Cheap Car Insurance in Philadelphia, PA

In the market for cheap auto insurance in Philadelphia, PA? At, you could find the lowest cost insurance rates within your town. In order to obtain free car insurance quotes offered by the leading providers immediately, enter your zip code within the quote box in this posting.

The “City of Brotherly Love” has a long history and a deep culture dating all the way back to the colonial period of US history. It is the largest city within the state, and the beautiful landscape partnered with metropolitan attractions keep new citizens coming to settle there. It is home to the Liberty Bell and several information-based industries.

  • Fun fact: book a tour guide, because Philadelphia is #4 (19106) on the main list of “Top 101 zip codes with the most museums in 2005”. Learn more about Philadelphia by clicking here.

Auto Insurance Coverage Requirements in Pennsylvania

Driving legally in Philadelphia requires:

CoverageRequirementsMost Common
Bodily Injury Liability15,000/30,000100,000/300,000
Property Damage Liability5,00050,000
Uninsured Motorist Bodily InjuryNot required100,000/300,000
Medical Payments5,0005,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible

Liability coverage is an almost universal requirement for most drivers in most states. With this coverage, you are capable of being financially responsible if you cause an accident. The medical payments coverage also helps if you or someone else gets injured and requires medical treatment as the result of an accident.

On average, the majority of Pennsylvania drivers must pay up to $120 each month or more for their insurance premiums. But Philadelphia motorists can lower that down to $82/mo* or less by taking advantage of excellent discounts that we’ll talk about below.

Average Monthly Auto Insurance Premiums Legend: Philadelphia Cal Casualty Allied State Auto Mercury Allstate 10 20 30 40 50 60 70 80 90 $77 $70 $80 $90 $94


Cal Casualty, Allied, and State Auto are all trying to attract business by offering low rates to drivers in the Philadelphia area. But remember, an insurance provider is more than just a low rate. You also have to do your research and make sure they will be there for you when you need to file a claim.

Auto insurance providers evaluate several elements when establishing insurance prices, such as driving experience, zip code, credit rating, how many miles you drive annually, and whether or not there are multiple cars and drivers on your policy. Furthermore, premiums usually differ from carrier to carrier. To verify you are currently being charged the lowest-cost premium, assess cheap Pennsylvania auto insurance prices over the internet.

Major Car Insurance Factors in Philadelphia

The moment your car insurance provider sits down to come up with your insurance policy, they take lots of factors into mind. A few of these, for example your real age or your precise address, are usually not possible to improve. Some alternative factors are:

Your Zip Code

The place you store your car every night tends to have a serious effect on your car insurance rate. In general, auto insurance costs less in non-urban areas simply because fewer vehicles means a reduced chance that you’ll get into an expensive or serious collision with some other vehicle. The populace of Philadelphia is 1,553,165 plus the typical family earnings are $36,836.

Auto Insurance by Zip Code Legend: Pittsburgh Philadelphia Allentown Reading Erie Cal Casualty Allied State Auto Mercury Allstate 10 20 30 40 50 60 70 80 90 $30 $77 $33 $33 $34 $33 $70 $33 $28 $34 $33 $80 $31 $30 $36 $46 $90 $50 $46 $47 $50 $94 $51 $50 $51


Automotive Accidents

Philadelphia might have over 1.5 million residents, but that doesn’t mean providers in your area aren’t artificially raising rates to protect against the high rate of serious accidents. You can, however call your local agent and talk about what you can do to improve your rate, or if you qualify for a safe driver discount.

Fatal Accidents in Philadelphia, PA Legend: Philadelphia Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 15 30 45 60 75 90 105 120 135 150 165 180 84 130 18 89 189 40


Auto Thefts in Philadelphia

Sometimes in small cities or outlying towns, auto theft may still be a dilemma. To make it a lesser issue in your case, consider putting in a passive anti-theft system within your current motor vehicle. Your current car insurance company may reward you with lower prices! Within Philadelphia, they had 5,791 auto thefts in 2013. Rates are decreasing, but they are still a little high per capita. And only Comprehensive coverage will pay out on auto theft claims for stolen or damaged vehicles.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Cal Casualty Allied State Auto Mercury Allstate 25 50 75 100 125 150 175 200 225 250 $77 $259 $70 $168 $80 $243 $90 $223 $94 $233


Your Credit Score

In most states, you will probably end up paying more for insurance premiums if you have a low credit score. These financial penalties are especially high for Pennsylvania drivers, especially when it comes to providers like State Auto or Mercury.

