Car Insurance for Philadelphia in 2023
Drivers in Philadelphia pay an average of $4,375 per year for car insurance, but you might find cheaper coverage if you shop around.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
There’s much to do in Philadelphia, the City of Brotherly love. Whether you’re driving to South Philly to watch the Eagles or parking at the Philadelphia Museum of Art so you can run up and down the Rocky steps, there are plenty of reasons to spend time on the road. But Philadelphia drivers need car insurance to drive legally.
If you’re looking for cheap car insurance in Philadelphia, you’ll want to shop around from multiple insurers to find the lowest rate possible. NerdWallet can help get you started, as we’ve analyzed car insurance rates in Philadelphia for a variety of driver types below.
Read on to find out how auto insurance companies in Philadelphia stack up. You can also check out our list of the cheapest car insurance companies nationwide.
» MORE: The best car insurance companies
Table of contents
To find the cheapest companies in Philadelphia, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Philadelphia driving a 2019 Toyota Camry L.
Cheapest car insurance companies in Philadelphia
The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Philadelphia, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Travelers | $1,748 | NerdWallet rating 4.5 /5 |
| State Farm | $2,197 | NerdWallet rating 5.0 /5 |
| Erie | $2,507 | NerdWallet rating 4.0 /5 |
| Cumberland Mutual | $2,520 | Not yet rated |
| Geico | $2,729 | NerdWallet rating 4.5 /5 |
| American National | $2,876 | NerdWallet rating 3.0 /5 |
| Selective | $3,023 | Not yet rated |
| Auto-Owners Insurance | $3,035 | NerdWallet rating 5.0 /5 |
| Westfield | $3,076 | Not yet rated |
| Nationwide | $3,663 | NerdWallet rating 5.0 /5 |
If you’re looking for cheap car insurance in Philadelphia, Pennsylvania, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Philadelphia — or anywhere.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Average car insurance cost in Philadelphia and Pennsylvania
Rates across Pennsylvania differ from those in Philadelphia for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Pennsylvania is $2,266, while in Philadelphia, it's $4,375.
| Average city rate | Average state rate |
|---|---|
| $4,375 | $2,266 |
No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.
Average cost of car insurance in Philadelphia’s largest ZIP codes
The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Philadelphia and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.
| ZIP Code | Average Rate |
|---|---|
| 19124 | $4,321 |
| 19111 | $4,340 |
| 19120 | $4,266 |
| 19143 | $4,331 |
| 19149 | $3,947 |
| 19134 | $4,119 |
| 19104 | $4,341 |
| 19148 | $4,256 |
| 19140 | $4,469 |
| 19145 | $4,096 |
Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.
Cheap car insurance in Philadelphia by age
Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.
You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Philadelphia for similar drivers at various ages, according to NerdWallet’s most recent analysis.
Cheapest for 20-year-olds
While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Philadelphia pay, on average.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Travelers | $3,013 | NerdWallet rating 4.5 /5 |
| Selective | $4,652 | Not yet rated |
| Geico | $4,821 | NerdWallet rating 4.5 /5 |
| American National | $5,057 | NerdWallet rating 3.0 /5 |
| Westfield | $5,191 | Not yet rated |
| State Farm | $5,255 | NerdWallet rating 5.0 /5 |
| Cumberland Mutual | $5,786 | Not yet rated |
| Erie | $6,397 | NerdWallet rating 4.0 /5 |
| Allstate | $7,346 | NerdWallet rating 4.5 /5 |
| Progressive | $7,576 | NerdWallet rating 5.0 /5 |
Cheapest for 35-year-olds
By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.
