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Updated December 23, 2022
The cost of car insurance in Philadelphia can vary greatly depending on a number of factors, including the type of vehicle you drive and your personal driving record. Whether you’re a first-time car owner or an experienced driver, understanding the cost of car insurance in Philadelphia can help you make informed decisions about your coverage and ensure that you’re getting the best value for your money.
Table of contents
- How much does car insurance cost in Philadelphia?
- Cheapest car insurance in Philadelphia: Mile Auto
- How much car insurance do you need in Philadelphia?
- Tips for getting cheap car insurance in Philadelphia
- How age affects car insurance rates in Philadelphia
- How credit scores affect cheap car insurance in Philadelphia
- The effect of driving habits on car insurance in Philadelphia
- Find local Philadelphia agents
- Philadelphia car insurance FAQs
How much does car insurance cost in Philadelphia?
The average cost of liability-only car insurance in Philadelphia, Pennsylvania, is $207 a month. This is approximately $10 less per month than the Pennsylvania average of $217 a month.
Despite the city’s size, the average cost of car insurance in Philadelphia is lower than Pennsylvania’s average. Insurify data scientists gathered quotes for Philadelphia car insurance rates to identify the cheapest quotes in the area.
Cheapest liability-only coverage in Philadelphia: Mile Auto
Cheapest full-coverage insurance in Philadelphia: Mile Auto
Cheapest insurance for young drivers in Philadelphia: Mile Auto
Learn More: Cheap Car Insurance in Pennsylvania
Cheapest car insurance in Philadelphia: Mile Auto
The cheapest car insurance in Philadelphia is Mile Auto for both liability-only coverage ($89 a month on average) and full coverage ($117 per month on average).
Several factors can influence car insurance rates. Some of the most common factors include your vehicle, age, driving history, location, credit score, chosen coverage limits, and deductible.
Location is an important factor that can influence car insurance rates. Insurance companies often use location as a proxy for factors such as the likelihood of accidents, the likelihood of theft, and the cost of repairing or replacing a damaged vehicle. For example, a vehicle in a densely populated urban area may be more likely to be involved in an accident or be stolen and, therefore, may be charged higher rates than a similar vehicle in a rural area.
|Insurance Company||Liability Only||Full Coverage|
|Midvale Home & Auto||$202||$280|
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How much car insurance do you need in Philadelphia?
All motor vehicles in Pennsylvania have to have insurance. Place your insurance card in your car, as you’ll need it in the following situations:
When requested by law enforcement
When renewing vehicle registration
If your vehicle is involved in a car accident
$15,000 for bodily injury or death of one person in an accident
$30,000 for bodily injury or death of more than one person in an accident
$5,000 for property damage
Pennsylvania DMV information
If you want to get a driver’s license, renew your title, change your name on a license, or register a car, head to the Pennsylvania DMV. Schedule an appointment ahead of time, and make sure you bring all required documents to make the process as smooth as possible and prevent you from having to return.
Tips for getting cheap car insurance in Philadelphia
You can reduce car insurance premiums in several ways. Here are a few general tips that can help:
Consider bundling your car insurance with other types of insurance, such as homeowners or renters insurance. Many insurance companies offer discounts for bundling multiple policies.
Ask about discounts. Insurance companies may offer discounts for a variety of reasons, such as being a good driver, having safety features on your vehicle, or being a member of certain organizations.
Consider raising your deductible. A higher deductible means that you’ll have to pay more out of pocket in the event of a claim, but it can also result in lower premiums.
Maintain a good credit score. Insurance companies in Philadelphia may use your credit score to determine your risk of filing a claim, and a good credit score can lead to lower premiums.
Be a safe driver. Avoid speeding and other traffic violations, and try to avoid accidents. This can help you qualify for lower premiums and may also save you money on other costs, such as fines and increased insurance rates.
Consider reducing your coverage. If you have an older vehicle, you may be able to save money by reducing your coverage to only liability or dropping certain types of coverage, such as collision or comprehensive coverage. Keep in mind that this can also increase your financial risk, so it may not be the best option for everyone.
Shop around and compare quotes from different insurance companies. This can help you find the best coverage at the most affordable price.
Remember, comparison shopping for car insurance quotes can be a valuable tool for finding the right coverage at the most affordable price for you. Different insurance companies may offer different coverage options or discounts that may be a good fit for your specific situation. By comparing quotes, you can find a policy that provides the coverage you need and make an informed decision about your car insurance policy.
How age affects car insurance rates in Philadelphia
Age is an important factor in determining insurance premiums because it can predict someone’s driving experience and risk of filing a claim. Younger drivers, who may be less experienced and more likely to be involved in accidents, may be charged higher premiums than older drivers, who have a longer history of safe driving. On the other hand, older drivers may also be charged higher premiums if they’re considered to be more likely to have health issues that could affect their driving ability. Insurance companies may use age as one of several factors to determine a driver’s risk profile and set premiums accordingly.
Below are the average monthly insurance rates in Philadelphia, Pennsylvania, which show how age affects rates. The averages shown are for full-coverage policies.
|Age Group||Average Monthly Rate|
Cheapest car insurance for young drivers in Philadelphia: Kemper
The chart below shows the lowest average monthly car insurance rates for drivers under 30 years old. The cheapest insurer for young Philadelphia drivers is Kemper Preferred, followed by Mile Auto and Travelers.
