Philadelphia drivers must navigate narrow streets, heavy traffic, and congestion on routes like Interstate 95 and the Schuylkill Expressway. Cobblestone roads and winter weather can add to the challenging city drive. Reliable car insurance helps ensure that you’re prepared for the unexpected in the busy, historic city.
We’ve gathered car insurance quote data from Jerry customers in Philadelphia to show you how your age, driving record and preferred coverage may impact your rate.
Cheapest minimum coverage insurance in Philadelphia
Pennsylvania requires drivers to have this minimum insurance coverage:
- $15,000 for bodily injury of one person in an accident.
- $30,000 for bodily injury of more than one person in an accident.
- $5,000 for property damage liability.
Here are the average costs that insurers quote to Philadelphia drivers for minimum coverage, from cheapest to most expensive, according to quote data from local Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Aspire Advantage | $84 | $1,006 | Philadelphia, PA |
| Nationwide | $91 | $1,094 | Philadelphia, PA |
| Kemper | $124 | $1,487 | Philadelphia, PA |
| Allstate | $133 | $1,595 | Philadelphia, PA |
| Safeco | $142 | $1,710 | Philadelphia, PA |
| Clearcover | $147 | $1,770 | Philadelphia, PA |
| Travelers | $152 | $1,826 | Philadelphia, PA |
| Mercury | $157 | $1,885 | Philadelphia, PA |
| State Auto | $161 | $1,938 | Philadelphia, PA |
| First Acceptance | $164 | $1,963 | Philadelphia, PA |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in Philadelphia
The state’s minimum coverage may not help protect your finances if you need to repair your car after an accident. Full coverage kicks in if your car is damaged in severe weather, such as flash flooding, or in cases where you need to repair your car as a result of an accident, regardless of whether you’re at fault.
This table shows the average full coverage insurance costs for Philadelphia drivers, from cheapest to most expensive, according to Jerry’s aggregate quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Kemper | $203 | $2,440 | Philadelphia, PA |
| Mercury | $215 | $2,574 | Philadelphia, PA |
| Assurance America | $223 | $2,675 | Philadelphia, PA |
| Nationwide | $249 | $2,994 | Philadelphia, PA |
| Travelers | $283 | $3,393 | Philadelphia, PA |
| Allstate | $313 | $3,751 | Philadelphia, PA |
| Clearcover | $336 | $4,037 | Philadelphia, PA |
| Metlife | $346 | $4,156 | Philadelphia, PA |
| Safeco | $350 | $4,196 | Philadelphia, PA |
| Progressive | $393 | $4,720 | Philadelphia, PA |
Cheapest car insurance for young drivers in Philadelphia
Younger drivers with less experience on the road are viewed as risker by insurers, and therefore usually pay higher premiums. Here’s what drivers between 18 and 24 years old in Philadelphia can expect to pay, based Jerry’s quote data.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 18-20 | $504 | $6,047 | Philadelphia, PA |
| 21-24 | $444 | $5,323 | Philadelphia, PA |
Cheapest minimum coverage for 20-year-olds
Based on Jerry’s data, these insurers offer the cheapest minimum coverage auto insurance for 20-year-olds in Philadelphia.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| First Acceptance | $286 | $3,426 | Philadelphia, PA |
| Dairyland | $341 | $4,096 | Philadelphia, PA |
| Plymouth Rock | $372 | $4,458 | Philadelphia, PA |
| AAA | $382 | $4,582 | Philadelphia, PA |
| Progressive | $450 | $5,398 | Philadelphia, PA |
Cheapest full coverage for 20-year-olds
These insurers offer the cheapest full coverage policies to 20-year-olds, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Bristol West | $348 | $4,176 | Philadelphia, PA |
| The General | $636 | $7,632 | Philadelphia, PA |
| Dairyland | $723 | $8,670 | Philadelphia, PA |
| Progressive | $747 | $8,960 | Philadelphia, PA |
| First Acceptance | $861 | $10,332 | Philadelphia, PA |
| AAA | $923 | $11,071 | Philadelphia, PA |
| Safeco | $932 | $11,184 | Philadelphia, PA |
| Plymouth Rock | $1,748 | $20,978 | Philadelphia, PA |
Cheapest car insurance costs for mature drivers in Philadelphia (25-54 years old)
Car insurance costs tend to decrease as you reach your late 20s and 30s, so it’s a good time to start regularly checking for lower rates. More mature drivers can expect to pay these rates in Philadelphia, based on Jerry’s quote data.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 25-34 | $351 | $4,217 | Philadelphia, PA |
