Compare Philadelphia, PA Car Insurance Rates (2021)

Car insurance in Philadelphia, PA averages $624 a month. Philadelphia, Pennsylvania car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Philadelphia car insurance rates, compare quotes from the top car insurance companies in Philadelphia, PA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Philadelphia is 19113
  • The cheapest car insurance company in Philadelphia is USAA
  • Average car insurance rates in Philadelphia, PA are $7,482/year

If you need to buy Philadelphia, Pennsylvania car insurance, the options can be confusing. Everything you need to know about car insurance in Philadelphia, PA is right here.

You’ll find Philadelphia car insurance rates, the cheapest Philadelphia, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare Philadelphia, Pennsylvania car insurance rates to Reading car insurance rates, Lancaster car insurance rates, and York car insurance rates.

Ready to find affordable Philadelphia, PA car insurance today? Enter your ZIP code for fast, free Philadelphia car insurance quotes.

Cheapest Philadelphia, PA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Philadelphia, PA car insurance rates? Every Philadelphia, Pennsylvania car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Philadelphia, Pennsylvania

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,535 $4,535 $4,251 $4,251 $15,830 $15,830 $4,920 $4,920
GEICO $3,660 $3,154 $3,597 $3,101 $8,992 $7,790 $3,584 $3,090
Liberty Mutual $8,296 $8,296 $7,619 $7,619 $23,773 $23,773 $10,468 $10,468
Nationwide $3,488 $3,488 $3,321 $3,321 $9,295 $9,295 $3,881 $3,881
Progressive $4,869 $4,869 $4,390 $4,390 $14,597 $14,597 $5,880 $5,880
State Farm $3,000 $3,000 $2,671 $2,671 $10,223 $10,223 $3,322 $3,322
Travelers $3,270 $3,270 $3,554 $3,554 $49,766 $49,766 $3,915 $3,915
USAA $1,873 $1,873 $1,696 $1,696 $5,737 $5,737 $2,510 $2,510

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Minimum Car Insurance in Philadelphia, PA

Every driver must carry the minimum car insurance in Philadelphia, PA. Take a look at the Pennsylvania car insurance requirements.

Minimum Required Car Insurance Coverage in Philadelphia, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Philadelphia, PA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Philadelphia, PA. Compare credit history car insurance rates in Philadelphia from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Philadelphia, Pennsylvania

Insurance Company Poor Fair Good
Allstate $9,465 $7,049 $5,639
GEICO $6,984 $3,893 $2,987
Liberty Mutual $15,945 $11,495 $10,176
Nationwide $5,894 $4,814 $4,280
Progressive $9,879 $6,910 $5,513
State Farm $6,817 $4,239 $3,356
Travelers $16,510 $14,869 $14,000
USAA $3,744 $2,725 $2,393

Cheapest Philadelphia, PA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Philadelphia, PA to rates for a clean record with top companies.

Annual Philadelphia, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,046 $8,399 $7,046 $7,046
GEICO $3,357 $5,914 $4,546 $4,668
Liberty Mutual $11,444 $13,110 $12,801 $12,801
Nationwide $3,655 $4,841 $6,666 $4,823
Progressive $6,727 $9,240 $6,990 $6,779
State Farm $4,374 $5,234 $4,804 $4,804
Travelers $10,688 $15,239 $19,339 $15,239
USAA $2,362 $3,288 $3,519 $2,647

Cheapest Philadelphia, PA Car Insurance for Teen Drivers

Teen car insurance in Philadelphia, PA can be expensive. Take a look at rates from the top car insurance companies in Philadelphia for teenagers.

