Best Car Insurance Companies in Philadelphia, PA

The best auto insurance company for you will vary based on your needs and driver profile. However, MoneyGeek found that, overall, Erie offers the best full coverage policies, the best minimum coverage policies and the best policies for young adults in Philadelphia. Chubb is the best insurer for customer service and seniors. Auto-Owners is the best choice for teens on a family policy. Consider American National if you have a traffic violation on your record and Travelers if you have a new car.

MoneyGeek also reviewed the cheapest auto insurance providers for those on a budget.

In Philadelphia, the best auto insurance companies are:

• Erie: MoneyGeek score 81 out of 100 ($1,369 per year)
• Auto-Owners: MoneyGeek score 80 out of 100 ($1,271 per year)

Out of the 11 insurance providers we evaluated and ranked in Philadelphia, Erie is our top pick for full coverage, receiving excellent affordability and customer satisfaction scores. These scores make this insurer ideal for those looking for low-cost car insurance with quality services.

USAA is the best insurance provider for active duty and retired military personnel and their affiliates in Philadelphia. The company earned a MoneyGeek score of 83 out of 100, and its premium for a full coverage policy costs $1,276 annually. In addition to being the best insurer in Philadelphia, our data shows that Erie is also the best car insurance company in Pennsylvania.

Erie ranks top among the 11 insurance providers MoneyGeek evaluated in Philadelphia. Its rate is the fifth cheapest at $1,369 per year for a full coverage policy, and it has the third-highest customer service rating. Erie’s premium rate is $337 more expensive on average than Travelers, the cheapest option in Pennsylvania.

Meanwhile, American National has the highest customer satisfaction rating in the city, but its full coverage policies come at a steeper price of $1,441 a year on average. MoneyGeek scores were only assigned to companies if there was sufficient available data to assess each scoring component, including affordability, customer service and financial stability.

Without factoring in cost, the best auto insurance companies for customer service in Philadelphia are:

• Chubb: MoneyGeek score 76 out of 100 ($2,287 per year)
• Erie: MoneyGeek score 70 out of 100 ($1,369 per year)

Chubb earned the second-highest customer satisfaction ratings and ranked first for claims management in the city. This insurer is ideal for those who prefer premium customer service and satisfaction. However, it’s important to note that Chubb is significantly more costly than many other providers in the city, with the third most expensive premium for a full coverage policy in Philadelphia.

Companies that offer good customer service provide policyholders with prompt and accurate responses to inquiries, helpful information about their coverage and policies, and timely assistance with claims.

MoneyGeek selected the best insurer for customer service based on reviews from J.D. Power and data from consumer reports platforms. Although American National ranks first for customer satisfaction in Philadelphia, the company earned low marks for claims handling. MoneyGeek ranked Chubb first for this category because it balances customer satisfaction with effective claims management.

MoneyGeek’s analysis of the best cheap car insurance companies in Philadelphia found that the most affordable and highest-quality policies that meet Pennsylvania’s minimum coverage requirements are:

• Erie: MoneyGeek score 82 out of 100 ($543 per year)
• Westfield: MoneyGeek score 81 out of 100 ($570 per year)

A minimum coverage policy is the most affordable coverage type available — however, it also offers the least protection against liability costs and no protection for damage to your own vehicle after an accident. Car insurance requirements in Pennsylvania are the same across all cities, so the cheapest policies in Philadelphia will offer the same amount of protection as the cheapest policies in other cities in the state.

Sometimes, cheap premiums mean low-quality service. The best cheap insurer balances low rates with excellent service — Erie balanced both. While cost is an essential factor, it's also important to consider the quality of customer service and ease of claims handling.

MoneyGeek’s research found that Chubb ranks No.1 for claims handling but fell short in affordability. Meanwhile, Travelers offers the cheapest premiums in Philadelphia for minimum coverage policies but ranked low for customer satisfaction.

The best car insurance companies for young adults in Philadelphia are:

• Erie: MoneyGeek score 81 out of 100 ($1,715 per year)
• Auto-Owners: MoneyGeek score 79 out of 100 ($1,485 per year)

Erie ranks third for affordability and customer satisfaction, making it a top choice for young adults looking for a reliable, affordable insurer.

