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, an adult with a clean driving record and good insurance score typically pays $850 per year for a state minimum car insurance policy and expect to pay $4,515 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies 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
According to our rate analysis, the average cost of car insurance for state minimum coverage in Philadelphia is $850. For liability-only coverage with limits of 50/100/50, you would pay $42 more a month or $501 more a year.
You can get full coverage (100/300/100) by paying $305 more a month or an additional $3,665 a year. However, a full coverage policy is worth the extra cost because it provides added protection for your vehicle and against potential liability claims.
| 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 an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| 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:
A DUI conviction on your driving record makes it challenging to find affordable insurance rates. However, Travelers, State Farm and Erie Insurance offer lower rates for high-risk drivers in Philadelphia.
The table below shows car insurance providers in Philadelphia that offer affordable coverage after a DUI conviction.
| 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% |
How you can save on your car insurance policy
You can save an average of $5,082 annually or $424 monthly on a full coverage policy in Philadelphia, Pennsylvania, by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your location, age and driving record, this shows a significant benefit to shopping for your policy.
Final thoughts: Car insurance cost in Philadelphia, Pennsylvania
It’s a good idea to shop around and compare insurance quotes when your policy is up for renewal to ensure you get the best car insurance deal. You can maximize your savings by using available discounts, driving a car with excellent safety features and keeping a clean driving record.
Resources and methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed March 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed March 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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