Cheapest Car Insurance Quotes in Philadelphia

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Philadelphia Car Insurance

^$ 45

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Philadelphia

The car insurance rate in Philadelphia is $1512 for a six-month policy, which is $699 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $684, making it a popular choice for budget-conscious drivers. Rates in Philadelphia can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Philadelphia

$1512

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Philadelphia

1st place: AutoOwners Insurance Co

At $684 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $950 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $1138 for six months, making it the third cheapest auto insurance company in Philadelphia.

Philadelphia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Philadelphia, PA is AutoOwners Insurance Co, offering policies at just $684 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $950.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1812 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Philadelphia drivers find the best deals.

Cheap Car Insurance Companies in Philadelphia, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$684	$113
American National P&C	$950	$162
Westfield	$1138	$190
Travelers	$1226	$206
Erie	$1492	$251
Nationwide	$1735	$292
State Farm	$1767	$298
Allstate	$1966	$331
USAA	$2089	$352
Progressive	$2597	$437
Auto-Owners	$707	$121
Encompass	$1812	$301

Key Takeaways

Way's key takeaways about car insurance in Philadelphia

The auto insurance costs in Philadelphia fall around $684 for six months.
The cheapest auto insurance company in Philadelphia is Westfield.
Teen drivers pay the highest rate in Philadelphia at $1352 per month.

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Cheapest Minimum Liability Car Insurance in Philadelphia

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Philadelphia are given below.

Westfield provides the cheapest minimum car insurance coverage in Philadelphia. Their Average 6 Month Premium is $266. AutoOwners is the most expensive at $143 for the same period.

Cheapest Liability Coverage in Philadelphia, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$266	$45
Auto-Owners Insurance Co	$277	$47
Erie	$353	$60
American National P&C	$365	$61
Chubb	$387	$65
Travelers	$409	$69
USAA	$485	$82
State Farm	$508	$86
Nationwide	$651	$110
Progressive	$740	$125
Allstate	$995	$167
Auto-Owners	$143	$24

Cheapest Full Coverage Car Insurance in Philadelphia

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Philadelphia is AutoOwners Insurance Co at $113 per month and $684 for six months.

Cheapest Full Coverage Car Insurance Quotes in Philadelphia, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$684	$113
American National P&C	$950	$162
Westfield	$1138	$190
Travelers	$1226	$206
Erie	$1492	$251
Nationwide	$1735	$292
State Farm	$1767	$298
Allstate	$1966	$331
USAA	$2089	$352
Progressive	$2597	$437
Auto-Owners	$707	$121
Encompass	$1812	$301

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Average Car Insurance in Philadelphia by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Philadelphia, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Philadelphia, Pennsylvania, may be increasing due to several external factors. Pennsylvania has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Philadelphia's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Philadelphia

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Philadelphia,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Philadelphia at $47 per month. At $8110 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$277	$47
Auto-Owners Insurance Co	$320	$54
American National P&C	$420	$71
Chubb	$463	$78
Erie	$1901	$320
Travelers	$2187	$368
State Farm	$3149	$530
USAA	$3679	$625
Allstate	$4795	$800
Progressive	$4806	$817
Nationwide	$8110	$1352

Teen Car Insurance Rates in PA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Philadelphia, Westfield is the cheapest car insurance provider. At $432 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Philadelphia is State Farm, offering rates of around $8816 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$432	$73
Auto-Owners Insurance Co	$443	$74
Chubb	$519	$87
American National P&C	$586	$100
USAA	$1890	$314
Nationwide	$1966	$331
Erie	$3447	$575
Allstate	$4153	$707
Travelers	$4529	$755
Progressive	$5061	$861
State Farm	$8816	$1469

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Car Insurance Rates with An Accident in Philadelphia

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Philadelphia, PA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Philadelphia

The cheapest car insurance companies after an at-fault accident in Philadelphia include Westfield and AutoOwners Insurance Co, offering $387 and $443, respectively. Donegal is an expensive provider with an average six-month premium of $432.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$387	$65
Auto-Owners Insurance Co	$443	$74
Chubb	$519	$87
American National P&C	$530	$89
Erie	$884	$149
State Farm	$1027	$173
Travelers	$1226	$206
USAA	$1590	$268
Nationwide	$2442	$415
Allstate	$2518	$420
Progressive	$2983	$508
Auto-Owners	$143	$24
Donegal	$432	$73

Philadelphia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Philadelphia PA. For example, the car insurance in Philadelphia after a DUI increases to $1856 for a six month policy. While the rate increases by $2044 for a six-month policy in the case of a speeding ticket.

