CarInsurance.com Insights
- CarInsurance.com’s data study found that Westfield Insurance and Travelers offer the cheapest car insurance rates in Philadelphia at annual costs of $525 and $589, respectively, for state minimum coverage.
- You can save an average of $5,082 per year on a full coverage policy in Philadelphia by comparing price quotes from different carriers.
- Drivers with a speeding ticket on their records can find the cheapest rates with Travelers at an average annual cost of $2,877 for full coverage.
- Travelers is one of the most affordable insurers for drivers with a DUI, with average annual premiums of $3,364 for full coverage.
Travelers, Erie Insurance and Nationwide are the top insurers with the most affordable car insurance rates for drivers in Philadelphia, Pennsylvania for a full coverage policy.
In Philadelphia, the average annual cost of a state minimum car insurance policy for an adult with a clean driving record and a good insurance score is $850. If you upgrade to full coverage, the cost increases to $4,515.
Insurance companies determine premiums for each driver differently, taking into account factors like age, driving history and car make and model.
Where you live plays a significant role in determining car insurance rates. Premiums vary widely from one city to another and even between ZIP codes within the same city. Areas with more traffic often see higher accident rates and more claims, so insurers take into account factors such as population density, road conditions and weather.
That’s why our experts have put together this detailed guide to help you make informed choices about car insurance. It also includes a list of the most affordable car insurance providers in Philadelphia.
Who offers the cheapest car insurance rates in Philadelphia, Pennsylvania?
Westfield Insurance offers cheap car insurance rates in Philadelphia at an average annual cost of $525 or $44 per month for state minimum coverage. On the other hand, Travelers has the most affordable full coverage car insurance rates at $197 per month, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Philadelphia drivers.
| Insurance company | Annual premium |
|---|---|
| Travelers | $2,363 |
| Erie Insurance | $3,609 |
| Nationwide | $3,628 |
| Westfield Insurance | $4,252 |
| GEICO | $4,515 |
| State Farm | $5,063 |
| Allstate | $5,175 |
| Progressive | $6,154 |
| Donegal Insurance | $7,445 |
| USAA | $3,040 |
Average car insurance rates in Philadelphia
Based on our rate analysis, the average cost of car insurance for state minimum coverage in Philadelphia is $850. If you choose liability-only coverage with limits of 50/100/50, you’ll pay $42 more per month or $501 more per year.
For full coverage (100/300/100), you would pay an additional $305 per month or $3,665 more annually. Experts recommend purchasing a full coverage policy as it provides more protection than state minimum and liability-only policies.
| Coverage type | Annual premium |
|---|---|
| State minimum | $850 |
| Liability only (50/100/50) | $1,351 |
| Full coverage (100/300/100, $500 ded.) | $4,515 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $4,959 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $3,760 |
| Non-owners | $517 |
Cheapest rates for drivers in Philadelphia, Pennsylvania, by age
Age is a key factor in determining car insurance rates in most cities, including Philadelphia. It’s one of several factors insurers consider when determining premiums.
Teens (ages 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.
Drivers in their 40s, 50s and 60s pay less for their car insurance premiums than teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute (Triple-I), an industry research and outreach organization.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | Travelers | $7,416 |
| Young adults (20-24) | Travelers | $3,535 |
| Adults (25-60) | Travelers | $2,366 |
| Seniors (65-75) | Travelers | $2,336 |
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Cheapest car insurance rates for Philadelphia drivers after a speeding ticket
Travelers offers the most affordable car insurance rates for drivers in Philadelphia following a speeding ticket, at an average annual cost of $2,877 or $240 per month for full coverage.
Erie Insurance and State Farm also offer cheap insurance rates after a speeding ticket.
Find below the car insurance companies with affordable insurance rates for Philadelphia drivers with a speeding ticket.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| Travelers | $2,363 | $2,877 | 22% |
| Erie Insurance | $3,609 | $4,002 | 11% |
| State Farm | $5,063 | $5,429 | 7% |
| Nationwide | $3,628 | $6,238 | 72% |
| GEICO | $4,515 | $6,854 | 52% |
| USAA | $3,040 | $3,409 | 12% |
Cheap car insurance for drivers with a DUI in Philadelphia
If you have a DUI on your record in Philadelphia, finding affordable car insurance can be challenging. However, Travelers, State Farm and Erie Insurance offer affordable insurance rates for drivers in Philadelphia after a DUI conviction.
The table below lists car insurance companies in Philadelphia that offer affordable coverage for drivers with DUIs.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Travelers | $2,363 | $3,364 | 42% |
| State Farm | $5,063 | $5,429 | 7% |
| Erie Insurance | $3,609 | $5,682 | 57% |
| Progressive | $6,154 | $7,417 | 21% |
| GEICO | $4,515 | $7,447 | 65% |
| Nationwide | $3,628 | $8,540 | 135% |
| USAA | $3,040 | $4,093 | 35% |
Affordable car insurers for Philadelphia drivers after an at-fault accident
An at-fault accident in Philadelphia can lead to higher car insurance rates, but don’t worry – some insurers offer affordable car insurance rates. In Philadelphia, Travelers offers the cheapest car insurance rates for drivers with an accident on their records. Other insurers that offer affordable premiums include Erie Insurance and Nationwide.
The table below shows affordable auto insurance options for drivers in Philadelphia with a history of at-fault accidents.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| Travelers | $2,363 | $3,092 | 31% |
| Erie Insurance | $3,609 | $4,563 | 26% |
| Nationwide | $3,628 | $5,696 | 57% |
| State Farm | $5,063 | $5,738 | 13% |
| GEICO | $4,515 | $7,167 | 59% |
| Allstate | $5,175 | $7,195 | 39% |
| Progressive | $6,154 | $9,385 | 53% |
| USAA | $3,040 | $4,449 | 46% |
Compare car insurance quotes in Philadelphia: How to save on an insurance policy?
By comparing car insurance quotes, you could save an average of $5,082 per year or $424 per month on a full coverage policy in Philadelphia, Pennsylvania, according to CarInsurance.com’s rate analysis. While your savings will vary based on factors like location, age and driving history, this shows how much you can benefit from shopping around and comparing quotes.
Final thoughts: Car insurance cost in Philadelphia, Pennsylvania
Shopping for a new auto insurance policy when your current one is up for renewal is the best way to secure the most affordable coverage in Philadelphia, Pennsylvania. Maximize your savings by taking advantage of discounts, driving a vehicle with adequate safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed January 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed January 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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