Car Insurance in Philadelphia, PA - May 2023

The annual average auto insurance in Philadelphia, PA, is $2145, higher than the annual average in Pennsylvania.

Way.com compared the most affordable car insurance companies based on coverage and driving history. Based on that, Way.com recommends the best car insurance in PA to help drivers concerned with quality and cost.

The average annual cost of minimum-coverage car insurance in Philadelphia is $1224. That's $606 more per year than the state average, making Pennsylvania's most expensive city for car insurance.

On average, full coverage auto insurance in Philadelphia would cost $3747 per year. Despite the City of Brotherly Love's high insurance prices, it is still possible to find affordable policies by car insurance quotes in Philadelphia.

Get a free car insurance quote in Pennsylvania today.

How Much Does Car Insurance Cost In Philadelphia?

Philadelphia RATES vs Pennsylvania vs the United States Averages

The average annual car insurance premium in Philadelphia, Pennsylvania, is $2679. This is more expensive than the Pennsylvania average of $1485 and the national average of $1557. Because policies are underwritten differently from one auto insurer to the next, rates vary significantly depending on which company you choose.

Furthermore, your car insurance premiums will increase as your driving profile evolves. For these reasons, it is strongly advised that drivers shop for car insurance quotes regularly to find the best car insurance coverage.

Continue reading to determine how much you can expect to pay in Philadelphia based on your credit score, gender, marital status, and other common factors.

Philadelphia Auto Insurance Premiums By Company

Comparing rates from multiple insurance providers and selecting the insurer that best fits your coverage needs is one of the best ways to save money on auto insurance. In Philadelphia, State Farm offers the average insurance customer the most affordable car insurance rates.

When looking for auto insurance quotes, make sure to ask a representative about discount eligibility.

We've compiled a list of the best cheap car insurance companies in Philadelphia to assist you in finding coverage and getting back on the road. Use this information as a starting point, and make sure to compare quotes that are tailored to your specific driving profile.

Philadelphia Auto Insurance Premiums By Age Group

Philadelphia drivers in their 20s pay car insurance rates of $3381 per year on average. Rates for Philadelphia drivers in their 60s are also reasonably priced, starting at $2,391 per year.

When drivers in Philadelphia reach their twenties, their insurance rates drop dramatically. In Philadelphia, the difference in car insurance premiums paid by teenage drivers and drivers in their twenties is $4371. This is the most significant premium disparity between any two age groups.

Philadelphia Auto Insurance Premiums By Marital Status

A driver's marital status and gender may affect their car insurance rates in some cases. In many areas, married drivers pay less for car insurance than single drivers. Rates for widowed people are also significantly lower than rates for single people. Surprisingly, single drivers in Philadelphia pay more than widowed drivers.

Philadelphia Auto Insurance Premiums By Gender

In Philadelphia, gender does not determine the cost of car insurance. Female drivers in Philadelphia pay the same for auto insurance as male drivers: $0 per year, to be exact.

Philadelphia Auto Insurance Premiums By Driving Record

Keep your driving record clean if you want to keep your car insurance costs low. Speeding tickets, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to raise rates.

DUI and reckless driving are two of the most expensive citations to receive. Drivers convicted of reckless driving in Philadelphia face an increase in insurance rates of $1,214 per year compared to the citywide average. A DUI conviction can result in a $1,037 rate increase, while a speeding ticket can increase a $282 rate.

Philadelphia Auto Insurance Premiums By Credit Rating

Lowering car insurance costs is one of the benefits of having a good credit score. Drivers who maintain a good credit score typically pay less for auto insurance than drivers with less-than-perfect credit histories.

Philadelphia drivers who raise their credit score from the "Very Poor" to the "Exceptional" tier save 61% on car insurance. Moving from the "Very Poor" credit tier to the "Fair" credit tier is one of the most significant steps a driver can take in the pursuit of lower car insurance rates.

What Would Increase Your Car Insurance Rate In Philadelphia?

Pennsylvania car insurance is expensive because it is a no-fault state with a high population density. The cost of car insurance is also steadily rising, both in Pennsylvania and nationally. As the cost of providing insurance rises, so do the premiums charged by insurers, and the rising cost of insurance affects all insured drivers. As a result, your rates tend to rise every time you renew your policy, regardless of whether any individual factors, such as your driving record or location, have changed.