| 35-44 | $307 | $3,685 | Philadelphia, PA |
| 45-54 | $301 | $3,607 | Philadelphia, PA |
Cheapest minimum coverage for 36-year-olds
These insurers offer the cheapest quotes for minimum coverage car insurance to 36-year-olds in Philadelphia, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Nationwide | $76 | $914 | Philadelphia, PA |
| Safeco | $114 | $1,362 | Philadelphia, PA |
| First Acceptance | $140 | $1,685 | Philadelphia, PA |
| Dairyland | $149 | $1,793 | Philadelphia, PA |
| Infinity | $150 | $1,802 | Philadelphia, PA |
Cheapest full coverage for 36-year-olds
These insurers provide the cheapest full coverage quotes to 36-year-olds in Philadelphia, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Kemper | $190 | $2,275 | Philadelphia, PA |
| Nationwide | $229 | $2,746 | Philadelphia, PA |
| Safeco | $326 | $3,917 | Philadelphia, PA |
| Progressive | $345 | $4,144 | Philadelphia, PA |
| Allstate | $346 | $4,150 | Philadelphia, PA |
| First Acceptance | $355 | $4,260 | Philadelphia, PA |
| Plymouth Rock | $369 | $4,423 | Philadelphia, PA |
| Gainsco | $382 | $4,588 | Philadelphia, PA |
| Travelers | $388 | $4,653 | Philadelphia, PA |
| AAA | $413 | $4,955 | Philadelphia, PA |
Cheapest car insurance for older drivers (55+ years old)
Rates continue to decrease into your 50s, but they may rise again in your 60s. Here are the average rates for older Philadelphia drivers, based on data from Jerry customers.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 55-64 | $280 | $3,358 | Philadelphia, PA |
| 65+ | $258 | $3,091 | Philadelphia, PA |
Cheapest minimum coverage for 65-year-olds
These insurers provide the lowest price quotes for 65-year-olds in Philadelphia, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| National General | $71 | $856 | Philadelphia, PA |
| Safeco | $72 | $863 | Philadelphia, PA |
| Plymouth Rock | $83 | $994 | Philadelphia, PA |
| Nationwide | $86 | $1,031 | Philadelphia, PA |
| Progressive | $121 | $1,450 | Philadelphia, PA |
Cheapest full coverage for 65-year-olds
Here are the companies that offer the cheapest full coverage policies to 65-year-olds, based on Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Kemper | $150 | $1,801 | Philadelphia, PA |
| Allstate | $159 | $1,906 | Philadelphia, PA |
| Travelers | $167 | $2,002 | Philadelphia, PA |
| Safeco | $209 | $2,510 | Philadelphia, PA |
| Plymouth Rock | $224 | $2,684 | Philadelphia, PA |
| Progressive | $225 | $2,695 | Philadelphia, PA |
| Nationwide | $233 | $2,794 | Philadelphia, PA |
| State Auto | $244 | $2,929 | Philadelphia, PA |
| AAA | $266 | $3,188 | Philadelphia, PA |
| Infinity | $280 | $3,362 | Philadelphia, PA |
Cheapest car insurance for drivers with clean records in Philadelphia
Having no claims or violations on your driving record can help ensure you’re getting the most affordable car insurance policy. Here’s what drivers with clean records can expect to pay on average, according to Jerry’s quote data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|
| $301 | $3,611 | Philadelphia, PA |
These insurers offer the lowest prices to Philadelphia drivers with clean records, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Aspire Advantage | $84 | $1,006 | Philadelphia, PA |
| Commonwealth Insurance | $112 | $1,339 | Philadelphia, PA |
| Assurance America | $170 | $2,040 | Philadelphia, PA |
| Kemper | $174 | $2,091 | Philadelphia, PA |
| Mercury | $177 | $2,129 | Philadelphia, PA |
| Nationwide | $202 | $2,426 | Philadelphia, PA |
| Travelers | $227 | $2,725 | Philadelphia, PA |
| Allstate | $248 | $2,982 | Philadelphia, PA |
| Dairyland | $256 | $3,072 | Philadelphia, PA |
| First Acceptance | $256 | $3,076 | Philadelphia, PA |
Cheapest car insurance rates for drivers with low credit scores in Philadelphia
A low credit score may lead to higher rates than someone with good credit might pay. Here’s what Philadelphia drivers can expect to pay for car insurance, based on their credit scores, according to Jerry’s quote data.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 550-659 | $340 | $4,075 | Philadelphia, PA |
| 660-750 | $315 | $3,775 | Philadelphia, PA |
| <550 | $356 | $4,271 | Philadelphia, PA |
| 750+ | $233 | $2,790 | Philadelphia, PA |
These insurance companies provide the cheapest quotes to Philadelphia drivers with scores below 550, based on Jerry’s data.
