Best Cheap Auto Insurance in Philadelphia, PA (2021)

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.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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

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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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Philadelphia, Pennsylvania

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Philadelphia, Pennsylvania

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.

Annual Philadelphia, Pennsylvania Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Philadelphia, Pennsylvania

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.

Annual Auto Insurance Rates by Credit Score in Philadelphia, Pennsylvania

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

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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.

Annual Auto Insurance Rates by ZIP Code in Philadelphia, Pennsylvania

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.

Annual Auto Insurance Rates by Commute Length in Philadelphia, Pennsylvania

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.

Annual Auto Insurance Rates by Coverage Level in Philadelphia, Pennsylvania

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

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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.

Best Annual Auto Insurance Rates by Company in Philadelphia, Pennsylvania

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.

Average Annual Auto Insurance Rates by Company in Philadelphia, Pennsylvania

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

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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.

Free Auto Insurance Comparison

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

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