Best Auto Insurance Rates in Philadelphia, Pennsylvania

On average, your neighbors pay $126 a month.

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Compare Auto Insurance in Philadelphia

Thursday, May 31 2018 By Larry Canonica

Philadelphia, Pennsylvania does things a little differently than the rest of the US. In The City of Brotherly Love, people have long struggled against the status quo, whether it was the city’s role in the Revolutionary War, or Rocky going the distance. Now Philadelphia residents can shop for affordable car insurance rates differently, too.

Average Philadelphia Car Insurance Rates

How much is car insurance in Philadelphia, PA? If you drive here, we don’t have to tell you that car insurance here is expensive. In fact, this city has one of the highest accident rates and vehicle theft rates in the nation. That's why insurance rates in Philadelphia are higher than what most Americans pay.

The average cost of car insurance coverage in Philadelphia is $872.13 a year for men and $859.87 for women. Philadelphia is one of the few cities in the nation where men and women have nearly identical car insurance premiums.

The average cost of auto insurance in Pennsylvania is $878.18 per year. The national annual average cost is $889.01. How much you pay depends on multiple factors including your driving record and the number of claims filed in your zip code.

Philadelphia, PA Average Annual Car Insurance Rates
Coverage Men Women
Liability $872.13 $859.87
Collision $542.29 $542.96
Comprehensive $101.81 $101.81
Total Cost Per Year $1,516.23 $1,504.65
Price Per Month $126.23 $125.39
Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers renting in Philadelphia, PA owning a 2010 Honda Accord. Our rate profiles include currently insured males and females, with a clean driving record and drive less than 10,000 annual miles. Coverage includes Pennsylvania state liability minimum of $25,000/$30,000/$5,000. And 15/30/5 underinsured motorist coverage with $50,000 personal injury protection. Plus a $500 comprehensive and collision deductible.

The graph below shows the change in average Pennsylvania insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Pennsylvania car insurance rates increased from $812 in 2011 to $878 in 2015, a jump of $65, or 8.05 percent.

Pennsylvania average car insurance rates

QuoteWizard helps consumers compare quotes from both top national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Philadelphia, Pennsylvania and save up to 40% on your premium.

Last year, 33,078 residents used QuoteWizard to compare car insurance quotes in Philadelphia, PA from multiple companies to find the cheapest rates.

Best Car Insurance Companies Philadelphia

Here's our list of the most common car insurance companies reported by QuoteWizard users living in Philadelphia last year. Out of the 33,078 Philadelphia drivers that requested quotes, 6,317 did not have insurance.

  1. Allstate
  2. Progressive
  3. GEICO
  4. State Farm
  5. Nationwide
  6. Liberty Mutual
  7. Farmers
  8. AIG
  9. Esurance
  10. AAA
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Other popular Philadelphia, Pennsylvania car insurance companies: Erie, Infinity, USAA, American Family, MetLife, Safeco, and Travelers.

Top 10 Vehicles Philadelphia

These are the most common car makes and models owned by Philadelphia drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Nissan Altima 2.5 S
  3. Chevrolet Impala LS
  4. Ford F150
  5. Chevrolet Impala
  6. Nissan Maxima GLE/GXE/SE
  7. Ford Taurus SE
  8. Ford Explorer
  9. Toyota Camry LE/XLE/SE
  10. Buick LaSabre Custom
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Legal Minimum Insurance Coverage

Philadelphia, Pennsylvania has a minimum liability coverage requirement known as the 15/30/5 rule. This rule says that each policy must have at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The maximum amount your insurer pays for a person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total your insurance company pays for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The most your insurance carrier pays for property damage caused by a car accident.
  • Medical Payments: $5,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident regardless of who is at fault.

Recommended Coverage Levels

It's not a great idea to buy only legal minimum coverage. While it costs less, minimum coverage becomes more expensive if you file a claim. Why? Minimum coverage does not include comprehensive or collision coverage. Plus, it's easy to exceed minimum coverage levels after an accident.

Minimum coverage only pays for damages to other people, their car, and their property. Minimum coverage does not cover you, your injuries, or your property. If you have minimum coverage and you cause an accident, you're on the hook for your expenses.