Annual Car Insurance Rates for Teen Drivers in Philadelphia, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,830 $15,830
GEICO $8,992 $7,790
Liberty Mutual $23,773 $23,773
Nationwide $9,295 $9,295
Progressive $14,597 $14,597
State Farm $10,223 $10,223
Travelers $49,766 $49,766
USAA $5,737 $5,737

Cheapest Philadelphia, PA Car Insurance for Seniors

Take a look at Philadelphia, PA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Philadelphia, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,251 $4,251
GEICO $3,597 $3,101
Liberty Mutual $7,619 $7,619
Nationwide $3,321 $3,321
Progressive $4,390 $4,390
State Farm $2,671 $2,671
Travelers $3,554 $3,554
USAA $1,696 $1,696

Cheapest Philadelphia, PA Car Insurance Rates After a DUI

A DUI in Philadelphia, PA increases car insurance rates. Compare Philadelphia, Pennsylvania DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Philadelphia, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,046
GEICO $4,546
Liberty Mutual $12,801
Nationwide $6,666
Progressive $6,990
State Farm $4,804
Travelers $19,339
USAA $3,519

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Cheapest Philadelphia, PA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Philadelphia, PA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Philadelphia, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,221 $7,547
GEICO $4,548 $4,695
Liberty Mutual $12,224 $12,854
Nationwide $4,996 $4,996
Progressive $7,434 $7,434
State Farm $4,648 $4,960
Travelers $15,126 $15,126
USAA $2,868 $3,040

Cheapest Philadelphia, PA Car Insurance Rates by ZIP Code

Philadelphia car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Philadelphia, PA.

Annual Car Insurance Rates by ZIP Code in Philadelphia, Pennsylvania

ZIP Code Average Annual Rates
19102 $8,771
19103 $9,148
19104 $9,581
19106 $9,023
19107 $9,241
19109 $9,393
19110 $9,249
19111 $8,958
19112 $10,086
19113 $7,230
19114 $8,419
19115 $8,866
19116 $8,682
19118 $8,015
19119 $8,718
19120 $9,780
19121 $10,283
19122 $10,187
19123 $9,299
19124 $9,672
19125 $9,719
19126 $9,682
19127 $8,068
19128 $7,971
19129 $8,568
19130 $9,126
19131 $9,540
19132 $10,447
19133 $10,480
19134 $9,651
19135 $9,195
19136 $8,797
19137 $8,732
19138 $9,632
19139 $10,359
19140 $10,370
19141 $9,793
19142 $10,373
19143 $10,220
19144 $9,363
19145 $9,771
19146 $9,338
19147 $9,428
19148 $9,509
19149 $9,043
19150 $9,170
19151 $9,178
19152 $8,762
19153 $9,686
19154 $8,305
19190 $9,564

The Best Cheap Car Insurance Companies in Philadelphia, PA

Take a look at a side-by-side comparison of the top car insurance companies in Philadelphia, PA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Philadelphia, Pennsylvania

Insurance Company Average Annual Rates
Allstate $7,384
GEICO $4,621
Liberty Mutual $12,539
Nationwide $4,996
Progressive $7,434
State Farm $4,804
Travelers $15,126
USAA $2,954

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Category Winners: Cheapest Car Insurance in Philadelphia, Pennsylvania

Find the cheapest car insurance companies in Philadelphia, PA for each category right here.

Best Annual Car Insurance Rates by Company in Philadelphia, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Philadelphia, PA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Philadelphia car insurance rates. Find the cheapest Philadelphia, PA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Philadelphia, Pennsylvania

Insurance Company Low Medium High
Allstate $6,663 $7,468 $8,021
GEICO $3,946 $4,670 $5,247
Liberty Mutual $11,792 $12,648 $13,176
Nationwide $4,876 $5,060 $5,052
Progressive $6,400 $7,454 $8,448
State Farm $4,417 $4,881 $5,114
Travelers $14,699 $15,177 $15,503
USAA $2,687 $2,988 $3,188

What affects car insurance rates in Philadelphia, Pennsylvania?

What factors can have an impact on Philadelphia, PA car insurance? There are several reasons why Philadelphia car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Philadelphia, Pennsylvania.

Commute Time in Philadelphia

The more time you spend in your car the higher the risk of an accident. The average commute length in Philadelphia, PA is 33.6 minutes according to City-Data.

Traffic in Philadelphia

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Philadelphia, PA traffic data from INRIX ranks Philadelphia as the 5th-most congested in the world.

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Compare Car Insurance Quotes in Philadelphia, PA

Ready to find affordable Philadelphia, Pennsylvania car insurance today? Enter your ZIP code for fast, free Philadelphia, PA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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