Average car insurance cost in Philadelphia

The average car insurance rate in Philadelphia for full coverage is $2,782 per year or $232 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Philadelphia is $648 per year. The state minimum liability limits are 15/30/5.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$1,391
Average annual premium$2,782
State minimum premium$648

Cheapest car insurance companies in Philadelphia

Travelers offers the cheapest rates on average at $1,585 per year. Nationwide is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Philadelphia.

CompanyAverage 6 month rateAverage annual rate
Travelers$792$1,585
Nationwide$1,221$2,442
Donegal Insurance$1,379$2,758
GEICO$1,489$2,977
Erie Insurance$1,575$3,150
Westfield Insurance$1,687$3,374
State Farm$1,709$3,418
Allstate$1,714$3,428
Progressive$1,724$3,449
USAA$1,396$2,791

Cheapest car insurance cost in Philadelphia by age group

Car insurance rates in Philadelphia vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Philadelphia by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Travelers
  • Cheapest for young adults: Travelers
  • Cheapest for adults: Travelers
  • Cheapest for seniors: Travelers

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Travelers offers the cheapest car insurance for teens at $4,815 per year.

Travelers offers the most affordable auto insurance for young adults at $2,370 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Travelers provides the lowest car insurance rates at $1,589 per year for adult drivers in Philadelphia.

Travelers offers the least expensive car insurance for senior drivers in Philadelphia, at $1,580 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Travelers$4,815$2,370$1,589$1,580
Nationwide$8,697$3,889$2,409$2,255
Donegal Insurance$10,636$6,171$2,776$3,021
GEICO$7,698$4,625$3,036$3,003
Erie Insurance$8,548$5,143$3,162$3,223
Allstate$9,755$5,804$3,409$3,384
Westfield Insurance$7,889$5,332$3,414$3,351
State Farm$11,451$5,491$3,424$3,353
Progressive$12,206$5,671$3,446$3,447
USAA$9,213$4,457$2,863$2,781

Cheapest car insurance companies in Philadelphia by driver profile

Car insurance rates in Philadelphia vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Philadelphia by driver profile.

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Philadelphia pay about $3,478 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Philadelphia.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$1,739$3,478
Travelers$2,248$4,496
GEICO$2,872$5,744
Allstate$2,955$5,910
Progressive$3,055$6,110
Erie Insurance$3,882$7,763
State Farm$7,222$14,443

Cheapest auto insurance after an at-fault accident: Travelers

In Philadelphia, Travelers offers the cheapest car insurance for drivers with at-fault accident at $2,074 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Philadelphia.

CompanyAverage 6 month premiumAverage annual premium
Travelers$1,037$2,074
Nationwide$1,917$3,834
State Farm$1,937$3,873
Erie Insurance$1,991$3,982
GEICO$2,363$4,726
Allstate$2,383$4,766
Progressive$2,630$5,260
USAA$2,042$4,084

Cheapest auto insurance after a DUI: Travelers

Travelers offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,256 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Philadelphia.

CompanyAverage 6 month premiumAverage annual premium
Travelers$1,128$2,256
State Farm$1,833$3,665
Progressive$2,079$4,157
GEICO$2,456$4,911
Erie Insurance$2,480$4,960
Nationwide$2,874$5,748
USAA$1,879$3,758

Cheapest for drivers with a speeding ticket: Travelers

Travelers offers the cheapest car insurance at $1,930 in Philadelphia for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Travelers$965$1,930
Erie Insurance$1,747$3,493
State Farm$1,833$3,665
Nationwide$2,100$4,199
GEICO$2,260$4,519
USAA$1,565$3,130

Car insurance discounts for Philadelphia drivers

The biggest car insurance discount available in Philadelphia is for the years insured category at 40.99%, offered by Nationwide.