Collision coverage pays for damages to your car after an accident. Comprehensive coverage pays for damages that don't involve another car. That includes natural disasters, falling tree branches, theft, and vandalism.

With that in mind, we recommend that Philadelphia drivers buy the following coverage:

  • Individual Body Injury Liability: $100,000
  • Total Bodily Injury Liability: $300,000
  • Property Damage Liability: $100,000

If you can afford it, buy comprehensive and collision coverage. You should choose a reasonable deductible. Also consider uninsured/underinsured coverage. This covers damages caused by drivers who have little or no insurance. Finally, medical payment coverage and personal injury protection covers medical costs after an accident.

Philadelphia Drivers

Philadelphia, PA was ranked 191st out of 200 cities in Allstate’s annual “Best and Worst Cities for Drivers” report. Most US drivers go 10 years between accidents. However, drivers in Philadelphia have an accident every 6.1 years. A rate 64.4% higher than the national average.

Last year, 33,078 Philadelphia drivers used QuoteWizard to request quotes. 1,650 of them reported an incident on their driving record.

Philadelphia drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Factors that affect insurance rates are the weather, driving, and road conditions.

Weather

The climate in Philadelphia is humid subtropical. Summers are hot and humid. Winters are cold with a few snowy days. Spring and fall can be very nice with mild temperatures and a few rainy days. On average, Philadelphia has 118 days with measurable precipitation and 12 snowy days each year. However, the sun peeks through the clouds often. There’s a chance of at least some sunshine on 56% of the days each year.

Road Conditions

Philadelphia roads are in bad shape. TRIP reports that 38% of the major roads here are in poor condition. 35% are mediocre. These poorly maintained, pothole-filled streets are costing drivers $690 a year in extra vehicle operating costs. Rough roads can damage cars and are a factor in car accidents.

Traffic Congestion

TomTom has ranked Philadelphia 17th for worst traffic congestion in the United States. An average commuter spends an extra 26 minutes per hour stuck in traffic during rush hour and an extra 101 hours per year for commutes of 30 minutes or more.

Moving Violations

Moving violations like drunk driving, failure to stop, accidents, and speeding tickets will give you a bad driving record and raise your insurance rates through the roof.

Traffic Tickets

The Philadelphia Courts website allows you to plead guilty and pay your citation, plead not guilty and request a hearing, make installment payments, and find valuable traffic court information.

DUI Arrests

Philadelphia reported 13,305 arrests in 2015 for driving under the influence (DUI). This number includes all driver arrests, both alcohol related and those impaired by other substances.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from top companies that specialize in Philadelphia DUI insurance.

Texting Violations

Pennsylvania does not prohibit the use of cell phones by drivers on its roadways. It is, however, illegal to send and receive emails or text messages while operating a motor vehicle. The City of Philadelphia reports that law enforcement wrote 216 distracted driving citations in 2016.

Car Crash Statistics

Philadelphia Police reported 12,190 motor vehicle crashes in 2016. 8,809 of these crashes resulted in injuries. 3,288 were property damage only accidents.

Car Accident Fatalities

Philadelphia reported 93 fatal car accidents in 2016, resulting in 100 fatalities and 301 major injuries. Considering Philadelphia's

Vehicle Theft Rates

Philadelphia reported 5,059 vehicle thefts in 2016. This is a rate of 3.23 thefts per 1,000 residents. This is well above the national rate of 2.20 thefts per 1,000 people.

Save With Car Insurance Discounts

Are you looking for cheap car insurance rates? These are some of the auto insurance discounts available to drivers in in Philadelphia, PA. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.

  1. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  2. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  3. Remove full comprehensive coverage from your policy
  4. Maintain at least a B grade point average ion school to qualify for the good student discount
  5. Safe driver. If you have a perfect driving record, you may qualify for the accident free discount.
  6. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  7. Get a new car to qualify for the new car discount. If the car has advanced safety features and anti-theft devices and an alarm system you could qualify for additional insurance discounts
  8. Bundle your auto policy with your homeowners or renters insurance. Bundling your cars and insurance policies together could save you as much as 15%
  9. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  10. Shop around and compare cheap auto insurance quotes in Philadelphia and discover every discount you've been missing out on

Sources:

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