The Best Cheap Philadelphia Car Insurance Companies
Travelers has the cheapest car insurance in Philadelphia, at $182 per month for a full coverage policy.
Find Cheap Auto Insurance Quotes in Philadelphia
Best cheap Philadelphia insurance companies
How we chose the top companies
Best and cheapest car insurance in Philadelphia
- Cheapest full coverage: Travelers, $182/mo
- Cheapest minimum liability: Travelers, $69/mo
- Cheapest for young drivers: Travelers, $168/mo
- Cheapest after a ticket: Travelers, $221/mo
- Cheapest after an accident: State Farm, $235/mo
- Cheapest for teens after a ticket: Travelers, $201/mo
- Cheapest after a DUI: Travelers, $265/mo
- Cheapest for poor credit: Nationwide, $517/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie has the best combination of affordable rates and great customer service in Philadelphia. State Farm is also a great choice. It has good customer service too, but it's typically more expensive than Erie.
While Travelers has the cheapest rates for many drivers, its customer service reviews aren't as good as Erie's and State Farm's.
Cheapest auto insurance in Philadelphia: Travelers
Travelers has the cheapest full coverage car insurance in Philadelphia.
At $182 per month, a full coverage policy from Travelers is $126 per month less than the Philadelphia average.
Philadelphia drivers should also compare rates from Erie. Full coverage from Erie costs around $232 per month. Although that's quite a bit more than a policy from Travelers, Erie's excellent customer service may be worth the extra cost, especially if you have an accident in the future.
Find Cheap Auto Insurance Quotes in Philadelphia
The average cost of car insurance in Philadelphia is $309 per month for a full coverage policy. That makes it the most expensive city in Pennsylvania for car insurance. Average full coverage rates in Philly are $135 per month higher than the Pennsylvania state average.
Cheap full coverage auto insurance in Philadelphia, PA
Company | Monthly rate | |
|---|---|---|
| Travelers | $182 |
| Erie | $232 |
| State Farm | $235 |
| Geico | $339 |
| Nationwide | $372 |
*USAA is only available to current and former military members and their families.
Cheapest minimum coverage Philadelphia auto insurance: Travelers
Travelers has the cheapest minimum coverage auto insurance in Philadelphia.
At $69 per month, minimum coverage from Travelers is $32 per month less than the citywide average.
Erie is only a little more expensive, at $77 per month. But Erie has much better customer service reviews than Travelers, so it's often a better choice for drivers who can afford the extra cost.
Cheapest car insurance quotes in Philadelphia
Company | Monthly rate |
|---|---|
| Travelers | $69 |
| Erie | $77 |
| State Farm | $86 |
| Progressive | $103 |
| Geico | $107 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Philadelphia
Drivers with military ties should check out USAA, which has the overall cheapest minimum coverage insurance, at only $64 per month. However, only military members, veterans and some of their family members can get insurance from USAA.
Cheapest Philly car insurance for teens: Travelers
Travelers has the most affordable insurance for young drivers in Philadelphia.
A minimum coverage policy from Travelers costs around $168 per month for an 18-year-old. That's $92 per month less than the Philadelphia average.
Travelers also has the cheapest full coverage quotes for Philadelphia teens. At $398 per month, full coverage from Travelers costs around half the citywide average.
Monthly car insurance quotes for Philadelphia teens
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $168 | $398 |
| Erie | $191 | $552 |
| Geico | $218 | $661 |
| State Farm | $246 | $650 |
| Progressive | $273 | $1,031 |
*USAA is only available to current and former military members and their families.
Young drivers in Philadelphia pay around two and a half times more for car insurance than older, more experienced drivers. That's because teens have less practice behind the wheel, so they're more likely to cause an accident.
The best way for Philly teens to get cheap car insurance is by sharing a policy with their parents. A shared policy is typically much more affordable than two separate policies.
Young drivers should also try to qualify for as many discounts as possible. Many companies offer a good student discount if you get a "B" average in school.
You can also consider signing up for a safe driving program. These programs use your phone or a plug-in device to track your driving, and you can earn a big discount by practicing safe habits. They're also called telematics or usage-based discounts.
Cheap auto insurance in Philadelphia after a speeding ticket: State Farm
Travelers has the lowest rates in Philadelphia after a speeding ticket. At $221 per month, full coverage from Travelers costs $153 per month less than the citywide average.
Best car insurance in Philadelphia after a speeding ticket
Company | Monthly rate |
|---|---|
| Travelers | $221 |
| State Farm | $252 |
| Erie | $262 |
| Progressive | $391 |
| Allstate | $475 |
*USAA is only available to current and former military members and their families.
One speeding ticket will raise your rates by an average of 21% in Philadelphia. That's a difference of $68 per month for a full coverage policy.
Cheapest car insurance in Philadelphia after an accident: State Farm
State Farm has the most affordable full coverage rates after an at-fault accident, at $235 per month. That's $142 per month less than the Philadelphia average.
Best cheap auto insurance in Philadelphia after an accident
Company | Monthly rate |
|---|---|
| State Farm | $235 |
| Travelers | $249 |
| Erie | $262 |
| Nationwide | $372 |
| Progressive | $391 |
*USAA is only available to current and former military members and their families.
Don't worry about switching car insurance companies right after your accident. Your rates won't go up until your policy renews.
Instead, wait until you get your renewal offer from your current company a few weeks to a month before your policy expires. Then, you should shop around for multiple quotes to find the best rates.
