheap as $53/mo for liability only and $72/mo for full coverage in Philadelphia and other Pennsylvania cities.
*Quotes generated for Insurify users in and around Philadelphia, Pennsylvania within the last 10 days. Last updated on April 18, 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 April 18, 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 April 18, 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 April 18, 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: $250 per month compared to the national average of $158.
Here’s how to find cost-effective car insurance in the City of Brotherly Love.
Quick Facts
Mile Auto is the cheapest insurer in Philadelphia for liability policies, while Mile Auto is the cheapest for full coverage.
Liability-only insurance in Philadelphia costs $156 per month, and full coverage costs $343 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 Company
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.
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 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. Criteria are weighted 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. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
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.
3.3
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.
$102/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.
$275/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.
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.
3.4
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.
$93/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.
$127/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
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.
4.4
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.
$97/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.
$176/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]
Not good. The quotes changed and they were difficult to deal with.
Jane - April 16, 2024
Verified
Good Deals
They are friendly and offer good pricing.
Roger - April 16, 2024
Verified
Excellent
Very good agent.
…
Find Cheap Car Insurance in Philadelphia
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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.
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: Mile Auto
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.
Mile Auto offers the cheapest liability-only policies in Philadelphia, at $93 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
93
State Farm
97
Foremost
102
Erie
113
National General
114
Auto-Owners
121
Safeco
127
Midvale Home & Auto
144
Travelers
146
GEICO
151
Progressive
151
The General
169
Allstate
171
Plymouth Rock
178
Direct Auto
181
Liberty Mutual
183
Dairyland
194
Nationwide
194
USAA
199
State Auto
204
Bristol West
229
Chubb
229
CSAA
301
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 $93 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
127
State Farm
176
Erie
204
Travelers
208
Safeco
211
Auto-Owners
220
Plymouth Rock
241
Midvale Home & Auto
245
Nationwide
254
Liberty Mutual
266
Foremost
275
GEICO
275
Progressive
276
Direct Auto
289
Allstate
310
State Auto
342
National General
354
CSAA
361
USAA
361
The General
396
Chubb
417
Infinity
419
Bristol West
424
Dairyland
454
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.
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]
Coverage
Minimum 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:
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.
Comprehensive coverage
Comprehensive insurance pays to repair or replace your vehicle after damage from something other than car accidents, like fire, theft, or vandalism.
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
Monthly rates start at $102 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
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 $113 per month, from State Farm.
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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
93
123
State Farm
97
113
Erie
113
148
National General
114
136
Auto-Owners
121
148
Safeco
127
165
Travelers
146
177
GEICO
151
179
Progressive
151
187
The General
169
209
Allstate
171
203
Direct Auto
181
222
Liberty Mutual
183
235
Dairyland
194
239
Nationwide
194
233
USAA
199
236
Bristol West
229
278
Chubb
229
277
CSAA
301
371
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: State Farm
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 State Farm, with liability rates of $123 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
93
134
State Farm
97
123
Erie
113
156
National General
114
150
Auto-Owners
121
158
Safeco
127
179
Travelers
146
190
GEICO
151
195
Progressive
151
202
The General
169
225
Allstate
171
220
Direct Auto
181
241
Liberty Mutual
183
254
Dairyland
194
255
Nationwide
194
252
USAA
199
256
Bristol West
229
295
Chubb
229
297
CSAA
301
410
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 $149 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
93
149
State Farm
97
150
Foremost
102
158
Erie
113
159
National General
114
176
Auto-Owners
121
187
Safeco
127
196
Travelers
146
226
GEICO
151
233
Progressive
151
233
The General
169
261
Allstate
171
264
Plymouth Rock
178
275
Direct Auto
181
280
Liberty Mutual
183
283
Dairyland
194
300
Nationwide
194
300
USAA
199
308
Bristol West
229
354
Chubb
229
354
CSAA
301
465
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 $70 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
67
91
State Farm
70
127
Erie
80
145
National General
86
269
Auto-Owners
90
163
Progressive
101
185
Safeco
102
169
Travelers
108
153
GEICO
112
204
Allstate
129
234
The General
130
303
Direct Auto
131
209
Nationwide
136
178
Liberty Mutual
141
205
Dairyland
147
344
USAA
149
270
Chubb
156
284
Bristol West
172
319
CSAA
217
260
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 $158.
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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
158
287
Mile Auto
172
235
Foremost
174
469
Auto-Owners
192
349
Erie
197
356
National General
207
644
Safeco
217
360
GEICO
226
412
Travelers
251
358
The General
257
602
Progressive
259
473
Allstate
287
520
Liberty Mutual
294
427
Dairyland
299
700
Plymouth Rock
304
411
USAA
313
568
Direct Auto
316
504
Nationwide
317
415
Bristol West
362
671
Chubb
405
738
CSAA
482
578
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 $250, compared to $143 in all of Pennsylvania and $158 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.
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 $343 per month for full coverage and $156 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?
Mile Auto offers the cheapest car insurance rates in Philadelphia, at $93 per month for liability-only coverage. Philadelphia drivers can also find cheap car insurance from State Farm and Foremost, which have liability rates of $97 and $102 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.
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.
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.
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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