Here’s what 35-year-old drivers might pay, on average, in Philadelphia, according to NerdWallet’s analysis.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Travelers | $1,748 | NerdWallet rating 4.5 /5 |
| State Farm | $2,197 | NerdWallet rating 5.0 /5 |
| Erie | $2,507 | NerdWallet rating 4.0 /5 |
| Cumberland Mutual | $2,520 | Not yet rated |
| Geico | $2,729 | NerdWallet rating 4.5 /5 |
| American National | $2,876 | NerdWallet rating 3.0 /5 |
| Selective | $3,023 | Not yet rated |
| Auto-Owners Insurance | $3,035 | NerdWallet rating 5.0 /5 |
| Westfield | $3,076 | Not yet rated |
| Nationwide | $3,663 | NerdWallet rating 5.0 /5 |
Cheapest for 60-year-olds
At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Philadelphia, according to NerdWallet’s most recent analysis.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Travelers | $1,518 | NerdWallet rating 4.5 /5 |
| Cumberland Mutual | $1,575 | Not yet rated |
| State Farm | $1,943 | NerdWallet rating 5.0 /5 |
| Erie | $2,410 | NerdWallet rating 4.0 /5 |
| Selective | $2,504 | Not yet rated |
| American National | $2,527 | NerdWallet rating 3.0 /5 |
| Westfield | $2,714 | Not yet rated |
| Geico | $2,739 | NerdWallet rating 4.5 /5 |
| Auto-Owners Insurance | $2,818 | NerdWallet rating 5.0 /5 |
| Progressive | $3,045 | NerdWallet rating 5.0 /5 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Philadelphia’s cheapest companies and rates by driving record
Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.
According to NerdWallet’s analysis, these are the average rates in Philadelphia by company for good drivers and those with violations on their record.
Good drivers
Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Philadelphia according to NerdWallet’s most recent analysis.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Travelers | $1,748 | NerdWallet rating 4.5 /5 |
| State Farm | $2,197 | NerdWallet rating 5.0 /5 |
| Erie | $2,507 | NerdWallet rating 4.0 /5 |
| Cumberland Mutual | $2,520 | Not yet rated |
| Geico | $2,729 | NerdWallet rating 4.5 /5 |
| American National | $2,876 | NerdWallet rating 3.0 /5 |
| Selective | $3,023 | Not yet rated |
| Auto-Owners Insurance | $3,035 | NerdWallet rating 5.0 /5 |
| Westfield | $3,076 | Not yet rated |
| Nationwide | $3,663 | NerdWallet rating 5.0 /5 |
Drivers with a DUI
Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.
Here are the average rates for drivers with a DUI in Philadelphia according to NerdWallet’s most recent analysis.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Travelers | $2,573 | NerdWallet rating 4.5 /5 |
| State Farm | $3,331 | NerdWallet rating 5.0 /5 |
| Cumberland Mutual | $3,405 | Not yet rated |
| American National | $4,043 | NerdWallet rating 3.0 /5 |
| Erie | $4,172 | NerdWallet rating 4.0 /5 |
| Progressive | $4,593 | NerdWallet rating 5.0 /5 |
| Allstate | $4,948 | NerdWallet rating 4.5 /5 |
| Selective | $5,383 | Not yet rated |
| Dairyland | $5,516 | NerdWallet rating 3.5 /5 |
| Geico | $5,630 | NerdWallet rating 4.5 /5 |
Drivers with an at-fault accident
If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Philadelphia, according to NerdWallet’s most recent analysis.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Travelers | $2,388 | NerdWallet rating 4.5 /5 |
| Cumberland Mutual | $2,520 | Not yet rated |
| State Farm | $2,899 | NerdWallet rating 5.0 /5 |
| Westfield | $3,076 | Not yet rated |
| Erie | $3,424 | NerdWallet rating 4.0 /5 |
| American National | $3,821 | NerdWallet rating 3.0 /5 |
| Selective | $4,194 | Not yet rated |
| Auto-Owners Insurance | $4,209 | NerdWallet rating 5.0 /5 |
| Geico | $4,553 | NerdWallet rating 4.5 /5 |
| Encompass | $5,419 | NerdWallet rating 4.0 /5 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Minimum car insurance requirements in Pennsylvania
Pennsylvania requires drivers to carry at least $15,000 in bodily injury liability per person and $30,000 per accident, $5,000 in property damage liability per accident, plus $5,000 in medical benefits coverage to drive legally in the state. You may want additional coverage, especially if you spend a lot of time driving, have a history of accidents or simply want a more extensive policy.
