Cheap Car Insurance in Philadelphia

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in Philadelphia

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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
National General $148 $1,770 Philadelphia, PA
Dairyland $155 $1,862 Philadelphia, PA
First Acceptance $174 $2,083 Philadelphia, PA
Progressive $196 $2,355 Philadelphia, PA
Kemper $204 $2,444 Philadelphia, PA
Gainsco $204 $2,451 Philadelphia, PA
Embark General $206 $2,476 Philadelphia, PA
Infinity $210 $2,521 Philadelphia, PA
Bristol West $222 $2,663 Philadelphia, PA
The General $248 $2,970 Philadelphia, PA
Last Updated May 27, 2025

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.

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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
National General $346 $4,146 Philadelphia, PA
Safeco $353 $4,237 Philadelphia, PA
Progressive $362 $4,346 Philadelphia, PA
Gainsco $433 $5,202 Philadelphia, PA
First Acceptance $449 $5,389 Philadelphia, PA
Root $472 $5,661 Philadelphia, PA
AAA $500 $6,002 Philadelphia, PA
Dairyland $505 $6,061 Philadelphia, PA
Clearcover $523 $6,272 Philadelphia, PA
Embark General $528 $6,333 Philadelphia, PA
Last Updated May 27, 2025

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 $478 $5,741 Philadelphia, PA
21-24 $442 $5,303 Philadelphia, PA
Last Updated May 27, 2025

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 $262 $3,149 Philadelphia, PA
Progressive $273 $3,279 Philadelphia, PA
Root $274 $3,290 Philadelphia, PA
Embark General $308 $3,699 Philadelphia, PA
Gainsco $311 $3,730 Philadelphia, PA
Last Updated May 27, 2025

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
The General $370 $4,435 Philadelphia, PA
Gainsco $445 $5,338 Philadelphia, PA
AAA $498 $5,974 Philadelphia, PA
First Acceptance $581 $6,968 Philadelphia, PA
Bristol West $589 $7,064 Philadelphia, PA
Embark General $631 $7,572 Philadelphia, PA
Progressive $638 $7,661 Philadelphia, PA
Root $807 $9,686 Philadelphia, PA
Last Updated May 21, 2025

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 $4,210 Philadelphia, PA
35-44 $302 $3,628 Philadelphia, PA
45-54 $328 $3,931 Philadelphia, PA
Last Updated May 27, 2025

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
Dairyland $138 $1,655 Philadelphia, PA
First Acceptance $148 $1,771 Philadelphia, PA
Infinity $153 $1,836 Philadelphia, PA
Gainsco $173 $2,073 Philadelphia, PA
Bristol West $185 $2,219 Philadelphia, PA
Last Updated May 21, 2025

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
Safeco $310 $3,723 Philadelphia, PA
Progressive $386 $4,635 Philadelphia, PA
Root $432 $5,181 Philadelphia, PA
First Acceptance $483 $5,800 Philadelphia, PA
Gainsco $518 $6,218 Philadelphia, PA
Infinity $626 $7,512 Philadelphia, PA
Bristol West $672 $8,070 Philadelphia, PA
The General $980 $11,757 Philadelphia, PA
Embark General $1,239 $14,864 Philadelphia, PA
Last Updated May 21, 2025

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 $274 $3,289 Philadelphia, PA
65+ $310 $3,723 Philadelphia, PA
Last Updated May 21, 2025

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
Dairyland $111 $1,332 Philadelphia, PA
First Acceptance $113 $1,352 Philadelphia, PA
Progressive $125 $1,505 Philadelphia, PA
Safeco $133 $1,598 Philadelphia, PA
The General $148 $1,770 Philadelphia, PA
Last Updated May 27, 2025

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
Progressive $211 $2,533 Philadelphia, PA
Safeco $281 $3,375 Philadelphia, PA
Gainsco $307 $3,680 Philadelphia, PA
Root $415 $4,979 Philadelphia, PA
The General $472 $5,669 Philadelphia, PA
First Acceptance $494 $5,926 Philadelphia, PA
Dairyland $674 $8,083 Philadelphia, PA
Embark General $709 $8,508 Philadelphia, PA
Bristol West $727 $8,728 Philadelphia, PA
Last Updated May 21, 2025
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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
$308 $3,693 Philadelphia, PA
Last Updated May 27, 2025

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
National General $222 $2,661 Philadelphia, PA
Progressive $227 $2,728 Philadelphia, PA
Dairyland $255 $3,059 Philadelphia, PA
Safeco $259 $3,102 Philadelphia, PA
First Acceptance $294 $3,529 Philadelphia, PA
Gainsco $299 $3,592 Philadelphia, PA
Embark General $324 $3,888 Philadelphia, PA
Bristol West $341 $4,094 Philadelphia, PA
Clearcover $343 $4,119 Philadelphia, PA
Infinity $366 $4,387 Philadelphia, PA
Last Updated May 27, 2025

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 $352 $4,222 Philadelphia, PA
660-750 $344 $4,134 Philadelphia, PA
<550 $345 $4,143 Philadelphia, PA
750+ $265 $3,177 Philadelphia, PA
Last Updated May 27, 2025

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
Dairyland <550 $249 $2,990 Philadelphia, PA
Assurance America <550 $258 $3,096 Philadelphia, PA
Progressive <550 $271 $3,257 Philadelphia, PA
Gainsco <550 $303 $3,641 Philadelphia, PA
First Acceptance <550 $308 $3,699 Philadelphia, PA
Last Updated May 21, 2025

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 $296 $3,553 Philadelphia, PA
At Fault With No Injury $386 $4,628 Philadelphia, PA
Not At Fault $352 $4,224 Philadelphia, PA
Last Updated May 21, 2025

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 $105 $1,258 Philadelphia, PA
Trexis $224 $2,688 Philadelphia, PA
Dairyland $277 $3,321 Philadelphia, PA
National General $289 $3,473 Philadelphia, PA
First Acceptance $314 $3,768 Philadelphia, PA
Last Updated May 27, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Embark General $114 $1,364 Philadelphia, PA
First Acceptance $156 $1,870 Philadelphia, PA
Progressive $241 $2,889 Philadelphia, PA
Gainsco $255 $3,055 Philadelphia, PA
Dairyland $255 $3,063 Philadelphia, PA
Last Updated May 27, 2025

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 $324 $3,882 Philadelphia, PA
Speeding under 15 $359 $4,306 Philadelphia, PA
Last Updated May 27, 2025

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
Dairyland $195 $2,341 Philadelphia, PA
Progressive $249 $2,987 Philadelphia, PA
Gainsco $275 $3,295 Philadelphia, PA
Embark General $295 $3,542 Philadelphia, PA
First Acceptance $309 $3,704 Philadelphia, PA
Infinity $330 $3,960 Philadelphia, PA
Safeco $339 $4,074 Philadelphia, PA
Root $411 $4,937 Philadelphia, PA
Bristol West $449 $5,394 Philadelphia, PA
Clearcover $523 $6,280 Philadelphia, PA
Last Updated May 27, 2025

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 $275 $3,302 Philadelphia, PA
Last Updated May 21, 2025

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
Root $166 $1,994 Philadelphia, PA
The General $219 $2,632 Philadelphia, PA
Bristol West $231 $2,774 Philadelphia, PA
Progressive $300 $3,603 Philadelphia, PA
Dairyland $304 $3,652 Philadelphia, PA
Last Updated May 21, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.