Philadelphia Car Insurance - Pennsylvania
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How much is car insurance in Philadelphia?
Around $1,000 for six months. It may be as cheap as $550 if you have a good driving record and your vehicle is not very expensive. For example my 1998 Ford Escort with RWD isn't worth more than about $2,500 and I pay around $100 per month
Why is car insurance so expensive in Philadelphia?
We all know car insurance is expensive in Philadelphia, but why? The city has the highest rates of any major metropolitan area.
Do you have to have car insurance in Philadelphia?
That's a great question. Why? Because not having car insurance in Philadelphia can land you in some hot water with the law! Yes, it is illegal to drive without car insurance in Philly. But not having car insurance doesn't just mean big issues come up if you're involved in an accident. It also means huge potential financial trouble if you get a ticket or even do something as minor as driving around on a suspended license! Depending on what happened, that could lead to hundreds u2013 even thousands u2013 of dollars of fines and penalties!
How much is car insurance in PA monthly?
This is because every driver's profile and driving record is different. For example, while one person may have poor driving skills but still manage to get cheap car insurance rates, someone else with perfect driving skills might not be able to get affordable car insurance coverage because of his/her record.
Philadelphia Cheapest Companies
| Cheapest Companies | Quotes |
|---|---|
GEICO | $190/mo |
Progressive | $200/mo |
Travelers | $270/mo |
The General | $324/mo |
Around Cities
Pennsylvania Cities | |
|---|---|
| Pittsburgh | $145/mo |
| Allentown | $154/mo |
| Erie | $138/mo |
| Reading | $157/mo |
| Philadelphia | $247/mo |
| Pennsylvania | $167/mo |
Philadelphia Best Companies
| Best Companies | Score ? | Quotes ? |
|---|---|---|
American Family | 89 | $267/mo |
Safeco | 86 | $223/mo |
Liberty Mutual | 82 | $225/mo |
Travelers | 80 | $173/mo |
Philadelphia Drivers by Age
| Driver Age | Avg. Monthly Cost |
|---|---|
| teens | $478 |
| 20s | $325 |
| 30s | $250 |
| 40s | $268 |
| 50s | $246 |
| 60s | $208 |
| 70s | $240 |
| 80s | $310 |
Driving History
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $282 |
| Speeding Ticket | $305 |
| At-Fault Accident | $306 |
| Failure to Stop for Red Light / Stop Sign | $308 |
Philadelphia Scores
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $251 |
| Good | $292 |
| Average | $289 |
| Poor | $293 |
Philadelphia Ratings
| Cities with Most DUIs Rank | #33 |
| Cities with Most Moving Violations Rank | #33 |
| Most Popular Car in state | Nissan Altima |
| Cities with Most Speeding Tickets Rank | #28 |
| Cities with Most Suspended Licenses Rank | #36 |
Averages
| Philadelphia Average (annual) | Pennsylvania Average | United States Average |
| $2663 | $1474 | $1548 |
Group by Genders
| Gender/Marital Status | Average Yearly Rate |
| Female | $2645 |
| Male | $2663 |
| Single | $2450 |
| Married | $2437 |
| Divorced | $2651 |
| Widowed | $2517 |
Violations
| Incident | Average Annual Rate |
| DWI/DUI | $3675 |
| Reckless Driving | $3848 |
| $1014 | $2899 |
| $2015 | $4159 |
| Speeding Ticket (16-20 mph over speed limit) | $2969 |
Philadelphia Info
| Major Highways | I-95,U.S. 1,U.S. 13 |
| Public Transit | SEPTA Rail,SEPTA Bus,SEPTA Trolley |
| Toll Roads | Benjamin Franklin Bridge,Besty Ross Bridge,Walt Whitman Bridge |
Philadelphia Zipcodes
- 19019
- 19092
- 19093
- 19099
- 19101
- 19102
- 19103
- 19104
- 19105
- 19106
- 19107
- 19108
- 19109
- 19110
- 19111
- 19112
- 19113
- 19114
- 19115
- 19116
- 19118
- 19119
- 19120
- 19121
- 19122
- 19123
- 19124
- 19125
- 19126
- 19127
- 19128
- 19129
- 19130
- 19131
- 19132
- 19133
- 19134
- 19135
- 19136
- 19137
- 19138
- 19139
- 19140
- 19141
- 19142
- 19143
- 19144
- 19145
- 19146
- 19147
- 19148
- 19149
- 19150
- 19151
- 19152
- 19153
- 19154
- 19155
- 19160
- 19161
- 19162
- 19170
- 19171
- 19172
- 19173
- 19175
- 19176
- 19177
- 19178
- 19179
- 19181
- 19182
- 19183
- 19184
- 19185
- 19187
- 19188
- 19190
- 19191
- 19192
- 19193
- 19194
- 19195
- 19196
- 19197
- 19244
- 19255
Other cities of same state
Other cities from different states
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
