Learn everything you need to know to buy the best car insurance policy in Philadelphia for your particular situation. You’ll see which carriers are rated as the best car insurance companies for customer satisfaction and what the average car insurance rates are for your neighborhood.
You’ll also discover how much you can save from knowing how to make smart choices about coverage. And, find out how rates for Philadelphia drivers are affected by tickets, accidents and adding teen drivers.
- The average car insurance rate for Philadelphia drivers for minimum coverage is $536 a year, according to Carinsurance.com analysis.
- The liability coverage in Philadelphia, PA costs $715 per year.
- In Philadelphia, full coverage car insurance policy costs $1,990 a year.
- As per Carinsurance.com research, in Philadelphia, comparing quotes from companies can help you save an average $3,548 on your car insurance rates annually.
How much does car insurance cost in Philadelphia, PA?
We all know that the cost of car insurance varies depending on your individual needs. But how much does it actually cost? CarInsurance.com analyzed major insurers including Geico, Progressive, State Farm, Allstate and others, to determine average Philadelphia coverage costs for different levels and types.
The average rate for Philadelphia drivers for a year of minimum coverage is $536 according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just about $14.92 more a month, or $179 more a year.
You can get full coverage (100/300/100) by paying $121.17 more a month, or an additional $1,454 a year more than minimum-level coverage.
Average auto insurance rates in Philadelphia, PAThe following data shows what you can expect to pay for car insurance in Philadelphia, on average.
- State Minimum Policy: $536 per year
- Liability Coverage (50/100/50): $715 per year
- Full Coverage (100/300/100): $1,990 per year
Who has cheapest car insurance in Philadelphia, Pennsylvania?
Automobile Ins Co of Hartford and Nationwide have the cheapest car insurance rates in Philadelphia, based on our rate analysis for three different coverage levels.
The driver profile is for age 40, with good credit and a clean driving record. You can see how major insurers rank for price in the chart below.
| Company | Liability Only – State Minimum BI/PD | Liability Only – 50/100/50 BI/PD | Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll |
|---|---|---|---|
| Automobile Ins Co of Hartford | $353 | $532 | $1,328 |
| State Farm Mutl Automobile Ins | $423 | $568 | $1,559 |
| USAA Casualty Ins Co | $438 | $594 | $1,920 |
| GEICO Secure Ins Co | $446 | $734 | $1,590 |
| Allstate F&C Ins Co | $492 | $957 | $2,761 |
| Erie Ins Exchange | $553 | $807 | $2,350 |
| Auto-Owners Ins Co | $617 | $961 | $2,423 |
| Progressive Advanced Ins Co | $661 | $1,034 | $2,254 |
| Nationwide General Ins Co | $716 | $971 | $1,709 |
| Metropolitan Casualty Ins Co | $2,248 | $2,804 | $5,380 |
Who has the best car insurance in Philadelphia, PA?
Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some it may be price, while others may value customer service the most. Still others may be looking for the convenience of mobile apps, or a company that offers the most car insurance discounts.
Below we list car insurance companies in Philadelphia, and who they are the best at serving, based on CarInsurance.com’s customer satisfaction survey of current policyholders and rate data analysis.
| Best for | Company |
|---|---|
| Claims | USAA |
| Value/Price | Auto Club of Southern California (Auto Club Enterprise Insurance Group) |
| Customer Service | Auto Club of Southern California (Auto Club Enterprise Insurance Group) |
| Websites/Apps | Auto Club of Southern California (Auto Club Enterprise Insurance Group) |
| Recommend | Auto Club of Southern California (Auto Club Enterprise Insurance Group) |
| Low Annual Mileage | State Farm Mutual Auto |
| Good Student | Nationwide P&C |
| Bundle | Allstate F&C |
| Paid in Full | Progressive Specialty |
How much car insurance do I need in Philadelphia, PA?
Below we’ll explain what coverage you need to drive legally, which is your state required minimum liability limits, and what types of car insurance you may need to be truly protected.
Minimum car insurance requirements in Philadelphia, PA
Pennsylvania car insurance laws require only that you insure yourself against bodily injury and property damage liability, so it’s your choice whether to add coverage for yourself, your passengers, and your vehicle.
If you have a newer model car, getting comprehensive insurance and collision coverage makes sense. In Pennsylvania, comprehensive costs $349 and collision costs $905, on an average per year, according to a rate data analysis done by CarInsurance.com.
These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.
The best car insurance coverage usually isn’t the cheapest. You may be used if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy.
