Westfield and Travelers are among the most affordable car insurance companies in Philadelphia, with Westfield standing out for minimum coverage and Travelers for full coverage. Insurance rates can vary widely based on your driver profile and the coverage level you choose. Below, you'll find a table that breaks down costs across different categories, helping you see which company offers the best rates for your needs.
Cheapest Car Insurance in Philadelphia, PA
Updated: December 13, 2024
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Key Takeaways
Westfield, Travelers, Auto-Owners Insurance Co, GEICO, and Chubb are the overall cheapest car insurance providers in the City of Brotherly Love.
The lowest rates per month are $36 for state minimum coverage and $108 for full coverage.
On average, drivers pay $73 a month for minimum coverage and $194 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Pennsylvania Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Philadelphia
| Westfield | Minimum Coverage | $36 |
| Travelers | Full Coverage | $108 |
| Nationwide | Teens | $210 |
| Westfield | Young Adults | $47 |
| Westfield | Senior Drivers | $36 |
| Westfield | Drivers With Bad Credit | $73 |
| Westfield | Drivers With a Speeding Ticket | $39 |
| Travelers | Drivers With a DUI | $69 |
| Westfield | Drivers With an Accident | $36 |
| Westfield | Military Affiliated Drivers | $36 |
Cheapest Car Insurance Coverage in Philadelphia
Finding the cheapest car insurance in Philadelphia requires comparing rates from various providers. Your age, driving record, type of car, and coverage needs all play a role in determining costs. Keep in mind, the cheapest car insurance in Pennsylvania might not be the lowest in Philadelphia. By shopping around for car insurance quotes, you can find affordable options that don't skimp on protection.
Cheapest Minimum Coverage Car Insurance in Philadelphia
Westfield offers the cheapest minimum coverage in Philadelphia at $36 per month, followed by Travelers at $48. Check the table below to see more providers offering great rates for minimum coverage.
Cheapest Full Coverage Car Insurance in Philadelphia
Travelers offers the cheapest full coverage car insurance in Philadelphia at $1,299 per year. Check the table below to see other providers offering competitive rates for full coverage.
| Travelers | $108 | $86 |
| Auto-Owners Insurance Co | $117 | $77 |
| Nationwide | $147 | $48 |
| Westfield | $160 | $34 |
| American National P&C | $164 | $30 |
| Erie | $167 | $27 |
| State Farm | $182 | $12 |
| Allstate | $184 | $10 |
Cheapest Car Insurance in Philadelphia by Age
In Philadelphia, car insurance rates can change with age. Young drivers often pay more because they're new on the road. Over time, these costs usually get lower, but they might go up after age 70. Below, find the most affordable options for teens, young adults, and seniors.
In Philly, your car insurance isn't priced by how old you are. Other things like where you live and your car's model matter more. We've got the scoop on what affects your rate and how to find a good deal.
Cheapest Car Insurance in Philadelphia for Teens
For teens in the City of Brotherly Love, Auto-Owners Insurance Co, Nationwide, and State Farm offer the cheapest car insurance. Check the table below to find the lowest rates for your age group.
| Nationwide | $210 | $114 | $445 | $65 |
| Travelers | $213 | $111 | $337 | $173 |
| Auto-Owners Insurance Co | $258 | $67 | $488 | $22 |
| State Farm | $297 | $27 | $358 | $152 |
Cheapest Car Insurance in Philadelphia for Young Adults
For young adults seeking car insurance for young adults in Philly, Westfield offers the best deal at $564 yearly, saving 46% compared to the city average. Travelers, Auto-Owners Insurance Co, and GEICO are also affordable options.
| Westfield | $47 | $40 |
| Travelers | $51 | $36 |
| Auto-Owners Insurance Co | $62 | $25 |
| GEICO | $74 | $13 |
| American National P&C | $76 | $11 |
| Progressive | $87 | $0 |
Cheapest Car Insurance in Philadelphia for Seniors
Westfield offers the cheapest car insurance for seniors in Philadelphia, with an annual rate of $430. For more details on car insurance for seniors, check the table below to explore options from other providers and find the best rates for senior drivers.
| Westfield | $36 | $33 |
| Travelers | $49 | $20 |
| Chubb | $51 | $18 |
| Auto-Owners Insurance Co | $55 | $14 |
| GEICO | $63 | $6 |
Cheapest Car Insurance in Philadelphia for Drivers With Bad Credit
A low credit-based insurance score can result in higher premiums compared to those with good scores. For affordable cheap car insurance for drivers with bad credit, Westfield offers the lowest yearly rate at $873, followed by Auto-Owners Insurance Co at $1,035 in Philadelphia. Review the table below for more options from other providers.
| Westfield | $73 | $56 |
| Auto-Owners Insurance Co | $86 | $43 |
| Chubb | $102 | $28 |
| American National P&C | $107 | $22 |
| Nationwide | $114 | $15 |
| GEICO | $126 | $3 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still lower car insurance costs. Take advantage of common discounts, and consider bundling different insurance policies. Compare personalized quotes from multiple companies. Improving your credit over time can also help you get a lower rate.
