Car Insurance in Philadelphia
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Car Insurance in Philadelphia, PA
Without the right insurance, driving down I-95 to get a Phillies game can cost you more than a ticket to Citizens Bank Park. Drivers in Pennsylvania's largest city are no strangers to the traffic that comes with a city of this size.
In terms of traffic laws, Philly follows Pennsylvania law with very few exceptions or additions. It is worth noting that a hands-free driving law is expected to take effect in 2024, so be sure to check before you text. Philly drivers fall under the same minimum coverage standards as other drivers in the Commonwealth, so be sure to maintain the right minimum insurance, or you could pay more in the long run.
Whether you mozy in from Manayunk or proudly call Philly home, you should check Pennsylvania car insurance rates to get the best price based on your location — even down to your zip code. Comparing quotes can help you be sure you're not being taken for a ride.
How much is car insurance in Philadelphia, PA?
Auto insurance costs in Philadelphia can vary significantly depending on the coverage options you select. To help guide you, here are the average prices for the three most commonly chosen coverage types in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Philadelphia?
When it comes to assessing and categorizing insurance costs for every car make, model, and year in the city, it can be a rather daunting task. On the other hand, if you are looking for newer vehicles that generally offer lower insurance premiums, here are the top 10 most affordable car makes and models to consider in Philadelphia:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $273 |
| 2 | Dodge Grand Caravan | $284 |
| 3 | Honda Cr-V | $285 |
| 4 | Toyota Corolla | $290 |
| 5 | Toyota Rav4 | $293 |
| 6 | Ford F-150 | $296 |
| 7 | Honda Odyssey | $300 |
| 8 | Toyota Tacoma | $300 |
| 9 | Kia Sedona | $302 |
| 10 | Ford Fusion | $304 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Insurance premiums can shoot up drastically due to various kinds of incidents. Consider the breakdown below of insurance rates in Philadelphia and how they might increase due to some of the most common violations or claims.
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $293 | +0% |
| Not at-fault Accident | $311 | +6% |
| Driving with expired registration | $338 | +15% |
| Speeding Ticket | $339 | +16% |
| At-fault Accident | $431 | +47% |
| DUI | $470 | +60% |
| Hit and Run | $471 | +61% |
| Driving with a suspended license | $474 | +62% |
What car insurance discounts can I get in Philadelphia?
A variety of discounts are available to help lower your insurance costs in Philadelphia. Below is a list of these discount options, ranked from most to least impactful in reducing your premiums:| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $256 | +$37 |
| Low Mileage | $272 | +$21 |
| Paid in Full | $272 | +$21 |
| Multi-Policy Renters | $283 | +$10 |
| Paperless | $289 | +$4 |
| Electronic Funds Transfer | $291 | +$2 |
| Renewal discount | $291 | +$2 |
| None | $293 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.