To protect your assets, you should buy liability insurance in the following amounts:
- $1,00,000 to pay for others’ medical bills
- $3,00,000 to pay for injuries to others in an accident you cause
- $1,00,000 to pay for damage to others’ property
You should also consider buying these optional coverages:
- Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
- Collision, which pays for damage to your car from accidents.
Compare car insurance quotes in Philadelphia, PA to save money
You can save an average of $3,548 annually on a full coverage policy in Philadelphia by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your particular circumstances, there is a significant benefit to shopping your policy.
Philadelphia, PA car insurance FAQs
How much does insurance go up after a speeding ticket in Philadelphia, PA?
A speeding ticket in Philadelphia will hike your car insurance rates by an average of 25%, or about $860 yearly. CarInsurance.com’s rate analysis shows how much more drivers in Philadelphia can expect to pay, on average, for speeding and other common violations.
Minor traffic violations, such as speeding, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date. More severe infractions, such as DUI, typically stay on your record much longer.
How much does insurance increase for tickets in Philadelphia, PA?
Philadelphia drivers can expect to see a hike in their rates in the range of 36% for minor moving violations such as tailgating or blowing through a stop sign, 81% for more severe infractions such as DUI.
Remember, though, that because insurance companies assess risk differently, you can still save by comparison shopping, because one carrier may ding you a lot for a citation, while another may spike your rate by much less.
| Violation | Average rate | Rate after violation | $ Increase | % Increase |
|---|---|---|---|---|
| 2 speeding tickets 11 mph or over | $3,400 | $5,125 | $1,725 | 51% |
| Careless driving | $3,400 | $3,925 | $525 | 15% |
| Distracted driving ticket | $3,400 | $3,917 | $517 | 15% |
| Driving without a license or permit | $3,400 | $3,899 | $499 | 15% |
| Driving without insurance | $3,400 | $3,701 | $301 | 9% |
| DUI/DWI first offense | $3,400 | $6,288 | $2,888 | 85% |
| DUI/DWI second offense | $3,400 | $11,434 | $8,034 | 236% |
| Failure to stop | $3,400 | $3,899 | $499 | 15% |
| Failure to yield | $3,400 | $3,899 | $499 | 15% |
| Following too closely | $3,400 | $3,899 | $499 | 15% |
| Improper turn | $3,400 | $3,907 | $507 | 15% |
| Improper/illegal pass | $3,400 | $3,907 | $507 | 15% |
| Operating a vehicle in a race (highway racing) | $3,400 | $6,225 | $2,825 | 83% |
| Reckless driving | $3,400 | $4,788 | $1,388 | 41% |
| Seatbelt infraction | $3,400 | $3,659 | $259 | 8% |
| Talking on cellphone ticket | $3,400 | $3,833 | $433 | 13% |
| Texting ticket | $3,400 | $3,833 | $433 | 13% |
How much will an accident raise my insurance in Philadelphia, PA?
An accident will increase car insurance rates by 11% to 206%, on average, for drivers in Philadelphia. When you file a claim for an accident that’s your fault, typically your car insurance rates will increase.
However, claims under your comprehensive coverage, if you have it as it’s optional, typically won’t trigger an increase. That’s because comprehensive claims are for damage insurers consider to be beyond your control, for instance due to hail, fire, flooding, falling objects or collisions with an animal.
The table below shows how much drivers in Philadelphia can expect to pay for common car insurance claims.
| Accident | Average Rate | Rate after claim | $ Increase | % Increase |
|---|---|---|---|---|
| 1 At-fault property damage accident over $2K | $3,400 | $5,903 | $2,503 | 74% |
| 1 At-fault property damage accident under $2K | $3,400 | $3,772 | $372 | 11% |
| 2 At-fault property damage accident over $2k | $3,400 | $10,406 | $7,006 | 206% |
| At-fault bodily injury accident | $3,400 | $5,904 | $2,504 | 74% |
How much does it cost to add a teen driver to your insurance in Philadelphia, PA?
In Philadelphia, adding a 16-year-old daughter to your policy will hike your rates by $2,978 annually or 150%. It’s more for boys. Insuring your 16-year-old son will increase your yearly rate by $2,978, or 150% according to CarInsurance.com rate data.
If you’re insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our “Parents’ guide to insuring a teen driver.”
How much is SR-22 insurance in Philadelphia, PA?
CarInsurance.com data show that for drivers in Philadelphia, your rate will go up by an average of $2,392 or 70%. If you’re convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf.
An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Pennsylvania