Philadelphia Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Pennsylvania has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Philadelphia typically pay around $210.25 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Philadelphia, PA Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, New York Central Mutual Fire generally has the most affordable car insurance in Philadelphia coming in around $66.50 per month. Other companies to consider if you live in Philadelphia is Georgia Farm Bureau with an average cost of $91.33 per month and New Jersey Manufacturers which typically runs around $107.58 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Philadelphia.

How Much is Car Insurance in Philadelphia, PA?

Rates can vary from city to city. The residents of Allentown typically pay $132.94 per month while people who live in Bethlehem will pay $126.65 per month on average. See what people pay for car insurance in other cities in Pennsylvania.

Cheap Car Insurance in Philadelphia by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Pennsylvania. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Philadelphia

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $455.72 per month in Philadelphia. Compare that to drivers in their 30’s who typically pay around $198.54 per month drivers in their 40s at $178.99 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Philadelphia

If you are teen in Philadelphia you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $309.10 per month. This is likely the most affordable option in Philadelphia. You might also want to consider State Farm and Liberty Mutual who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Philadelphia

20 year-olds in Philadelphia might want to consider New York Central Mutual Fire who, on average, offers car insurance rates around $66.50 per month. Clearcover , New Jersey Manufacturers , Preferred Mutual and Central Mutual Insurance Co are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Philadelphia

If you are in your 30s in Philadelphia our research has found that Clearcover typically has the most affordable coverage coming in around $108.71 per month, followed by State Farm at $137.69 and Verti Insurance at $150.59.

Cheapest Insurance for 40 Year-olds in Philadelphia

On average, Clearcover offers car insurance for 40 year-olds in Philadelphia for around $116.15 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Penn National. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Philadelphia

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Philadelphia we found that National Grange Mutual generally offers the most affordable coverage at $115.50 per month.

Cheapest Insurance for 60 Year-olds in Philadelphia

If you live in Philadelphia and you’re in your 60s, our data indicates that Verti Insurance usually has the best rates at $121.08 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Philadelphia, PA

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Philadelphia, the average monthly rate for a driver who is currently insured is $176.61 while drivers who are not currently covered will pay around $241.39.

Compare Recent Car Insurance Quotes in Philadelphia

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Philadelphia a driver of a 2020 Land Rover Range Rover Evoque can expect to pay around $3,624.82 per month while someone that owns a 2019 Ford Fusion may pay around $958.33 per month. Check out the list of recent quotes in Philadelphia below.

FAQ's for Drivers in Philadelphia, PA

Philadelphia Auto Insurance Requirements

In Philadelphia, you are required to have auto liability insurance coverage.

What Is the Minimum Amount of Liability Coverage Requirement in Philadelphia?

• $15,000 for bodily injury liability coverage per person.
• $30,000 for bodily injury liability coverage per accident.
• $5,000 for property damage liability coverage per accident.

What Is the Blood Alcohol Concentration (BAC) Limit in Philadelphia?

The legal blood alcohol content (BAC) level limit is 0.08% in Pennsylvania and every other state. And If you have a BAC of 0.08% you are legally considered drunk or intoxicated behind the wheel of your vehicle. Having a high BAC could result in a DUI or a DWI conviction. There are three levels of DUI convictions in Pennsylvania. General impairment is .08% to .099%, HIgh BAC is .10% to .159% and Highest BAC is 16% or higher. The penalty for general impairment is up to 6-months probation, a $300 fine, and an alcohol highway safety school. High BAC brings a penalty of 12-month license suspension, 48 hours to 6 months in prison, $500 to $5,000 fine, and alcohol highway safety school. The Highest BAC comes with a penalty of a 12-month license suspension of 72 hours to 6 months in prison, a $1,000 to $5,000 fine, and an alcohol highway safety school. If you have a DUI or DWI on your record and are seeking lower rates, SmartFinancial can help you find the right insurance company for your driving record. Insurance companies vary in how they handle DUI and DWI convictions. You could save a lot of money by choosing the right company.

Can I Register My Car Without Insurance in Philadelphia?

Even if you don't use your car much in Philadelphia, you must keep the registration on the car valid and you must keep your liability insurance coverage in effect. This insurance must be issued by an insurance company authorized by the Pennsylvania Insurance Department and it must be certified by the Pennsylvania State DMV. In addition, this insurance must be issued in the name of the vehicle registrant and remain in that registrant's name at all times. So stay on top of your car insurance and registration while driving in Philadelphia. You don't want any trouble with your registration or liability insurance should something happen out on the road.

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