Auto Theft Statistics In Philadelphia

There has been an increase in reported car thefts in Philadelphia. Of late, cars and valuable items have been reported stolen at a higher-than-usual rate.

There have been 210 auto thefts in Philadelphia this year, compared to 138 during the same period last year. Auto thefts in Philadelphia have increased by 19.5% overall, and car thefts have remained roughly constant compared to last year.

Residents are advised to close and lock all doors and windows when parking, park in well-lit areas whenever possible, and never leave keys in or on cars.

Accidents Statistics In Philadelphia

Despite having one of the lowest car ownership rates in the country, Philadelphia has a staggering number of traffic accidents each year. According to the Pennsylvania Department of Transportation, in 2011, there were 10905 car accidents in Philadelphia County, and total collisions had increased by 4% a decade later. In 2021, there were 11342 car accidents in Philadelphia.

During this period, the safest year in Philadelphia was 2014, when there were only 10632 traffic collisions. 2016 was the most dangerous year in the last decade. That year, there were 12201 car accidents in Philadelphia.

There will be 11342 car accidents in Philadelphia in 2021, which account for more than 8.9% of all accidents in Pennsylvania.

Useful Info For Driving In Philadelphia

If you've recently moved to Philadelphia, you should be familiar with the city's streets and roads. Navigating and switching between roads, among other things, can be difficult.

We've provided a few pointers below to help you understand what to expect while driving in Pennsylvania's largest city. With these suggestions, you can keep an adventurous or straightforward trip from becoming a nightmare. No one, by the way, is perfect.

Pennsylvania Turnpike

The Pennsylvania Turnpike is problematic for many visitors and residents navigating the state. The Pennsylvania Turnpike is a toll highway that runs 580 kilometers across Pennsylvania and is operated by the State Turnpike Commission. Remember that, as with toll roads, you may be charged when you exit the Turnpike.

Some people try to avoid paying their bills. Keep in mind that it is illegal to refuse to pay on purpose, so be prepared. Furthermore, while the Pennsylvania Turnpike is a highway, it runs through rural Pennsylvania. This means that you can't rule out the possibility of an animal crossing. Because Pennsylvania is rich in wildlife, walking through the city means looking for foxes, deer, skunks, and other animals.

Furthermore, if you're traveling through the Turnpike's western section, you can't miss the tunnels. It can be not very comforting for drivers who have never driven through a tunnel before. As long as you have a good headlight, stay calm, and stay in your lane, you'll be fine on the other side of the tunnel.

Check for the weather update regularly

The state is located on the northeastern coast of the United States. It has the whole gamut of weather conditions. Before you hit the road, check the weather channel to see if there will be heavy snow or even ice on the road. That isn't all. The rains can also be quite heavy. Even if you visit during the falls, make sure to stay informed because thick fogs can make things difficult.

No calls or texting while driving

Unless you are traveling from another country, most states in the United States have similar driving/road rules. It's never a bad idea to know the fundamentals. The driving/texting law and the Steer clear law are the two most important Philadelphia traffic laws.

Drivers are not permitted to use handheld devices such as phones to make calls, text, read, or send messages while the vehicle is in motion behind the wheel. If you do not have a hands-free assist, park your vehicle before making phone calls. If you are caught breaking this law, you may face a penalty.

Driving laws in Philadelphia

The ‘steer clear' law requires drivers to move at least one lane away from a road incident, such as an auto accident or another driver being stopped by a state trooper.

Beware of cyclists

This isn't meant to paint Philadelphia as a city of bad bicyclists. Instead, there will inevitably be some bad ones in a city where people enjoy riding bicycles, and you might not notice them coming because of their lightning-fast movement.

Car Insurance Companies In Philadelphia

Are you looking for cheap full coverage of auto insurance in Philadelphia, PA? Are you looking for great car insurance in Philadelphia that's also reasonably priced? Philadelphia auto insurance companies claim to have amazing discounts, clear policies, and custom coverage options. Our knowledgeable local agents are ready to assist you in understanding even the most complex state requirements, insurance terms, coverages, and deductibles.

Take a look at the top car insurance companies in Philadelphia below: