Jerry has helped customers find affordable coverage in Pennsylvania since 2019. In Philadelphia, here are some key numbers from the past six months:
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Jerry has helped 4,279 drivers to compare 16 insurance providers.
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Majority of quotes range from $211 to $560 per month.
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On average, Jerry users who switched to a lower quote saved $48 to $215 per month.
If you want to see what you could save, Jerry can help you check your options in minutes.
Save on Philadelphia insurance with Jerry.
How Jerry finds car insurance savings for Philadelphia drivers
Premiums have gone up year after year in Pennsylvania, but Jerry is still able to find competitive coverage that considers your budget and needs.
Here are recent quotes that Philadelphia drivers found in the Jerry app and how much they saved.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Learn more: Best car insurance in Pennsylvania
If you’re looking to find the cheapest car insurance in Pennsylvania, below are four top tips that Jerry’s agents have found.
Jerry Agent Tip 1: Compare quotes to find the cheapest insurer
Drivers in Philadelphia can often save money just by comparing quotes from a few different insurers.
Each insurer rates your profile in their own way, so one company might offer a lower quote than another for the exact same coverage.
Here you can see how much quotes differ for the same level of protection:
Recent customer quotes
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Key takeaway: Prices can vary widely, even for the same coverage. Comparing quotes with Jerry helps you find the lowest rate available to you.
Jerry Agent Tip 2: Stack discounts to cut your premium
Drivers in Philadelphia can lower their premiums by using discounts for things like being a homeowner, going paperless or having modern safety features. Combined, these savings can make premiums more affordable without compromising protection.
It’s not always easy to know which discounts you qualify for, so Jerry finds and stacks them for you automatically.
Key takeaway: You may not have activated all of your available discounts. Use Jerry’s app to find out which discounts you qualify for.
Jerry Agent Tip 3: Balance protection and price to find the right coverage
Choosing the right mix of coverage helps drivers in Philadelphia stay protected without overspending.
State minimums keep premiums low, while options like full coverage, standard and preferred tiers add stronger protections like rental reimbursement, towing and lower deductibles.
When you find the best balance between cost and protection, driving feels a lot more secure. Here are the coverage options available to drivers in Philadelphia:
Minimum
$115 – $244/mo
Meets state-required liability, PIP and limited tort, but doesn’t cover damage to your own car.
Full
$260 – $563/mo
Adds collision and comprehensive coverage, typically required for financed or leased vehicles.
Standard
$311 – $642/mo
Often includes full tort, higher liability limits and optional medical payments.
Preferred
$380 – $802/mo
Higher liability, lower deductibles and extras like rental reimbursement or towing.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Key takeaway: Coverage levels aren’t one-size-fits-all. Jerry shows you the real cost of each tier so you can find the protection level that feels right for your car and your budget.
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Coverage definitions
Get personalized car insurance rates now.
Jerry Agent Tip 4: Pick the right deductible
Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.
Here’s a look at the deductibles Jerry drivers chose in the past year:
To find the ideal deductible:
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Check your car’s value (Jerry tracks this for you monthly).
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Choose what you can afford out-of-pocket.
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See how deductibles change your rate in real time.
The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.
Drive with confidence
Accidents, theft and repair bills are part of the reality of driving, but the right coverage helps you stay protected without overpaying. Jerry makes it simple for Philadelphia drivers to compare quotes, choose the right coverage tier and find a policy that offers both savings and peace of mind.
Get Philadelphia quotes in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
