Cheapest Car Insurance in Philadelphia (2026)

Travelers offers Philadelphia's cheapest full coverage at $126 monthly or $1,516 annually, while Westfield Insurance provides the lowest minimum coverage rates at $35 monthly or $420 annually. These rates reflect an adult driver with a clean driving record. Your age and driving record significantly impact which insurer offers you the best rate, so comparing quotes across multiple companies helps you find the most competitive premium for your specific situation.

Philadelphia drivers pay $98 per month for minimum coverage and $237 per month for full coverage. These rates exceed Pennsylvania's state average of $46 monthly for minimum coverage and $113 monthly for full coverage. Philadelphia's premiums run more than double the state average due to higher traffic density, elevated accident rates and increased vehicle theft in urban areas. Comparing quotes from multiple insurers helps Philadelphia drivers find the most competitive rates available.

Read More: The Cheapest Car Insurance in Pennsylvania

Age ranks among the most important factors affecting car insurance rates in Philadelphia. Young drivers pay an average of $385 monthly across the five cheapest insurers, while adult drivers pay $175 monthly and senior drivers pay $218 monthly. Philadelphia's young drivers see premiums more than double adult rates due to their limited driving experience and higher accident rates.

Cheapest Philadelphia car insurance by age:

• Young drivers: Travelers at $265 per month
• Adult drivers: Travelers at $126 per month
• Senior drivers: Travelers at $162 per month

Age becomes less significant once drivers reach middle age and beyond. The modest difference between adult and senior rates shows insurers view experienced drivers similarly regardless of whether they're 40 or 70 years old.

Travelers offers Philadelphia's cheapest car insurance for young drivers at $265 monthly or $3,180 annually for full coverage on a family policy. Young drivers ages 16 to 25 pay the highest premiums in Philadelphia because insurers consider them the riskiest group due to inexperience, higher accident rates and more frequent traffic violations. The average monthly rate for young drivers across Philadelphia's five cheapest insurers is $385, compared to $175 for adults, making youth premiums more than double adult rates.

Young Philadelphia drivers can save $224 monthly by choosing Travelers over State Farm, the fifth cheapest option at $489 monthly. Adding a young driver to a family policy costs less than getting them a separate policy, though rates remain steep until they reach 25.

Travelers provides the cheapest car insurance for Philadelphia seniors at $162 monthly or $1,943 annually for full coverage. Senior drivers ages 65 and older benefit from decades of driving experience and typically maintain clean driving records, though some insurers slightly increase rates for drivers over 70 due to concerns about slower reaction times. Philadelphia seniors pay an average of $218 monthly across the five cheapest insurers, about $43 more than the $175 adult average.

Choosing Travelers over Erie Insurance, the fifth cheapest at $258 monthly, saves Philadelphia seniors $96 each month. Many insurers offer additional discounts for seniors who complete defensive driving courses or drive fewer than 7,500 miles annually.

Travelers offers Philadelphia's lowest rates for adult drivers at $126 monthly or $1,516 annually for full coverage. Adult drivers ages 26 to 64 qualify for the best rates because they combine extensive experience with lower accident risk compared to younger and older age groups. The average monthly premium for adults across Philadelphia's five cheapest insurers is $175, representing the lowest rates of any age category.

Philadelphia adults save $93 monthly by selecting Travelers over State Farm at $219 monthly, the fifth cheapest option. Adults can reduce premiums further by maintaining clean driving records, bundling policies and taking advantage of good driver discounts.

Westfield Insurance offers the cheapest minimum liability coverage rates for Philadelphia drivers with clean records at $35 monthly and drivers with speeding tickets at $38 monthly, while Travelers provides the lowest rates for drivers with DUIs at $74 monthly. Driving violations increase insurance costs substantially in Philadelphia, with average monthly rates across the five cheapest insurers rising from $60 for clean records to $68 for speeding tickets, $72 for at-fault accidents and $123 for DUIs.

Speeding tickets create smaller increases since they show risky behavior without actual crash involvement. At-fault accidents raise premiums because they demonstrate you've caused property damage or injuries, signaling higher risk to insurers. DUIs trigger the steepest rate hikes because they combine dangerous behavior with legal consequences, making insurers view you as their highest-risk customer category and often requiring SR-22 filing for license reinstatement.

In Philadelphia, car insurance rates by ZIP code range from $75 to $305 per month, with ZIP code 19120 being the most expensive and 19118 the cheapest. Check the rates for your ZIP code in the table.

Philadelphia's three most populous ZIP codes—19143, 19144 and 19104—have minimum coverage rates of $103, $100 and $98 monthly. Rates vary across Philadelphia ZIP codes based on local factors like accident frequency, vehicle theft rates, population density and the number of uninsured drivers in each neighborhood. Click the filter above the table to find your ZIP code and see your neighborhood's average rate.

Our guide shows you how to secure better rates while maintaining the right coverage for your needs.

Looking for cheap car insurance in Philadelphia? Our FAQ section provides straightforward answers to help you find affordable coverage that fits your needs. We break down coverage options, discounts and local requirements so you can make informed decisions about your policy.

Philadelphia drivers pay some of Pennsylvania's highest car insurance rates, with premiums varying dramatically across the city's ZIP codes. We designed our research to find insurers offering the best rates for  Philadelphia's unique urban driving conditions. Read More on MoneyGeek's Auto Insurance Analysis Methodology.