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Philadelphia  Car Insurance

Philadelphia Car Insurance

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Philadelphia car insurance rates

Philadelphians pay some of the highest Pennsylvania car insurance rates in the United States, and tops for Pennsylvania. Right now a policy in the City of Brotherly Love costs triple what the same coverage does in other parts of the state.

Philadelphia ZIP code 19132 is the most expensive ZIP code for car insurance in the state, $2,760 a year, according to our survey of rates from six major carriers.  But you can still save money by shopping around. The difference between the highest rate ($3,931) for that ZIP and the lowest ($2,077) is $1,854.

If you don't shop around to compare prices, you can't save. To see how other Pennsylvania car insurance rates compare, use our average rates tool below. Enter a ZIP code and it will show the average rate, as well as the highest and lowest, for your location.

Philadelphia Car Insurance Rates by ZIP Code

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Here's how Philadelphia’s highest average rate ($2,760) compares to others:

  • $1,833 more than the least expensive average rate ($927) in Pennsylvania, ZIP code 16801
  • $1,550 more than the state average ($1,210)
  • $1,529 more than the national average rate ($1,231)

Philadelphia car insurance rates most expensive in the state

You’ll see in the chart below the top 10 most expensive ZIP codes in the state are all in Philadelphia.

ZIP code

Average rate

Highest

Lowest

19132

$2,760

$3,931

$2,077

19121

$2,728

$3,749

$2,077

19140

$2,726

$3,870

$2,077

19126

$2,681

$3,897

$1,872

19141

$2,656

$3,656

$1,872

19133

$2,652

$3,874

$1,834

19120

$2,649

$3,774

$1,872

19138

$2,638

$3,622

$1,872

19139

$2,623

$3,886

$2,003

19124

$2,619

$3,604

$2,077

19143

$2,556

$3,580

$1,872

*Methodology for rates by ZIP code:

CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2014 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Philadelphia car insurance requirements

Pennsylvania state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $15,000/$30,000
Minimum property damage liability $5,000
First party benefits (medical) $5,000

Cheapest car insurance in Philadelphia

The lowest liability car insurance limits your insurer offers is the cheapest policy you can buy. This will be the state minimum required to drive legally. In Pennsylvania, (written as 15/30/5) that means your liability car insurance would pay up to:

  • $15,000 for injuries you cause to others
  • $30,000 per accident
  • $5,000 for damage you cause to others’ cars and property

Pennsylvania also requires you to buy a minimum of $5,000 of first party benefits medical coverage. It pays medical expenses for you and anyone on your policy up to its limits, even if the accident was your fault.

To give you an idea of what to expect, here is how much the cheapest policy would cost, on average, per year, for Philly ZIP code 19102 for a driver at following ages:

 

Age

Average rate

18

$1,690

19

$1,287

20

$1,134

21

$907

22

$847

23

$799

24

$729

25

$665

35

$629

45

$618

55

$596

65

$620

75

$721

85

$903

*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for CarInsurance.com by Quadrant Information Services.

The state average rate for a year of minimum coverage is $560, according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just $66 more.

Best car insurance in Philadelphia

Even a minor accident can put your savings and home in jeopardy if you have just the state required minimum of insurance. To protect your assets, you should buy liability insurance in the following amounts:

 

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

 

Comprehensive insurance and collision coverage are advised unless you have a very old car that’s of little value. In Pennsylvania, comprehensive costs $132 and collision costs $301, on average per year, for drivers, according to the Insurance Information Institute. Unlike liability insurance, these optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 – you choose which one you want.The higher the deductible is, the lower your rate will be.

Pennsylvania ZIP 19102 car insurance rates for coverage recommendations

 

100/300/100

ZIP code 19102

State average

With $1,000 deductible

$2,334

$1,427

With $500 deductible

$2,625

$1,614

With $250 deductible

$2,864

$1,772

 *Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for CarInsurance.com by Quadrant Information Services.

Driving in Philadelphia

Traffic in Philadelphia: The city and nearby areas came in 11th (tied with Miami) for the worst traffic in the country in a recent report by USA Today, which noted that commuters spend about 39 hours a year stuck in traffic.

Car crashes: Major accidents have resulted in an average of 90 deaths a year in recent years (2012-2014).

Commuting: The average commute in Philadelphia lasts 31.8 minutes.

Public transportation: The U.S. Census Bureau says that the majority of riders in Philadelphia who commute to work by public transportation are white (about 31 percent), Hispanic (about 10 percent) and black (about 54 percent). The bureau notes that commuting is the main reason people turn to mass transit.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In Pennsylvania, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed to use the lanes. Use may be restricted during specified hours.

Smog rules: In Philadelphia you must have a vehicle (model year 1975 or newer) tested for emissions before registering and annually after that. After moving to Philadelphia, the vehicle must be tested as part of the registration process.

Bad intersection: Where Fifth Street and Olney Avenue meet is considered one of the worst intersections in Philadelphia, with 19 serious crashes from 2009 to 2013.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.