Car insurance coverage in Philadelphia costs an average of $1,990 annually for full coverage. That's $543 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Philadelphia, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.
Read this guide to find out which insurance companies in Philadelphia provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.
Cheapest car insurance companies in Philadelphia
Automobile of Hartford is the cheapest car insurance company in Philadelphia with an average cost of $1,140 per year, based on insurance.com's rate analysis. While Nationwide General is second in terms of the cheapest car insurance companies in Philadelphia. The table below shows how major insurance carriers rank for price.
| Company | Average Annual Rates |
|---|---|
| Automobile of Hartford | $1,140 |
| Nationwide General | $1,264 |
| GEICO Secure | $1,300 |
| State Farm Mutl Automobile Ins | $1,425 |
| USAA Casualty | $1,752 |
| Progressive Advanced | $1,804 |
| Erie Ins Exchange | $2,013 |
| Auto-Owners | $2,093 |
| Allstate F&C | $2,419 |
| Metropolitan Casualty | $4,688 |
Cheapest car insurance cost in Philadelphia by age group
Among the carriers surveyed by Insurance.com, Geico Cas Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,952 a year or $163 a month.
Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Cas Co is also the cheapest auto insurance company for seniors with an average cost of $2,148 annually.
Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.
Geico Cas Co offers the cheapest car insurance for young adults in Philadelphia at about $2,482 a year. While Geico Cas Co is the cheapest insurance provider for teen drivers for full coverage at an average of $5,451 a year.
The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.
| Company Name | Adults | Seniors | Teens | Young Adults |
|---|---|---|---|---|
| Geico Cas Co | $1,952 | $2,148 | $5,451 | $2,482 |
| State Farm Mut Auto Ins Co | $2,398 | $2,283 | $6,447 | $3,837 |
| Erie Ins Exch | $2,543 | $2,597 | $6,427 | $4,123 |
| Progressive Specialty Ins Co | $3,335 | $2,887 | $9,159 | $5,301 |
| Nationwide Affinity Co of Amer | $3,656 | $3,513 | $9,181 | $5,430 |
| Allstate Fire & Cas Ins Co | $4,769 | $4,890 | $15,181 | $7,293 |
Cheapest car insurance companies in Philadelphia by driver profile
Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.
However, you can still find affordable coverage in Philadelphia no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.
- Cheapest for a driver with Poor Credit: USAA
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: USAA
USAA is the cheapest car insurance company for a driver with poor credit in Philadelphia. Its average annual rate is $2,662 or $222 a month.
Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.
| Company | Avgerage Annual Rates |
|---|---|
| USAA | $2,662 |
| Nationwide | $3,022 |
| Geico | $4,152 |
| State Farm | $4,323 |
| Automobile Ins Co of Hartford | $5,119 |
| Progressive | $5,389 |
| Auto-Owners Ins Co | $5,501 |
| Erie Ins | $7,293 |
| Allstate | $8,766 |
| Metropolitan | $16,542 |
Cheapest auto insurance for drivers with a speeding ticket: State Farm
State Farm is the cheapest auto insurance company for a driver with a speeding ticket in Philadelphia. Its average annual premium is $2,226 annually or $186 per month.
If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.
| Company | Avgerage Annual Rates |
|---|---|
| State Farm | $2,226 |
| Automobile Ins Co of Hartford | $2,330 |
| Geico | $2,714 |
| USAA | $2,984 |
| Progressive | $3,173 |
| Erie Ins | $3,378 |
| Nationwide | $3,515 |
| Auto-Owners Ins Co | $3,694 |
| Allstate | $5,011 |
| Metropolitan | $10,685 |
Cheapest auto insurance after an at-fault accident: State Farm
State Farm offers the cheapest car insurance rates for a driver with an accident record in Philadelphia at about $2,418 per year. Apart from State Farm, Automobile of Hartford, Nationwide, and Geico are other cheap insurance companies on our list.
| Company | Avgerage Annual Rates |
|---|---|
| State Farm | $2,418 |
| Automobile Ins Co of Hartford | $2,548 |
| Nationwide | $3,093 |
| Geico | $3,256 |
| USAA | $3,872 |
| Erie Ins | $3,914 |
| Progressive | $4,438 |
| Auto-Owners Ins Co | $4,973 |
| Allstate | $6,806 |
| Metropolitan | $23,722 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $2,226 year.
If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.
| Company | Avgerage Annual Rates |
|---|---|
| State Farm | $2,226 |
| Automobile Ins Co of Hartford | $2,662 |
| Progressive | $3,728 |
| Geico | $3,779 |
| USAA | $3,950 |
| Erie Ins | $4,450 |
| Nationwide | $4,507 |
| Allstate | $5,011 |
| Auto-Owners Ins Co | $8,844 |
| Metropolitan | $23,722 |
Average car insurance cost in Philadelphia
The average car insurance rate in Philadelphia is $1,990 a year for a full coverage policy of 100/300/100 for a driver age 30, $543 more than the national average of $1,447.
The average annual premium in Philadelphia for minimum coverage is $536 a year or $45 a month, based on Insurance.com's rate analysis.
| Average Annual Rates | State Minimum Average |
|---|---|
| $1,990 | $536 |