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|---|
| Assurance America | <550 | $198 | $2,372 | Philadelphia, PA |
| National General | <550 | $232 | $2,782 | Philadelphia, PA |
| First Acceptance | <550 | $254 | $3,054 | Philadelphia, PA |
| Gainsco | <550 | $280 | $3,356 | Philadelphia, PA |
| Embark General | <550 | $311 | $3,737 | Philadelphia, PA |
Cheapest car insurance for drivers with at-fault accidents in Philadelphia
Having an accident on your record usually causes your policy costs to rise. Here’s what a driver with an at-fault accident can expect to pay in Philadelphia, based on Jerry’s quote data.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| At Fault With Injury | $341 | $4,086 | Philadelphia, PA |
| At Fault With No Injury | $375 | $4,498 | Philadelphia, PA |
| Not At Fault | $367 | $4,406 | Philadelphia, PA |
Cheapest car insurance for drivers with at-fault accidents with no injury in Philadelphia
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Kemper | $196 | $2,350 | Philadelphia, PA |
| Nationwide | $242 | $2,899 | Philadelphia, PA |
| Clearcover | $274 | $3,283 | Philadelphia, PA |
| First Acceptance | $298 | $3,577 | Philadelphia, PA |
| Gainsco | $314 | $3,772 | Philadelphia, PA |
Cheapest car insurance for drivers with at-fault accidents with injury in Philadelphia
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| First Acceptance | $136 | $1,626 | Philadelphia, PA |
| Kemper | $153 | $1,835 | Philadelphia, PA |
| Infinity | $173 | $2,075 | Philadelphia, PA |
| Dairyland | $244 | $2,923 | Philadelphia, PA |
| Clearcover | $252 | $3,020 | Philadelphia, PA |
Cheapest car insurance for drivers with speeding tickets in Philadelphia
If you receive a ticket for speeding, your car insurance costs will likely increase. The higher your speed, the more expensive your policy. Here’s what drivers with speeding tickets pay in Philadelphia on average, according to customer data collected by Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Speeding over 15 | $373 | $4,475 | Philadelphia, PA |
| Speeding under 15 | $378 | $4,541 | Philadelphia, PA |
These insurers provide the most affordable insurance policies to Philadelphia drivers with speeding tickets on their records, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Electric | $199 | $2,392 | Philadelphia, PA |
| Infinity | $216 | $2,598 | Philadelphia, PA |
| Mercury | $257 | $3,084 | Philadelphia, PA |
| First Acceptance | $269 | $3,234 | Philadelphia, PA |
| Gainsco | $282 | $3,382 | Philadelphia, PA |
| Dairyland | $284 | $3,404 | Philadelphia, PA |
| Embark General | $295 | $3,541 | Philadelphia, PA |
| National General | $300 | $3,601 | Philadelphia, PA |
| Allstate | $309 | $3,713 | Philadelphia, PA |
| Clearcover | $320 | $3,845 | Philadelphia, PA |
Cheapest car insurance for drivers with DUIs in Philadelphia
A DUI is often cause for your insurance rates to rise. Here’s what drivers in Philadelphia who have DUIs on their records can expect to pay, according Jerry’s quote data.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| DUI | $306 | $3,673 | Philadelphia, PA |
These insurers offer the cheapest insurance quotes to Philadelphia drivers with a DUI, per Jerry’s customer quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Plymouth Rock | $123 | $1,470 | Philadelphia, PA |
| The General | $219 | $2,632 | Philadelphia, PA |
| Dairyland | $253 | $3,035 | Philadelphia, PA |
| AAA | $277 | $3,327 | Philadelphia, PA |
| Progressive | $328 | $3,935 | Philadelphia, PA |
| Bristol West | $377 | $4,520 | Philadelphia, PA |
Methodology
Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.