Car insurance is essential for drivers in Philadelphia, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Philadelphia drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$4,9053.77%$183
Air BagsDonegal$5,2661.65%$86
Air BagsErie Insurance$2,9441.30%$39
Air BagsGEICO$3,1533.50%$116
Air BagsNationwide$2,7723.55%$99
Air BagsProgressive$3,2662.18%$72
Air BagsTravelers$2,0111.41%$28
Air BagsWestfield Insurance$3,1331.46%$46
Anti-Theft DeviceAllstate$4,9051.60%$78
Anti-Theft DeviceDonegal$5,2662.72%$144
Anti-Theft DeviceErie Insurance$2,9441.22%$36
Anti-Theft DeviceGEICO$3,1530.72%$22
Anti-Theft DeviceNationwide$2,7721.39%$39
Anti-Theft DeviceProgressive$3,2661.28%$42
Anti-Theft DeviceState Farm$2,4041.34%$33
Anti-Theft DeviceWestfield Insurance$3,1331.84%$58
Daily CommuteDonegal$5,2665.30%$279
Daily CommuteErie Insurance$2,9446.26%$184
Daily CommuteWestfield Insurance$3,1335.89%$184
Days Advanced PurchaseAllstate$4,90525.25%$1,234
Days Advanced PurchaseDonegal$5,2669.42%$496
Days Advanced PurchaseErie Insurance$2,9445.97%$176
Days Advanced PurchaseNationwide$2,7724.26%$118
Days Advanced PurchaseProgressive$3,2663.64%$119
Days Advanced PurchaseTravelers$2,01114.36%$289
Days Advanced PurchaseWestfield Insurance$3,13311.00%$345
Days Per Week DrivenDonegal$5,2663.04%$160
EducationProgressive$3,2665.51%$180
Electronic Funds TransferAllstate$4,9053.99%$195
Electronic Funds TransferTravelers$2,0113.97%$80
Electronic SignatureProgressive$3,2667.90%$258
HomeownerAllstate$4,9054.36%$214
HomeownerProgressive$3,2662.16%$70
Lower Annual MileageAllstate$4,9054.20%$206
Lower Annual MileageDonegal$5,2669.61%$506
Lower Annual MileageErie Insurance$2,9444.26%$126
Lower Annual MileageGEICO$3,1536.25%$197
Lower Annual MileageState Farm$2,4049.48%$228
Lower Annual MileageTravelers$2,0116.39%$129
Loyalty - Years Renewal With CompanyDonegal$5,2669.60%$506
Loyalty - Years Renewal With CompanyErie Insurance$2,9444.68%$138
Loyalty - Years Renewal With CompanyNationwide$2,7726.41%$178
Loyalty - Years Renewal With CompanyProgressive$3,2630.63%$20
Loyalty - Years Renewal With CompanyState Farm$2,40423.12%$555
Loyalty - Years Renewal With CompanyWestfield Insurance$3,1332.94%$92
Marital StatusAllstate$4,9056.15%$300
Marital StatusDonegal$5,26618.12%$954
Marital StatusErie Insurance$2,9443.09%$91
Marital StatusNationwide$2,7729.61%$266
Marital StatusProgressive$3,26612.01%$393
Marital StatusWestfield Insurance$3,1331.82%$57
Multi PolicyAllstate$4,9059.75%$476
Multi PolicyDonegal$5,2669.68%$510
Multi PolicyErie Insurance$2,9448.90%$262
Multi PolicyGEICO$3,1533.67%$116
Multi PolicyNationwide$2,7727.41%$206
Multi PolicyProgressive$3,2666.79%$222
Multi PolicyState Farm$2,40411.85%$285
Multi PolicyTravelers$2,0117.21%$145
Multi PolicyWestfield Insurance$3,1339.33%$292
Paperless/Electornic DocumentsAllstate$4,9057.98%$390
Paperless/Electornic DocumentsNationwide$2,7724.26%$118
Paperless/Electornic DocumentsProgressive$3,2660.93%$30
Payment TypeAllstate$4,9057.34%$361
Payment TypeDonegal$5,2664.73%$249
Payment TypeErie Insurance$2,9447.96%$234
Payment TypeGEICO$3,15320.00%$631
Payment TypeTravelers$2,0114.97%$100
Payment TypeWestfield Insurance$3,1334.66%$146
Primary UseAllstate$4,9054.69%$229
Primary UseDonegal$5,26615.86%$835
Primary UseErie Insurance$2,94417.55%$517
Primary UseNationwide$2,7728.53%$237
Primary UseState Farm$2,40419.44%$468
Primary UseTravelers$2,0114.83%$97
Primary UseWestfield Insurance$3,1338.43%$264
ProfessionProgressive$3,26620.41%$667
Safety DevicesAllstate$4,9055.63%$275
Safety DevicesDonegal$5,2662.35%$123
Safety DevicesErie Insurance$2,9441.31%$38
Safety DevicesProgressive$3,2663.72%$121
Safety DevicesWestfield Insurance$3,1331.40%$44
TelematicsNationwide$2,7727.14%$198
TelematicsProgressive$3,2669.95%$325
Years InsuredAllstate$7,38823.86%$1,758
Years InsuredDonegal$7,2669.59%$697
Years InsuredGEICO$2,7121.32%$35
Years InsuredNationwide$5,06640.99%$2,077
Years InsuredProgressive$4,08613.97%$570
Years InsuredTravelers$2,34013.25%$310
Years InsuredWestfield Insurance$3,7734.69%$177
Years LicensedDonegal$10,05727.75%$2,791
Years LicensedErie Insurance$3,81620.48%$782
Years LicensedGEICO$5,34726.25%$1,408
Years LicensedProgressive$6,00028.83%$1,731
Years LicensedState Farm$2,98617.06%$509
Years LicensedTravelers$3,93439.32%$1,546

How to get cheap car insurance in Philadelphia in 2025

Find affordable car insurance in Philadelphia by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Philadelphia.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Pennsylvania