Cheapest car insurance for Philly teens with a bad driving record: Travelers & Erie
Travelers has the most affordable insurance in Philadelphia for teens with a recent speeding ticket. Minimum coverage insurance from Travelers costs $201 per month for an 18-year-old with one speeding ticket. That's $95 per month less than the citywide average.
Erie has the lowest rates for young drivers with an at-fault accident on their record. At $216 per month, minimum coverage from Erie costs $79 per month less than the Philadelphia average.
Monthly minimum coverage quotes for Philly teens with a bad driving record
Company | Ticket | Accident |
|---|---|---|
| Travelers | $201 | $241 |
| Erie | $230 | $216 |
| State Farm | $268 | $246 |
| Progressive | $273 | $273 |
| Geico | $341 | $355 |
*USAA is only available to current and former military members and their families.
Philadelphia teens pay 14% more for car insurance after a speeding ticket or accident. That's a smaller increase than adults typically see after a ticket or accident, because teens are already considered high-risk drivers, even with a clean record.
Cheap auto insurance in Philadelphia, PA after a DUI: Travelers
Travelers has the most affordable full coverage quotes in Philadelphia after a DUI. A full coverage policy from Travelers costs around $265 per month after one DUI, which is around half the citywide average. It's also $130 per month less than the second-cheapest company, Erie.
Top car insurance companies in Philadelphia after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $265 |
| Erie | $395 |
| Allstate | $475 |
| Progressive | $481 |
| State Farm | $583 |
*USAA is only available to current and former military members and their families.
In Philadelphia, drivers pay an average of 66% more for car insurance after a DUI.
In addition, you may need to get SR-22 insurance after a DUI in Pennsylvania. Most companies charge between $15 and $50 to file an SR-22 form for you. This is on top of any increase in your car insurance rates.
Cheap car insurance in Philadelphia for drivers with poor credit: Nationwide
Nationwide has Philadelphia's cheapest car insurance for drivers with poor credit. At $517 per month, a full coverage policy from Nationwide costs $94 per month less than the Philadelphia average.
Drivers with poor credit who qualify for USAA can get even cheaper rates. At $245 per month, full coverage from USAA is half the cost of a policy from Nationwide.
Best cheap auto insurance in Philadelphia for poor credit
Company | Monthly rate |
|---|---|
| Nationwide | $517 |
| Travelers | $528 |
| Erie | $563 |
| Geico | $567 |
| Progressive | $680 |
*USAA is only available to current and former military members and their families.
People with a bad credit score pay nearly twice as much for car insurance in Philadelphia as those with good credit. That's because car insurance companies believe that drivers with poor credit are more likely to file a claim in the future, which makes them more expensive to insure.
Average car insurance cost in Philadelphia by neighborhood
Roxborough has the cheapest car insurance rates in Philadelphia, at $239 per month.
People living in Nicetown-Tioga and parts of Logan pay the highest rates in the city, at $368 per month.
Some Philadelphia neighborhoods have more crime or car accidents, which can result in higher car insurance rates. That's because people living in these areas are more likely to file a claim or get in an accident.
Full coverage car insurance quotes in Philadelphia by ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 19102 | $269 | -13% |
| 19103 | $269 | -13% |
| 19104 | $326 | 6% |
| 19106 | $273 | -12% |
| 19107 | $271 | -12% |
What's the best car insurance coverage in Philly?
Full coverage car insurance is the best choice for most Philadelphia drivers.
A full coverage policy has liability coverage along with collision and comprehensive coverage.
- Collision insurance pays for damage to your car when you hit another vehicle or object, regardless of whose fault it is.
- Comprehensive insurance pays for damage from things out of your control, including natural disasters, vandalism and theft.
If you have a car loan or lease, your lender typically requires you to have full coverage insurance. You should also invest in a full coverage policy if your car is fewer than eight years old or worth more than $5,000. If it's worth less than that, the value you can potentially get from a full coverage policy won't match what you're paying.
The most inexpensive auto insurance you can buy is a minimum coverage policy, which is the least amount of coverage you need to legally drive in the state. A minimum coverage policy will cost less upfront but only pays for damage you cause to others. It doesn't cover the cost of damage to your own vehicle.
Frequently asked questions
How much is car insurance in Philadelphia per month?
The average cost of full coverage car insurance in Philadelphia is $309 per month. Minimum coverage insurance costs an average of $100 per month.
Why is Philadelphia car insurance so expensive?
Car insurance in major cities like Philadelphia tends to be more expensive because there are more cars on the road, which leads to more accidents. Philly also has much higher car theft rates than the rest of Pennsylvania and the country as a whole, according to the FBI.
In addition, Philadelphia is in a no-fault state, which tends to raise rates.
What is the cheapest car insurance in Philadelphia?
Travelers has the cheapest full coverage car insurance in Philadelphia, at $182 per month. It also has the cheapest minimum coverage insurance, at $69 per month.
Is car insurance more expensive in Philadelphia?
Yes, Philadelphia has the most expensive car insurance rates in Pennsylvania. At $309 per month, full coverage insurance in Philadelphia is 78% more expensive than the Pennsylvania state average.
Methodology
To find the best cheap auto insurance in Philadelphia, ValuePenguin collected data from eight of the largest insurance companies in Pennsylvania. Quotes are for a 30-year-old single man with good credit and a clean driving record who owns a 2015 Honda Civic EX. Rates are for a full coverage policy unless otherwise noted.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Medical payments: $5,000
- Comprehensive and collision: $500 deductible
Minimum policies include the legally required amount of coverage in Pennsylvania.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.