Philadelphia Car Insurance

How much does car insurance cost in Philadelphia, PA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Philadelphia?

Philadelphia is a modern city teeming with American history. Here, you can see the crack in the Liberty Bell with your own eyes and visit Independence Hall where the Declaration of Independence and the U.S. Constitution were signed. Philadelphia is Pennsylvania's largest city and there is much to see and do here. There is the Philadelphia Museum of Art, and a number of quirky, offbeat museums as well. There is a thriving restaurant scene where you can get Philadelphia's best-known dish, the cheesesteak. And if you like live music you have your pick of performers in Philadelphia's eclectic music scene, which includes outdoor summer concerts.

Having a car in the city can be expensive. SmartFinancial can help you search for affordable car insurance companies near you. With access to more than 200 insurance companies, you are bound to find a good deal. Here is more information on how to get the best insurance coverage for your car in Philadelphia.

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 $198.16 per month compared to the national average of $139.91 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.

AreaAverage Monthly Rate
National $139.91
Pennsylvania $130.06
Philadelphia, Pennsylvania $198.16

Philadelphia, PA Best Car Insurance Companies

car insurance in Philadelphia

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, Mercury Insurance generally has the most affordable car insurance in Philadelphia coming in around $66.17 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 National General Value which typically runs around $110.67 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Philadelphia.

RankCompanyAverage Monthly RateComparison State Average
1 Mercury Insurance $66.17-49.12%
2 Georgia Farm Bureau $91.33-29.78%
3 National General Value $110.67-14.91%
4 Clearcover $115.46-11.22%
5 Dairyland Auto $144.0010.72%
6 State Farm $163.5925.78%
7 Verti Insurance $167.7929.01%
8 ACCC Insurance Company $193.8349.04%
9 Mercury $195.0049.94%
10 Erie $206.7658.98%

How Much is Car Insurance in Philadelphia, PA?

how much is auto insurance in Philadelphia

Rates can vary from city to city. The residents of Allentown typically pay $123.53 per month while people who live in Bethlehem will pay $117.22 per month on average. See what people pay for car insurance in other cities in Pennsylvania.

Pennsylvania CitiesMonthly Average Rate
Allentown $123.53
Bethlehem $117.22
Erie $112.52
Harrisburg $102.19
Lancaster $99.04
New Castle$99.86
Philadelphia $198.14
Pittsburgh $116.01
Reading $114.61
Scranton $107.28
Valley Forge$73.61
Wilkes Barre $103.11
York $100.53

Cheap Car Insurance in Philadelphia by Zip Codes

find cheap auto insurance in Philadelphia

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.

Philadelphia, PA ZIP CodeAverage Monthly Rate

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 $441.10 per month in Philadelphia. Compare that to drivers in their 30’s who typically pay around $186.37 per month drivers in their 40s at $165.50 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.

Age GroupAverage Monthly Rate

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, Safeco typically charges around $98.35 per month. This is likely the most affordable option in Philadelphia. You might also want to consider USAA and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
State Farm$380.60
Jupiter Auto Insurance$415.12

Cheapest Insurance for 20 Year-olds in Philadelphia

20 year-olds in Philadelphia might want to consider Clearcover who, on average, offers car insurance rates around $111.58 per month. Verti Insurance , State Farm , USAA and Penn National are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Verti Insurance$187.79
State Farm$225.01
Penn National$272.14

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 $110.61 per month, followed by State Farm at $150.17 and Verti Insurance at $168.73.

CompanyAverage Monthly Rate
State Farm$150.17
Verti Insurance$168.73
Penn National$178.37

Cheapest Insurance for 40 Year-olds in Philadelphia

On average, Clearcover offers car insurance for 40 year-olds in Philadelphia for around $102.73 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.

CompanyAverage Monthly Rate
State Farm$144.41
Penn National$157.78

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 Clearcover generally offers the most affordable coverage at $115.68 per month.

CompanyAverage Monthly Rate
Penn National$133.25
State Farm$136.26
Verti Insurance$158.85

Cheapest Insurance for 60 Year-olds in Philadelphia

If you live in Philadelphia and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $118.32 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Verti Insurance$121.08
State Farm$128.45
Penn National$138.70

Driver's Coverage Auto Insurance Rates in Philadelphia, PA

driver's coverage

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 $168.84 while drivers who are not currently covered will pay around $224.43.

CoverageAverage Monthly Rate
Not Currently Insured $224.43
Currently Insured $168.84

Compare Recent Car Insurance Quotes in Philadelphia

auto insurance quotes in Philadelphia city

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 2008 Buick LACROSSE can expect to pay around $140.17 per month while someone that owns a 2014 Toyota Camry may pay around $95.17 per month. Check out the list of recent quotes in Philadelphia below.

VehicleAverage Monthly Rate
2008 Buick LACROSSE$140.17
2014 Toyota Camry$95.17
2013 Kia Forte$83.33
2020 Hyundai Elantra$250.26
2004 Toyota Corolla$124.50
2003 HONDA CIVIC$94.17
2011 Nissan Armada$196.70
2005 Dodge Ram 1500$305.11
2020 Nissan Altima$323.90

FAQ's for Drivers in Philadelphia, PA

driver’s frequently asked question in Philadelphia

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.

Check Out Other Rates in Philadelphia, PA Nearby Cities:

Camden, NJ


Commute Time in Philadelphia, PA

32.9 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Philadelphia, PA


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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