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The annual average auto insurance in Philadelphia, PA, is $2145, higher than the annual average in Pennsylvania. compared the most affordable car insurance companies based on coverage and driving history. Based on that, 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.

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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.

Philadelphia (annual average) Pennsylvania (annual average) the United States
$2679 $1485 $1557

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.

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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.

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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:

Car insurance companies
Erie The Hartford
State Farm USAA
Nationwide MetLife
Elephant Insurance Co.
Progressive Markel
Allstate American National
USAA Amica
Auto Club Insurance Association Westfield Insurance

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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


How much is car insurance in Philadelphia?

The annual average auto insurance in Philadelphia, PA, is $2145, higher than the annual average in Pennsylvania. The average annual cost of minimum-coverage car insurance in Philadelphia is $1224.

Why is car insurance so expensive in Philadelphia?

Higher population density means higher claim rates higher insurance premiums for Philadelphia drivers. Furthermore, some factors are unique to Philadelphia, which explains why the city's car insurance rates are so high. In addition, Philadelphia has a higher rate of uninsured drivers than the rest of the state.

What is the average car insurance cost in Philadelphia?

The annual average auto insurance in Philadelphia, PA, is $2145, higher than the annual average in Pennsylvania. The average annual cost of minimum-coverage car insurance in Philadelphia is $1224.

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Learn more by city and state for car insurance

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