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.
According to a detailed data analysis, Travelers, Erie Insurance and Nationwide provide cheap car insurance rates for drivers in Philadelphia, Pennsylvania for a full coverage policy.
Car insurance in Philadelphia for an adult with a clean driving record and good insurance score costs $850 a year for a state minimum policy and $4,515 for a full coverage policy.
Insurance companies consider drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.
Where you live is also a significant factor. Car insurance rates can vary significantly from city to city and even from one ZIP code to another. More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors to calculate premiums.
That’s why our experts have created this comprehensive guide to help you make smart decisions about car insurance. It also lists the cheapest car insurance carriers and rates in Philadelphia.
Who offers the cheapest car insurance rates in Philadelphia, Pennsylvania?
Our data shows that Westfield Insurance has the cheapest state minimum car insurance in Philadelphia at $525 per year or $44 per month. Whereas, Travelers offers the cheapest rates for a full coverage policy, with an average annual cost of $197 for coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Below, we mentioned the insurers that offer affordable car insurance for 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, state minimum coverage in Philadelphia costs an average of $850 per year. Opting for liability-only coverage with 50/100/50 limits would increase your monthly payment by $42 and your yearly premium by $501.
For full coverage (100/300/100with $500 collision and comprehensive deductibles), you can expect to pay $305 more per month or $3,665 per year. However, it’s worth the extra cost as it provides adequate protection to drivers in the event of an accident.
| 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
Our data shows that Travelers has the most affordable car insurance rates for drivers in Philadelphia after a speeding ticket, with an average annual cost of $2,877 or $240 monthly. Erie Insurance and State Farm also offer affordable premiums to drivers with speeding tickets on their records.
Below is a list of car insurance companies that offer affordable rates for Philadelphia drivers with speeding tickets.
| 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
Car insurance rates increase after an at-fault accident in Philadelphia for most drivers. However, some insurers offer affordable premiums to high-risk drivers.
In Philadelphia, Travelers offers the cheapest car insurance for drivers with an at-fault accident on their records. Other insurers that offer affordable premiums are Erie Insurance and Nationwide.
See the table below to see which insurers offer cheap auto insurance premiums for Philadelphia drivers with an accident on their driving records.
| 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?
CarInsurance.com’s rate analysis shows that you could save an average of $5,082 per year or $424 per month on a full coverage policy in Philadelphia, Pennsylvania, by comparing insurance quotes. Though savings will depend on factors like your location, age and driving record, comparing policies can lead to significant savings.
Expert’s take on getting car insurance in Philadelphia
Shopping for a new auto insurance policy at renewal time is the best way to ensure you have the cheapest car insurance in Philadelphia, Pennsylvania. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed February 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed February 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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