Cheapest Car Insurance In Philadelphia, PA 2024
Sate Farm offers the lowest rates in Philadelphia, averaging $49 per month for basic car insurance coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for the most affordable car insurance in Philadelphia, PA, can reveal a wide range of options.
State Farm is the top pick for drivers wanting the most affordable liability-only coverage, while Nationwide provides the best rates on full coverage for those seeking more extensive protection. Travelers, on the other hand, has the lowest rates for younger drivers.
Cheapest Car Insurance In Philadelphia, PA 2024
Cheapest Liability-only Car Insurance In Philadelphia: State Farm
In Philadelphia, State Farm offers the most affordable minimum coverage car insurance, costing an average of $49 per month.
Refer to the table below to see a comparison of rates from different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $49 | $580 |
| Auto-Owners | $52 | $614 |
| Progressive | $63 | $751 |
| Allstate | $59 | $700 |
| GEICO | $75 | $890 |
Cheapest Full Coverage Insurance Rates In Philadelphia: Nationwide
Nationwide offers the lowest rates for full coverage car insurance, with an average quote of $104 per month in Philadelphia.
The table below shows average car insurance quotes from affordable providers in Philadelphia.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $104 | $1,237 |
| State Farm | $111 | $1,332 |
| Allstate | $124 | $1,485 |
| Auto-Owners | $107 | $1,279 |
| GEICO | $199 | $2,380 |
Cheapest Car Insurance Rates For Seniors: Travelers
Travelers offers the lowest car insurance rates for seniors in Philadelphia, averaging $84 per month.
The table below displays average quotes from the most affordable auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $84 | $1,004 |
| Auto-Owners | $103 | $1,230 |
| Nationwide | $91 | $1,072 |
| State Farm | $99 | $1,196 |
| Chubb | $156 | $1,850 |
Cheapest Rates In Philadelphia For Teenagers: Nationwide
In Philadelphia, teenage drivers can get the lowest quotes from Nationwide, with average monthly premiums around $224.
The table below highlights the companies offering the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $224 | $2,680 |
| State Farm | $330 | $3,950 |
| Travelers | $252 | $3,021 |
| Auto-owners | $290 | $3,472 |
| Progressive | $565 | $6,770 |
Cheapest Auto Insurance For Young Adults in Philadelphia: Travelers
For young adults in Philadelphia, Travelers provides the lowest quotes, with an average rate of $96 per month.
Use the table below to compare the lowest auto insurance rates for young adults in Philadelphia.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $96 | $1,150 |
| Allstate | $153 | $1,820 |
| Nationwide | $124 | $1,467 |
| Auto-Owners | $126 | $1,502 |
| State Farm | $128 | $1,536 |
Cheapest Car Insurance In Philadelphia For Good Drivers: State Farm
In Philadelphia, good drivers can get the lowest car insurance quotes from State Farm, averaging $50 per month.
Good drivers can refer to the table below to find average quotes from the most affordable insurance providers.
| Provider | Average Monthly Cost | AverageAnnual Cost |
| State Farm | $50 | $495 |
| Auto-Owners | $53 | $619 |
| Progressive | $64 | $760 |
| Allstate | $60 | $707 |
| GEICO | $77 | $896 |
Find affordable Philadelphia rates
Cheapest Car Insurance In Philadelphia After A Speeding Ticket: State Farm
State Farm stands out as a very affordable option in Philadelphia, offering average monthly rates of $112 for drivers with a speeding ticket.
Use the table below to check average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $112 | $1,346 |
| Nationwide | $148 | $1,775 |
| Allstate | $124 | $1,480 |
| Progressive | $195 | $2,340 |
| GEICO | $287 | $3,450 |
Cheapest Rates In Philadelphia For Drivers After A DUI: State Farm
For drivers with a DUI, State Farm offers the lowest rates in Philadelphia, with an average monthly premium of $124.
The table below displays the lowest rates for Philadelphia drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $124 | $1,480 |
| Progressive | $240 | $2,870 |
| Travelers | $131 | $1,563 |
| Nationwide | $252 | $3,016 |
| Chubb | $459 | $5,500 |
Cheapest For Drivers With After At-Fault Accident: Travelers
For drivers with an at-fault incident, Travelers provides the lowest car insurance quotes, averaging $120 per month.
