Cheapest Car Insurance Quotes in Philadelphia

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Philadelphia Car Insurance

^$ 44

/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 $1426 for a six-month policy, which is $647 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $673, 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

$1426

Avg. Car Insurance in Pennsylvania

$779

National Average

$1140

Cheapest Car Insurance Companies in Philadelphia

1st place: AutoOwners Insurance Co

At $673 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 $935 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1010 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 $673 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $935.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1782 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	$673	$112
American National P&C	$935	$159
Travelers	$1010	$170
Westfield	$1120	$190
Erie	$1391	$234
State Farm	$1534	$258
Nationwide	$1620	$273
Allstate	$1934	$326
USAA	$1956	$329
Progressive	$2456	$414
Auto-Owners	$695	$119
Encompass	$1782	$296

Key Takeaways

Way's key takeaways about car insurance in Philadelphia

The auto insurance costs in Philadelphia fall around $673 for six months.
The cheapest auto insurance company in Philadelphia is Westfield.
Teen drivers pay the highest rate in Philadelphia at $1124 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 $262. AutoOwners is the most expensive at $141 for the same period.

Cheapest Liability Coverage in Philadelphia, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$262	$44
Auto-Owners Insurance Co	$273	$46
Travelers	$326	$55
Erie	$348	$59
American National P&C	$359	$60
Chubb	$381	$64
State Farm	$456	$77
USAA	$489	$82
Progressive	$554	$92
Nationwide	$565	$97
Allstate	$902	$150
Auto-Owners	$141	$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 $112 per month and $673 for six months.

Cheapest Full Coverage Car Insurance Quotes in Philadelphia, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$673	$112
American National P&C	$935	$159
Travelers	$1010	$170
Westfield	$1120	$190
Erie	$1391	$234
State Farm	$1534	$258
Nationwide	$1620	$273
Allstate	$1934	$326
USAA	$1956	$329
Progressive	$2456	$414
Auto-Owners	$695	$119
Encompass	$1782	$296

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1032
30s	Travelers	$714
40s	Travelers	$672
50s	Travelers	$642
60s	Travelers	$642
70s	Travelers	$756

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 $46 per month. At $6740 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$273	$46
Auto-Owners Insurance Co	$315	$53
American National P&C	$414	$70
Chubb	$456	$77
Travelers	$1305	$220
Erie	$1598	$269
State Farm	$2185	$368
USAA	$2869	$489
Allstate	$4804	$802
Progressive	$6652	$1131
Nationwide	$6740	$1124

Teen Car Insurance Rates in PA by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Philadelphia.

As young drivers face the highest rates in Philadelphia, Travelers offers the cheapest auto insurance rates at $1032 for six months.

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 $425 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 $5838 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$425	$71
Auto-Owners Insurance Co	$436	$73
Chubb	$511	$86
American National P&C	$576	$99
USAA	$1652	$275
Nationwide	$1674	$282
Erie	$2663	$445
Travelers	$3021	$514
Allstate	$4066	$677
Progressive	$4478	$761
State Farm	$5838	$974

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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 $381 and $436, respectively. Donegal is an expensive provider with an average six-month premium of $425.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$381	$64
Auto-Owners Insurance Co	$436	$73
Chubb	$511	$86
American National P&C	$522	$88
Erie	$750	$126
Travelers	$783	$132
State Farm	$805	$135
USAA	$1424	$240
Nationwide	$2022	$344
Allstate	$2478	$414
Progressive	$2630	$447
Auto-Owners	$141	$24
Donegal	$425	$71

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 $1827 for a six month policy. While the rate increases by $2011 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	$2011	$335
Cell phone violation	$2348	$399
Failure to wear a seat belt	$2348	$392
Failure to stop at a red light	$2370	$403
Illegal turn	$2370	$395
Improper passing	$2370	$403
Speeding in school zone	$2370	$395
Texting while driving	$2370	$403
Driving with expired registration	$2381	$397
Speeding 16 - 20 MPH over limit	$2381	$404
Wrong way/wrong lane	$2403	$401
Open container	$2544	$432
Reckless driving	$3708	$619
Racing	$3772	$641
DUI	$3838	$639
Driving with a suspended license	$3859	$657
Leaving scene of an accident/hit and run	$3892	$648

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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 $587 for a six-month policy. However, it can be as expensive as $4555 with companies like Nationwide.

Philadelphia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$587	$97
Travelers	$924	$156
Erie	$1369	$231
Allstate	$1749	$295
Progressive	$1848	$311
State Farm	$1859	$313
USAA	$1945	$328
Nationwide	$4555	$767

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 $229. However, it can be as expensive as $2946 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	$229	$38
Auto-Owners Insurance Co	$293	$49
Erie	$836	$141
Travelers	$836	$141
State Farm	$957	$161
USAA	$1848	$307
Allstate	$2478	$421
Progressive	$2630	$439
Nationwide	$2946	$501

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 rose by $309 in January compared to $306 of December. In other words, there has been an increase by $3 when you compare January and December.

The average cost of liability insurance in the Philadelphia rose to $70 in January, compared to $68 in December. This represents an increase of $2 when comparing January and December.

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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 $1425 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	$1425	$239
19148	$1468	$246
19104	$1468	$246
19125	$1439	$242
19147	$1454	$244
19103	$1439	$242
19106	$1425	$239
19128	$1454	$244
19149	$1468	$246
19127	$1425	$239
19144	$1454	$244
19122	$1439	$242
19121	$1454	$244
19143	$1482	$249
19124	$1482	$249
19146	$1454	$244
19102	$1425	$239
19145	$1454	$244
19123	$1439	$242
19140	$1468	$246
19142	$1439	$242
19120	$1482	$249
19141	$1454	$244
19107	$1425	$239
19129	$1425	$239
19115	$1454	$244
19137	$1425	$239
19136	$1454	$244
19114	$1454	$244
19139	$1454	$244
19116	$1454	$244
19138	$1454	$244
19111	$1482	$249
19133	$1439	$242
19132	$1439	$242
19154	$1454	$244
19113	$1425	$239
19135	$1454	$244
19134	$1468	$246
19151	$1454	$244
19150	$1439	$242
19131	$1454	$244
19153	$1425	$239
19152	$1454	$244
19130	$1439	$242
19119	$1439	$242
19118	$1425	$239

Frequently Asked Questions

How much is car insurance in Philadelphia?

The car insurance in Philadelphia is $44 per month, which is higher than the national average.

What is the cheapest car insurance in Philadelphia?

The cheapest car insurance in Philadelphia is $112 per month for full coverage.

How much is car insurance in Philadelphia for teenagers?

Car insurance for teenagers costs $273 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 $779 for a six-month policy. It will cost around $240 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: Travelers

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 Travelers 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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