Philadelphia, PA Auto Insurance (2024)
The average Philadelphia, PA auto insurance rates are $624 per month. The minimum auto insurance in Philadelphia is at least 15/30/5 in coverage to comply with Pennsylvania auto insurance laws. To find the best cheap auto insurance in Philadelphia, Pennsylvania, compare quotes from multiple companies.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Philadelphia is USAA
- The minimum auto insurance required in Philadelphia, Pennsylvania is 15/30/5
- The most expensive auto insurance company in Philadelphia for teen drivers is Travelers
Philadelphia, Pennsylvania auto insurance requirements are 15/30/5 according to Pennsylvania auto insurance laws. Finding cheap auto insurance in Philadelphia can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Philadelphia, Pennsylvania, including driving record, credit, commute time, and more.
Compare auto insurance in Philadelphia to other Pennsylvania cities, including Philadelphia auto insurance rates, Reading auto insurance rates, and Lancaster auto insurance rates to see how Philadelphia, Pennsylvania auto insurance rates stack up.
Before you buy Philadelphia, Pennsylvania auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Philadelphia, Pennsylvania auto insurance quotes.
Minimum Auto Insurance in Philadelphia, Pennsylvania
Philadelphia, Pennsylvania auto insurance laws require that you have at least the Pennsylvania minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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 |
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Cheap Philadelphia, Pennsylvania Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Philadelphia, Pennsylvania are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Philadelphia, Pennsylvania Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Philadelphia, Pennsylvania is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Philadelphia, Pennsylvania Auto Insurance for Seniors
What are senior auto insurance rates in Philadelphia, Pennsylvania? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Philadelphia, Pennsylvania Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Philadelphia, Pennsylvania compared to the annual auto insurance rates with a clean record in Philadelphia, Pennsylvania.
| 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 |
Cheap Philadelphia, Pennsylvania Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Philadelphia, Pennsylvania is not easy. Compare the annual rates for DUI auto insurance in Philadelphia, Pennsylvania to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Philadelphia, Pennsylvania Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Philadelphia, Pennsylvania annual auto insurance rates by credit history compare.
| 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 |
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Cheap Philadelphia, Pennsylvania Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Philadelphia, Pennsylvania can vary. Compare the annual cost of auto insurance by ZIP code in Philadelphia, Pennsylvania to see how car insurance rates are affected by location.
| 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 |
Cheap Philadelphia, Pennsylvania Auto Insurance Rates By Commute
Commute length and annual mileage affect Philadelphia, Pennsylvania auto insurance. Find the cheapest annual Philadelphia, Pennsylvania auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Philadelphia, Pennsylvania Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Philadelphia, Pennsylvania? Check out the comparison of annual Philadelphia, Pennsylvania auto insurance rates by coverage level.
| 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 |
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Best By Category: Cheapest Auto Insurance in Philadelphia, Pennsylvania
Compare the cheapest auto insurance companies in Philadelphia, Pennsylvania in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Philadelphia, Pennsylvania Auto Insurance Companies
What auto insurance companies in Philadelphia, Pennsylvania are the cheapest? Compare the top Philadelphia, Pennsylvania auto insurance companies to find the best annual rates.
| 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 |
What affects auto insurance rates in Philadelphia, Pennsylvania?
There are a lot of reasons why auto insurance rates in Philadelphia, Pennsylvania are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Philadelphia, Pennsylvania. Many local factors may affect your Philadelphia auto insurance rates.
Philadelphia Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Philadelphia, Pennsylvania commute length is 33.6 minutes according to City-Data.
Philadelphia Traffic
How does Philadelphia, Pennsylvania rank for traffic? According to Inrix Philadelphia, Pennsylvania is the 5th most congested worldwide.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Compare Philadelphia, Pennsylvania Auto Insurance Quotes
Before you buy Philadelphia, Pennsylvania auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Philadelphia, Pennsylvania auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that protects vehicle owners against financial loss in the event of an accident, theft, or damage to their vehicles. It provides financial assistance for repairs, medical expenses, and liability claims.
Is auto insurance mandatory in Philadelphia, PA?
Yes, auto insurance is mandatory in Philadelphia, PA, as it is in the rest of Pennsylvania. The state requires drivers to carry liability insurance coverage, which helps pay for the damages or injuries caused to others in an accident.
What are the minimum auto insurance requirements in Philadelphia, PA?
In Philadelphia, PA, drivers must carry at least the following minimum liability insurance coverage:
- $15,000 for bodily injury per person
- $30,000 for bodily injury per accident
- $5,000 for property damage
Can I drive without insurance in Philadelphia, PA?
No, driving without insurance in Philadelphia, PA is illegal. If you are caught driving without insurance, you may face penalties such as fines, license suspension, and vehicle impoundment.
What other types of auto insurance coverage are available in Philadelphia, PA?
In addition to liability insurance, you have the option to purchase other types of auto insurance coverage in Philadelphia, PA. These may include:
- Collision coverage: Pays for repairs to your vehicle after a collision, regardless of fault.
- Comprehensive coverage: Provides coverage for damages to your vehicle caused by non-collision incidents, such as theft, vandalism, or weather-related events.
- Medical payments coverage: Helps cover medical expenses for you and your passengers, regardless of fault.
- Uninsured/underinsured motorist coverage: Protects you if you are involved in an accident with a driver who has insufficient or no insurance.
How can I find affordable auto insurance in Philadelphia, PA?
To find affordable auto insurance in Philadelphia, PA, consider the following tips:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a good driving record and avoid traffic violations.
- Increase your deductible, if you can afford to pay more out of pocket in case of a claim.
- Bundle your auto insurance with other policies, such as homeowners or renters insurance, to get a discount.
- Inquire about available discounts, such as safe driver discounts, multi-car discounts, or student discounts.
What should I do after an auto accident in Philadelphia, PA?
After an auto accident in Philadelphia, PA, follow these steps:
- Ensure your safety and the safety of others involved. Move to a safe location if possible.
- Call the police to report the accident.
- Exchange contact, insurance, and vehicle information with the other party involved.
- Take pictures of the accident scene and any damages to vehicles.
- Notify your insurance company and provide them with accurate details of the accident.
- Seek medical attention if necessary.
- Cooperate with your insurance company’s investigation of the accident.
Can I get insurance coverage for my rental car in Philadelphia, PA?
Yes, you can typically get insurance coverage for a rental car in Philadelphia, PA. Your personal auto insurance policy may provide coverage for rental vehicles. Additionally, rental car companies offer their own insurance options. Review your existing coverage and consider the rental car company’s insurance offers to determine the best option for you.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.