Philadelphia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2044	$340
Cell phone violation	$2386	$405
Failure to wear a seat belt	$2386	$398
Failure to stop at a red light	$2409	$409
Illegal turn	$2409	$402
Improper passing	$2409	$409
Speeding in school zone	$2409	$402
Texting while driving	$2409	$409
Driving with expired registration	$2420	$404
Speeding 16 - 20 MPH over limit	$2420	$411
Wrong way/wrong lane	$2442	$407
Open container	$2585	$439
Reckless driving	$3768	$629
Racing	$3833	$651
DUI	$3900	$649
Driving with a suspended license	$3923	$668
Leaving scene of an accident/hit and run	$3956	$658

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Philadelphia after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Philadelphia.

The cheapest car insurance premiums in Philadelphia are offered by American National P&C at $597 for a six-month policy. However, it can be as expensive as $5137 with companies like Nationwide.

Philadelphia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$597	$99
Travelers	$1282	$216
Erie	$1601	$270
Allstate	$1778	$299
Progressive	$1944	$327
State Farm	$2265	$381
USAA	$2277	$383
Nationwide	$5137	$865

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Philadelphia are offered by Westfield at $233. However, it can be as expensive as $3581 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Philadelphia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$233	$39
Auto-Owners Insurance Co	$298	$50
Erie	$1027	$173
State Farm	$1315	$221
Travelers	$1425	$240
USAA	$2111	$352
Allstate	$2518	$428
Progressive	$3028	$504
Nationwide	$3581	$608

Car Insurance Price Trends in Philadelphia, Pennsylvania

Car insurance rates in Philadelphia have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Philadelphia remained steady at $340 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Philadelphia remained steady at $84 in both February and January, indicating no change over the two month period.

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Average Car Insurance Cost in Philadelphia by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Philadelphia. At $1512 for a six-month policy, insuring your car at 19126 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
19126	$1512	$252
19148	$1557	$260
19104	$1557	$260
19125	$1527	$255
19147	$1542	$258
19103	$1527	$255
19106	$1512	$252
19128	$1542	$258
19149	$1557	$260
19127	$1512	$252
19144	$1542	$258
19122	$1527	$255
19121	$1542	$258
19143	$1572	$263
19124	$1572	$263
19146	$1542	$258
19102	$1512	$252
19145	$1542	$258
19123	$1527	$255
19140	$1557	$260
19142	$1527	$255
19120	$1572	$263
19141	$1542	$258
19107	$1512	$252
19129	$1512	$252
19115	$1542	$258
19137	$1512	$252
19136	$1542	$258
19114	$1542	$258
19139	$1542	$258
19116	$1542	$258
19138	$1542	$258
19111	$1572	$263
19133	$1527	$255
19132	$1527	$255
19154	$1542	$258
19113	$1512	$252
19135	$1542	$258
19134	$1557	$260
19151	$1542	$258
19150	$1527	$255
19131	$1542	$258
19153	$1512	$252
19152	$1542	$258
19130	$1527	$255
19119	$1527	$255
19118	$1512	$252

Frequently Asked Questions

How much is car insurance in Philadelphia?

The car insurance in Philadelphia is $45 per month, which is higher than the national average.

What is the cheapest car insurance in Philadelphia?

The cheapest car insurance in Philadelphia is $113 per month for full coverage.

How much is car insurance in Philadelphia for teenagers?

Car insurance for teenagers costs $277 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Philadelphia?

The average cost of car insurance is $813 for a six-month policy. It will cost around $253 per month to insure your car in Philadelphia.

Is car insurance expensive in Philadelphia?

Car insurance can be expensive in Philadelphia if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Philadelphia can be affordable.

Cheapest Car Insurance Quotes in Philadelphia

Why you can trust Way?

How Much Is Car Insurance in Philadelphia

Avg. Car Insurance in Philadelphia

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Philadelphia

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Philadelphia Car Insurance Rates by Company

Cheap Car Insurance Companies in Philadelphia, PA

Way's key takeaways about car insurance in Philadelphia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Philadelphia

Cheapest Liability Coverage in Philadelphia, PA

Cheapest Full Coverage Car Insurance in Philadelphia

Cheapest Full Coverage Car Insurance Quotes in Philadelphia, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Philadelphia by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Philadelphia, PA increasing?

Car Insurance Premiums by Age in Philadelphia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Philadelphia,PA

If you are in your twenties N/A is the best choice for car insurance in Philadelphia.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Philadelphia

Cheapest Car Insurance Companies after an At-Fault Accident in Philadelphia

Philadelphia Car Insurance Rates by Violation

Philadelphia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Philadelphia after a DUI

Philadelphia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Philadelphia after Speeding ticket

Car Insurance Price Trends in Philadelphia, Pennsylvania

Average Car Insurance Cost in Philadelphia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Philadelphia, PA

Car Insurance Rates by State in the USA (2025 Update)

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