Listed below are the car insurance companies offering the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $120 | $1,431 |
| Auto-Owners | $157 | $1,873 |
| State Farm | $135 | $1,618 |
| Nationwide | $169 | $2,026 |
| GEICO | $334 | $4,008 |
Best Car Insurance Companies In Philadelphia
In Philadelphia, drivers can secure the most affordable insurance through State Farm for $49 a month. Additionally, you might want to look at Auto-Owners for $52 or Progressive for $63 monthly.
Below is a list of the top 10 car insurance providers in Philadelphia, PA, arranged by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $49 |
| Auto-Owners | $52 |
| Progressive | $63 |
| Allstate | $59 |
| GEICO | $75 |
| Nationwide | $104 |
| Travelers | $49 |
| Erie | $69 |
| Chubb | $116 |
| Dairyland | $240 |
Average Auto Insurance Rates In Philadelphia – By Age
Age plays a significant role in determining car insurance rates. Generally, younger drivers face higher premiums because of their inexperience and a greater tendency to be involved in accidents and traffic violations. Teenagers can anticipate paying approximately $6,120 annually for car insurance.
Once drivers turn 25, their insurance rates typically start to drop, provided they keep a clean driving record.
Drivers in their 50s and early 60s frequently receive the best insurance rates. Insurance companies use age as a factor to evaluate driving experience and risk, affecting premium costs.
| Age | Average Yearly Rate |
| Teenagers | $6,120 |
| 20s | $3,614 |
| 30s | $2,570 |
| 40s | $2,426 |
| 50s | $2,130 |
| 60s | $2,016 |
| 70s | $2,268 |
Average Rates In Philadelphia – By Vehicle
The kind of vehicle you drive has a major impact on your car insurance premiums. Insurers consider various factors, including the make, model, year, and body style of the car. Generally, newer vehicles—especially luxury ones equipped with advanced features and higher replacement values—are associated with higher insurance costs.
The table below provides average rates in Philadelphia for various types of vehicles.
| Vehicle | Average Monthly Rate |
| Toyota Camry | $130 |
| Chevrolet Equinox | $182 |
| Nissan Rogue | $190 |
| Honda Civic | $140 |
| Ford F-150 | $171 |
Average Cost Of Auto Insurance In Philadelphia – By Zip Code
Insurers use zip codes to assess crime rates in specific areas, which means that car insurance rates can vary by zip code.
The table below displays average insurance rates for various zip codes in Philadelphia.
| Zip Code | Average Monthly Rate |
| 19116 | $194 |
| 19128 | $180 |
| 19118 | $203 |
| 19114 | $176 |
| 19154 | $180 |
How Much Is Car Insurance In Other Cities in Pennsylvania?
Where you live has a big impact on your car insurance costs. Insurers look at a range of location-based factors, like the chances of accidents, car theft, and vandalism, which are typically higher in cities. These risks often lead to higher insurance premiums.
For instance, drivers in Bensalem usually pay about $210 per month for car insurance, whereas those in Harrisburg pay an average of $142 monthly.
| City | Average Monthly Rate |
| Harrisburg | $142 |
| Pittsburgh | $159 |
| Allentown | $167 |
| Reading | $158 |
| Erie | $156 |
| Upper Darby | $241 |
| Scranton | $158 |
| Bethlehem | $153 |
| Bensalem | $210 |
| Lancaster | $145 |
Find affordable Philadelphia rates
Our Methodology
Based on a detailed analysis that considers factors like customer service ratings, product offerings, pricing, and insights from various online reviews and user experiences, I have created a comprehensive overview of car insurance providers in Philadelphia, PA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Pennsylvania ?
In Philadelphia, State Farm provides the most affordable rates for the minimum coverage mandated by the State of Pennsylvania, while Nationwide offers the lowest rates for full coverage, which encompasses both comprehensive and collision insurance.
What is the average cost of car insurance in Pennsylvania?
In Pennsylvania, the typical monthly cost for car insurance is around $160. However, rates can fluctuate depending on factors such as your zip code, vehicle year and model, driving history, and more.
