Philadelphia Car Insurance - Pennsylvania

Enter your zip code below to view companies that have cheap auto insurance rates.

How much is car insurance in Philadelphia?

Around $1,000 for six months. It may be as cheap as $550 if you have a good driving record and your vehicle is not very expensive. For example my 1998 Ford Escort with RWD isn't worth more than about $2,500 and I pay around $100 per month

Why is car insurance so expensive in Philadelphia?

We all know car insurance is expensive in Philadelphia, but why? The city has the highest rates of any major metropolitan area.

Do you have to have car insurance in Philadelphia?

That's a great question. Why? Because not having car insurance in Philadelphia can land you in some hot water with the law! Yes, it is illegal to drive without car insurance in Philly. But not having car insurance doesn't just mean big issues come up if you're involved in an accident. It also means huge potential financial trouble if you get a ticket or even do something as minor as driving around on a suspended license! Depending on what happened, that could lead to hundreds u2013 even thousands u2013 of dollars of fines and penalties!

How much is car insurance in PA monthly?

This is because every driver's profile and driving record is different. For example, while one person may have poor driving skills but still manage to get cheap car insurance rates, someone else with perfect driving skills might not be able to get affordable car insurance coverage because of his/her record.

Philadelphia Car Insurance - PennsylvaniaPhiladelphia Car Insurance - Pennsylvania

Philadelphia Cheapest Companies

Cheapest Companies
Quotes
GEICO
$190/mo
Progressive
$200/mo
Travelers
$270/mo
The General
$324/mo

Around Cities

Pennsylvania Cities
Pittsburgh$145/mo
Allentown$154/mo
Erie$138/mo
Reading$157/mo
Philadelphia$247/mo
Pennsylvania$167/mo

Philadelphia Best Companies

Best Companies
Score ?
Quotes ?
American Family
89
$267/mo
Safeco
86
$223/mo
Liberty Mutual
82
$225/mo
Travelers
80
$173/mo

Philadelphia Drivers by Age

Driver Age
Avg. Monthly Cost
teens$478
20s$325
30s$250
40s$268
50s$246
60s$208
70s$240
80s$310

Driving History

Driving History
Avg. Monthly Cost
No Violation$282
Speeding Ticket$305
At-Fault Accident$306
Failure to Stop for Red Light / Stop Sign$308

Philadelphia Scores

Credit Tie
Avg. Monthly Cost
Excellent$251
Good$292
Average$289
Poor$293

Philadelphia Ratings

Cities with Most DUIs Rank#33
Cities with Most Moving Violations Rank#33
Most Popular Car in stateNissan Altima
Cities with Most Speeding Tickets Rank#28
Cities with Most Suspended Licenses Rank#36

Averages

Philadelphia Average (annual)Pennsylvania AverageUnited States Average
$2663$1474$1548

Group by Genders

Gender/Marital StatusAverage Yearly Rate
Female$2645
Male$2663
Single$2450
Married$2437
Divorced$2651
Widowed$2517

Violations

IncidentAverage Annual Rate
DWI/DUI$3675
Reckless Driving$3848
$1014$2899
$2015$4159
Speeding Ticket (16-20 mph over speed limit)$2969

Philadelphia Info

Major HighwaysI-95,U.S. 1,U.S. 13
Public TransitSEPTA Rail,SEPTA Bus,SEPTA Trolley
Toll RoadsBenjamin Franklin Bridge,Besty Ross Bridge,Walt Whitman Bridge

Philadelphia Zipcodes

  • 19019
  • 19092
  • 19093
  • 19099
  • 19101
  • 19102
  • 19103
  • 19104
  • 19105
  • 19106
  • 19107
  • 19108
  • 19109
  • 19110
  • 19111
  • 19112
  • 19113
  • 19114
  • 19115
  • 19116
  • 19118
  • 19119
  • 19120
  • 19121
  • 19122
  • 19123
  • 19124
  • 19125
  • 19126
  • 19127
  • 19128
  • 19129
  • 19130
  • 19131
  • 19132
  • 19133
  • 19134
  • 19135
  • 19136
  • 19137
  • 19138
  • 19139
  • 19140
  • 19141
  • 19142
  • 19143
  • 19144
  • 19145
  • 19146
  • 19147
  • 19148
  • 19149
  • 19150
  • 19151
  • 19152
  • 19153
  • 19154
  • 19155
  • 19160
  • 19161
  • 19162
  • 19170
  • 19171
  • 19172
  • 19173
  • 19175
  • 19176
  • 19177
  • 19178
  • 19179
  • 19181
  • 19182
  • 19183
  • 19184
  • 19185
  • 19187
  • 19188
  • 19190
  • 19191
  • 19192
  • 19193
  • 19194
  • 19195
  • 19196
  • 19197
  • 19244
  • 19255

Other cities of same state

Other cities from different states

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $61
Homeowner $17
5-yr Accident Free $81
5-yr Claim Free $86
Paid in Full/EFT $47
Advance Quote $66
Online Quote $94

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Discounts are estimated and may not be available from every company or in every state.

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