Cheapest Car Insurance in Philadelphia After a Driving Offense
Insurance providers assess risk by evaluating your driving record to calculate premiums. Violations like speeding tickets, accidents, or DUIs can raise your rates significantly. Even the cheapest car insurance for drivers with violations is more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Philadelphia After a DUI
Philadelphia drivers with a DUI can still find affordable car insurance. Travelers offers the cheapest minimum coverage at $834 annually for those in this situation. Check the table below to explore options from other providers and find the best rates for drivers with a DUI in the City of Brotherly Love.
| Travelers | $69 | $58 |
| Progressive | $85 | $43 |
| Allstate | $87 | $41 |
| State Farm | $88 | $40 |
| American National P&C | $110 | $18 |
| GEICO | $116 | $11 |
Cheapest Car Insurance in Philadelphia After an Accident
Westfield offers the most affordable minimum coverage car insurance for drivers with an at-fault accident record in Philadelphia at $432 annually. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates.
| Westfield | $36 | $70 |
| Travelers | $64 | $41 |
| Auto-Owners Insurance Co | $87 | $19 |
| State Farm | $96 | $9 |
| American National P&C | $97 | $8 |
| Chubb | $102 | $4 |
| Erie | $104 | $2 |
| GEICO | $105 | $1 |
EXPERT TIP: ACCIDENT FORGIVENESS
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Cheapest Car Insurance in Philadelphia After a Ticket
Westfield offers the most affordable car insurance for Philadelphia drivers with a speeding record at $473 annually. Auto-Owners Insurance Co follows with a rate of $695 per year. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with a speeding record.
| Travelers | $58 | $32 |
| Progressive | $76 | $14 |
| Erie | $80 | $10 |
| Allstate | $87 | $3 |
| State Farm | $88 | $2 |
| GEICO | $89 | $1 |
| Westfield | $39 | $51 |
| Auto-Owners Insurance Co | $58 | $32 |
Cheapest Car Insurance in Philadelphia for Military Drivers
Military drivers, including active-duty members, veterans, and their families, often find special discounts and competitive rates on car insurance. In Philadelphia, cheapest car insurance providers for military drivers include Westfield at $432 per year and USAA at $509 per year for minimum coverage.
| Westfield | $36 | $34 |
| USAA | $42 | $28 |
| Travelers | $48 | $22 |
| Auto-Owners Insurance Co | $55 | $15 |
| GEICO | $64 | $7 |
| Chubb | $64 | $6 |
| American National P&C | $67 | $3 |
How Much Does Car Insurance Cost in Philadelphia?
In Philadelphia, full coverage car insurance averages $2329 yearly. State minimum coverage is less, averaging $872 annually. Remember, these rates are for a 40-year-old with good credit and a clean driving record; your own rate may differ.
Philadelphia Auto Insurance Cost by Driver Profile
Review this table of average auto insurance costs by driver profile. It helps you compare rates and check if you're paying a fair price for your minimum coverage.
| Teen Drivers | No Data | $510 |
| Young Adults | $87 | $241 |
| Senior Drivers | $69 | $178 |
| Drivers With Bad Credit | $129 | $338 |
| Drivers With a Speeding Ticket | $90 | $240 |
| Drivers With a DUI | $128 | $335 |
| Drivers With an Accident | $106 | $280 |
| Military Affiliated Drivers | $70 | $189 |
How Expensive Is Car Insurance Philadelphia?
Car insurance in Philadelphia costs about 66% more for minimum coverage and 59% more for full coverage compared to the state average. That's $73 monthly ($872 annually) for minimum coverage and $194 monthly ($2329 annually) for full coverage.
| Philadelphia Avg Rate | $73 | $194 |
| Pennsylvania Avg Rate | $44 | $122 |
| vs Pennsylvania Avg Rate | $-29 | $-72 |
Car Insurance Requirements in Philadelphia
In Pennsylvania, drivers must carry auto insurance that meets the state's minimum coverage limits. This includes coverage for bodily injuries and property damage that the policyholder might cause to others in an accident.
Pennsylvania's minimum coverage limits are as follows:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
- $5,000 for medical payments coverage.
An auto insurance policy in Pennsylvania provides financial protection against the costs that arise from an accident. The liability coverage pays for the damages or injuries that the policyholder is responsible for causing to other people.
For example, if you're at fault in an accident and the other driver sustains injuries, your bodily injury liability coverage would pay up to $15,000 for that person's medical expenses. It's important to have adequate coverage to protect your financial well-being in case of an accident.
Cheapest Car Insurance in Philadelphia: Bottom Line
The cheapest car insurance in Philly changes based on your age, driving habits, car and credit-based insurance score. Westfield and Travelers often have the most affordable plans. Always compare quotes to make sure you snag the best price for your insurance.
Cheap Philadelphia Car Insurance: FAQ
MoneyGeek helps you find affordable car insurance options in Philadelphia by answering frequently asked questions. Discover the best coverage for your needs with our guidance.
What is the cheapest car insurance company in Philadelphia, Pennsylvania?
The cheapest car insurance company in Philadelphia, Pennsylvania, is typically Westfield, with an average rate of $36 per month for minimum coverage, and Travelers with an average rate of $108 per month for full coverage. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Philadelphia, Pennsylvania?
The average cost of car insurance in Philadelphia, Pennsylvania, is around $194 per month for full coverage, while minimum coverage averages approximately $73 per month. These rates can vary depending on your specific circumstances.
Is car insurance in Philadelphia, Pennsylvania, expensive?
Yes, car insurance in Philadelphia, Pennsylvania, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Philadelphia, PA
To help Philadelphia drivers find the most affordable auto insurance companies, MoneyGeek analyzed Philadelphia auto insurance rates based on data and information from the Pennsylvania Department of Insurance and Quadrant Information Services.
Philadelphia Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Philadelphia with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Philadelphia
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Pennsylvania are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.