Cheapest car insurance for middle-aged drivers in Philadelphia: Mile Auto
The chart below shows the lowest average monthly car insurance rates for drivers in their 30s, 40s, and 50s. The cheapest insurer for the category is Mile Auto, followed closely by Kemper, Travelers, and Clearcover.
Cheapest car insurance for senior drivers in Philadelphia: Mile Auto
The chart below shows the lowest average monthly car insurance rates for drivers in their 60s, 70s, and 80s. The cheapest insurer for the category is Mile Auto, followed closely by Progressive and Kemper Preferred.
How credit scores affect cheap car insurance in Philadelphia
A credit score is a numerical representation of a person’s credit history. It’s based on various factors, such as payment history, outstanding debt, and credit history.
Insurance companies often use credit scores to determine a driver’s risk of filing a claim. A good credit score can lead to lower insurance rates, while a poor credit score may result in higher rates. While a few states prohibit using credit to help determine rates, Pennsylvania allows companies to consider your credit score.
This practice is based on studies such as the Federal Trade Commission’s credit-based insurance score report, which shows a correlation between good credit and a lower likelihood of filing a claim. Additionally, insurance companies may view those with poor credit as being more likely to file a claim and, therefore, may charge them higher rates to offset this perceived increased risk.
The exact criteria used to determine a person’s credit score can vary depending on the credit-scoring model being used. FICO, the most widely used credit-scoring model, uses a tiered scoring system to assign labels to consumer credit scores:
Exceptional: More than 800
Very good: 740–799
Poor: Less than 580
Below are average monthly quotes for full-coverage policies in Philadelphia, Pennsylvania.
|Credit Tier||Average Monthly Rate|
The effect of driving habits on car insurance in Philadelphia
Driving habits can affect car insurance rates in several ways. For example, if you have a history of speeding or traffic violations, your insurance company may consider you to be a higher-risk driver and charge you higher rates. On the other hand, if you have a clean driving record and practice safe driving habits, such as obeying traffic laws and avoiding distracted driving, your insurance company may offer you lower rates.
Additionally, the number of miles you drive each year can also affect your insurance rates, as the more you drive, the greater the risk of an accident. Furthermore, if you drive in a high-traffic area or have a long daily commute, you may be charged higher rates due to the increased risk of an accident. In general, practicing safe driving habits can help you qualify for lower car insurance rates.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.
Cheapest car insurance with an accident in Philadelphia: Kemper
The average cost of car insurance if you have an accident in Philadelphia is $321. If you’re found to be at fault in an accident, your insurance company may consider you to be a higher-risk driver and charge you higher rates. Even if you’re not at fault, your rates may still increase if the accident causes significant damage to your vehicle or if you file a claim for injuries or other damages.
Cheapest car insurance with a DUI in Philadelphia: Dairyland
A DUI (driving under the influence) conviction can significantly impact your car insurance rates. Insurance companies view DUIs as extremely risky behavior, so they may raise your rates to cover the risk or not renew your insurance policy altogether. Based on Insurify data, many insurers prefer not to issue policies to Philadelphia drivers with DUIs.
Cheapest car insurance with a speeding ticket in Philadelphia: Kemper
As with a DUI, it appears a speeding ticket in Philadelphia may make many insurers hesitate to cover you. Insurance companies consider speeding tickets to be a sign of reckless or careless driving, and having a speeding ticket on your driving record can make you a higher-risk driver in their eyes.
Car insurance in other Pennsylvania cities
If you’re interested in finding out car insurance quotes for other cities in Pennsylvania, below is information for several other large cities in the Keystone State.
Find local Philadelphia agents
Wilson Insurance & Financial Planning1732 W Cheltenham Ave,
Philadelphia, PA 19126
Ferullo Insurance Agencies LLC1636 S. Front Street,
Philadelphia, PA 19148
Freedom Insurance Group IncGrant Academy Shopping Center,
Philadelphia, PA 19114
Main Line Risk Management4950 Parkside Ave Ste 105,
Philadelphia, PA 19131
Terra Insurance Services Llc1879 COTTMAN AVENUE,
Philadelphia, PA 19111
Butrus & Whalon Inc138 N 2nd St,
Philadelphia, PA 19106-1902
Boardman & Hamilton Co8459 Ridge Ave,
Philadelphia, PA 19128-2119
The Imperial Agency6444 Sackett St,
Philadelphia, PA 19149
Troast-Singley Insurance Agency Llc2700 S 18th St,
Philadelphia, PA 19145-4703
Peachtree Insurance Group428 Wharton St,
Philadelphia, PA 19147-5227
Philadelphia car insurance FAQs
Here are answers to some commonly asked questions about car insurance in Philadelphia.
The average car insurance rate in Pennsylvania is $217 a month. In Philadelphia specifically, the average monthly cost for full coverage is $326, while the average monthly cost for liability-only coverage is $236.
Car insurance in Philly is not as expensive as in some parts of Pennsylvania and actually comes in below the state average. However, some things to consider are that Philadelphia is a large city and is also prone to snow in the wintertime. This could affect car insurance rates, although your rate will depend on numerous factors, not just your location.
The cheapest car insurance company in Philadelphia is Mile Auto. The average monthly cost for Mile Auto full-coverage insurance is $137. For Mile Auto’s liability-only coverage, the average is $82 per month.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed December 23, 2022
- Pennsylvania Department of Transportation. "Fact Sheet: Insurance Law." Accessed December 23, 2022
- National Association of Insurance Commissioners. "Credit-based Insurance Scores." Accessed December 23, 2022
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?." Accessed December 23, 2022