Best Auto Insurance Rates in Philadelphia, Pennsylvania

Compare Auto Insurance in Philadelphia

Friday, January 11 2019 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
These average rates are based on our sample quote data. 1

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.

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 in Philadelphia, PA

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

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

Top 10 Vehicles

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

Minimum Car Insurance Requirements in Philadelphia, PA

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.

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

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.

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 43 percent of Philadelphia's major roads here are in poor condition. 28 percent are mediocre. These poorly maintained, pothole-filled streets are costing drivers $732 a year in extra vehicle operating costs. Rough roads can damage cars and are a factor in car accidents.

Traffic Congestion

TomTom ranks Philadelphia 125th for worst traffic congestion in the world. 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.

Car Accident Statistics

Philadelphia Police reported 28,768 people were involved in crashes in 2017. These crashes resulted in 11,266 injuries, 274 of them serious.

Car Accident Fatalities

Philadelphia reported 94 car accident fatalities in 2017. Considering Philadelphia's estimated population of 1,580,863, this is one of the nation's safer cities in terms of traffic fatalities.

Vehicle Theft Rates

Philadelphia reported 5,486 vehicle thefts in 2017. This is a rate of 3.47 thefts per 1,000 residents. This is well above the national rate of 2.37 thefts per 1,000 people.

Car Insurance Discounts

Are you looking for a more affordable car insurance premium? Discounts are a great way to lower your rates. These are some of the auto insurance discounts available to drivers in in Philadelphia, PA.

1. Philadelphia is a big Navy town and nearly 5 percent of all Pennsylvanians are veterans. Many insurers offer discounts for active and retired members of the Military.
2. If you own both a car and a home, why not save money on your insurance for both? Many companies offer bundling This is a great way to get a discount on all your coverage.
3. Bought a new car recently? Some insurers offer a new car discount.
4. Philly is home to close to 40 colleges, universities, and graduate institutions. Money is tight when you’re in college, and a student discount on your insurance would probably help.
5. Auto theft is on the rise in Philadelphia. In 2017 the city saw 5688 auto thefts. Adding an anti-theft measures like Allstar or LoJack in your vehicle can get you a discount and keep you safe.

Rate Methodology

¹ We compared rates from three different insurance companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean driving record and drive less than 10,000 annual miles. Coverage includes state liability minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies also include $10,000 personal injury protection and a $500 comprehensive and collision deductible.

Sources:

• Philadelphia Municipal Court - Traffic Division
• Philadelphia Pennsylvania Crime Rates
• United States Census Bureau - Philadelphia, PA
• Most Expensive Commutes in Philadelphia, PA - TRIP
• TRIP Urban Roads Report Appendices
• Pennsylvania: Texting laws, legislation

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