Auto Policy by Credit Score Legend: Excellent Credit Poor Credit Cal Casualty Allied State Auto Mercury Allstate 15 30 45 60 75 90 105 120 135 150 165 180 195 $63 $151 $63 $140 $78 Do Not Sell $49 $196 $78 $160


Your Age

Young drivers, unfortunately, do have a challenge when it comes to finding affordable insurance rates. Anyone under the age of 25 could end up paying hundreds of dollars each month, unless they qualify for Driver’s Ed or Good Student discounts.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Cal Casualty Allied State Auto Mercury Allstate 45 90 135 180 225 270 315 360 405 450 $77 $265 $70 $315 $80 $407 $90 $466 $94 $442


Your Driving Record

Unlike other states, insurance providers in Pennsylvania are a little bit laxer when it comes to charging more for driving violations. However, that doesn’t mean you can’t get an even better deal, especially if your provider offers Accident Forgiveness discounts.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Cal Casualty Allied State Auto Mercury Allstate 25 50 75 100 125 150 175 200 225 250 $77 $83 $184 $95 $70 $73 $265 $145 $80 $84 $144 $106 $90 $92 $85 $130 $94 $90 $90 $127


Your Vehicle

The more coverage you purchase, the more expensive it will be to keep your vehicle insured. That’s why less expensive cars, older cars, and cars which don’t require large coverage limits are so much cheaper to insure. Full coverage on a luxury vehicle, on the other hand, results in a significant monthly expense.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Cal Casualty Allied State Auto Mercury Allstate 30 60 90 120 150 180 210 240 270 300 330 $77 $286 $70 $169 $80 $261 $90 $334 $94 $291


Minor Car Insurance Factors in Philadelphia

These lesser factors can have their own influence on how much you get charged monthly:

Your Marital Status

If you bring your insurance provider more business, they will likely reward you with discounts on existing policies. This includes bundling your auto policy with that of your spouse, or taking on a homeowner’s insurance policy in addition to your automotive one.

Your Gender

Should men be charged more, or women? That is the question that, it seems, each and every different insurance company has their own answer for. Some charge more for men, others for women, and yet still some don’t even bother to charge a different rate.

Your Driving Distance to Work

Unfortunately, driving around in Philadelphia can be a hassle for many drivers. Average commute times to work can last between 29-48 minutes for the 48% motorists who want to drive their own vehicle. Other ways to get around Philadelphia include carpools (18%), Busses (16%), and walking (5%).

Interested in an easy way to reduce your monthly rate, such as driving less? Well, don’t bank on it too much. The truth is that even to get a moderate 4-5% discount, you’d have to drive 10,000 fewer miles or more just to see any savings.

Your Coverage and Deductibles

Interested in lowering your monthly payment? Raising your deductible is a good way to do it. However, if the worst happens and you have to file a claim, you will be financially responsible for paying that deductible. So make sure you can cover your costs before you change your policy.

Education in Philadelphia, PA

Over one-third of Philadelphia residents have made it through high school and earned a diploma (if not some other equivalent. Furthermore, a little less than 29% have yet to complete their high school education. Though it may be hard to believe, your level of education has something to do with how much you pay for car insurance; the higher your degree, the higher your discount.

Philadelphia enjoys one of the highest concentrations of institutions for higher education within the entire country. Amongst these are six different medical schools, Haverford College, and Swarthmore College, among many others. Philly is also the site for the University of Pennsylvania.

Finding affordable auto insurance can easily end up being a headache. There’s lots of information you need to look at, and determining the way in which insurance providers evaluate your potential risk may well be complicated. But try not to let the wrong insurance provider to convince you to purchase a bad policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Pennsylvania Insurance Department

The Philadelphia Courts – Office of Financial Services

Department of Highway Safety and Motor Vehicles

Compare rates now and save tons on your next insurance bill.