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.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, 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.

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.

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.

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.

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.

Cheapest minimum coverage for 36-year-olds

These insurers offer the cheapest auto insurance quotes for minimum coverage car insurance to 36-year-olds in Philadelphia, according to Jerry's data.

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.

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.

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.

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.

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.

These insurers offer the lowest prices to Philadelphia drivers with clean records, according to Jerry's data.

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.

These insurance companies provide the cheapest quotes to Philadelphia drivers with scores below 550, based on Jerry's data.

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.

Cheapest car insurance for drivers with at-fault accidents with no injury in Philadelphia

Cheapest car insurance for drivers with at-fault accidents with injury in Philadelphia

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.

These insurers provide the most affordable insurance policies to Philadelphia drivers with speeding tickets on their records, according to Jerry's quote data.

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.

These insurers offer the cheapest insurance quotes to Philadelphia drivers with a DUI, per Jerry's customer quote data.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

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Summary

Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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