When shopping for the best auto insurance company, young adults should consider insurers offering affordable policies, applicable discounts and coverages tailored to their needs. Erie meets all these requirements, making it MoneyGeek’s clear choice for Philadelphia’s best provider for young adults.

The best car insurance company in Philadelphia for teens on their parents’ policy are:

• Auto-Owners: MoneyGeek score 76 out of 100 ($3,468 per year)
• Travelers: MoneyGeek score 75 out of 100 ($3,015 per year)

Auto-Owners stands out among the seven insurers we analyzed for teen drivers due to its competitive rates and high claims handling and customer service scores. Car insurance is usually more costly for teenagers — and only legally available for purchase from those under the age of 18 with a parent or guardian co-signer. Teens have the potential to save a lot of money if they are added to their parent's policy. On average, this could result in $2,023 in savings annually.

The best insurance company for teens offers affordable rates and discounts specifically for teens and students. Teens and their parents should also consider an insurer with coverages like roadside assistance and accident forgiveness. Although Travelers’ auto insurance premiums are cheaper than Auto-Owners, it ranked slightly lower for customer satisfaction.

In Philadelphia, the best car insurance for seniors are:

• Chubb: MoneyGeek score 81 out of 100 ($1,840 per year)
• Auto-Owners: MoneyGeek score 79 out of 100 ($1,216 per year)

With high scores in customer satisfaction and claims handling, Chubb is MoneyGeek’s top pick for the best auto insurer for Philadelphia seniors. Generally speaking, drivers in their 60s can expect to pay similar rates to those in their 30s, 40s and 50s. However, rates may increase when drivers reach their 70s, as insurance companies see this as a higher-risk age group.

Seniors in their 60s often get lower rates compared to other age groups when searching for insurance. The ideal insurance for older drivers should be affordable and offer full coverage plans with personal injury protection (PIP) to offer more protection should serious injuries occur in the event of an accident. While Chubb does not provide discounts for seniors, its excellent customer service makes it stand out from other providers, including the runner-up, Auto-Owners.

The best car insurance companies for those with offenses in Philadelphia are:

• American National: MoneyGeek score 78 out of 100 ($2,271 per year)
• Erie: MoneyGeek score 78 out of 100 ($2,383 per year)

Of the 12 insurers we reviewed, American National has the highest customer satisfaction score and the fourth cheapest average premium, making it our top pick for drivers with offenses.

Generally, car insurance rates will be higher for those with driving violations, with the amount varying depending on the severity of the offense. In Philadelphia, a driver with a DUI offense will pay $1,489 more, on average, than a driver with a clean record. While car insurance is more expensive for drivers with violations, selecting one of the top auto insurers for drivers with driving offenses can help you save money.

The best insurer for drivers with offenses is one that offers high-quality customer service, competitive rates and significant discounts to offset higher premiums. MoneyGeek’s pick for the best provider for drivers with violations, American National, scored highest in customer satisfaction and fourth in affordability. Other runners-up, such as Allstate, Travelers and State Farm, also offer competitive rates, so they may also be worth considering.

The best car insurance for Philadelphia drivers with new cars are:

• Travelers: MoneyGeek score 76 out of 100 ($1,042 per year)
• Allstate: MoneyGeek score 43 out of 100 ($2,188 per year)

The ranking for this category was based on the affordability and service quality of insurance policies for drivers with a 2022 model car in Pennsylvania. We limited our rating to insurance providers that offer new or better car replacement coverage. New or better car replacement coverage is an insurance coverage that offers policyholders a new or better car than their existing one if their vehicle is determined to be a total loss due to an accident. Travelers provides affordable policies with attractive coverages for new car owners, making it MoneyGeek’s clear winner in this category.

Travelers is our top pick for drivers with new cars due to its affordable policies and new car replacement coverage. Travelers also scored well in terms of discounts, coverage options and customer service. Allstate, our runner-up in this category, ranks first for customer service but falls short in terms of affordability.

The best car insurance provider for you depends on your unique needs and preferences. MoneyGeek answered some commonly asked questions about Philadelphia auto insurance to help you find the best insurer in the city for you.