Cheap Car Insurance in Philadelphia

Written by Xuyun Zeng and 1 other
Updated Aug 3, 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 $81 $976 Philadelphia, PA
Progressive $115 $1,381 Philadelphia, PA
ROOT $115 $1,382 Philadelphia, PA
Liberty Mutual $116 $1,395 Philadelphia, PA
First Acceptance $126 $1,514 Philadelphia, PA
Bristol West $128 $1,535 Philadelphia, PA
Geico $142 $1,707 Philadelphia, PA
Embark General $164 $1,972 Philadelphia, PA
Gainsco $169 $2,027 Philadelphia, PA
The General $175 $2,105 Philadelphia, PA
Last Updated July 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
Geico $263 $3,155 Philadelphia, PA
ROOT $270 $3,239 Philadelphia, PA
Safeco $303 $3,631 Philadelphia, PA
AAA $340 $4,081 Philadelphia, PA
Liberty Mutual $352 $4,224 Philadelphia, PA
Progressive $395 $4,745 Philadelphia, PA
National General $397 $4,759 Philadelphia, PA
Bristol West $419 $5,032 Philadelphia, PA
First Acceptance $441 $5,289 Philadelphia, PA
Gainsco $445 $5,340 Philadelphia, PA
Last Updated July 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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 $718 $8,622 Philadelphia, PA
21-24 $461 $5,537 Philadelphia, PA
Last Updated July 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
ROOT $144 $1,724 Philadelphia, PA
Progressive $180 $2,164 Philadelphia, PA
Liberty Mutual $204 $2,446 Philadelphia, PA
Bristol West $228 $2,733 Philadelphia, PA
Geico $244 $2,926 Philadelphia, PA
Last Updated July 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
Geico $359 $4,308 Philadelphia, PA
ROOT $387 $4,639 Philadelphia, PA
Liberty Mutual $529 $6,351 Philadelphia, PA
Safeco $600 $7,196 Philadelphia, PA
Progressive $697 $8,368 Philadelphia, PA
Bristol West $732 $8,778 Philadelphia, PA
First Acceptance $809 $9,712 Philadelphia, PA
The General $833 $9,998 Philadelphia, PA
Embark General $863 $10,358 Philadelphia, PA
Gainsco $1,004 $12,048 Philadelphia, PA
Last Updated July 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 $363 $4,354 Philadelphia, PA
35-44 $306 $3,670 Philadelphia, PA
45-54 $290 $3,486 Philadelphia, PA
Last Updated July 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
First Acceptance $112 $1,341 Philadelphia, PA
ROOT $115 $1,381 Philadelphia, PA
Geico $129 $1,550 Philadelphia, PA
Safeco $133 $1,592 Philadelphia, PA
Liberty Mutual $134 $1,612 Philadelphia, PA
Last Updated July 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
ROOT $265 $3,182 Philadelphia, PA
Geico $282 $3,382 Philadelphia, PA
Safeco $327 $3,919 Philadelphia, PA
Liberty Mutual $371 $4,454 Philadelphia, PA
Gainsco $391 $4,689 Philadelphia, PA
First Acceptance $395 $4,735 Philadelphia, PA
Progressive $411 $4,926 Philadelphia, PA
The General $442 $5,298 Philadelphia, PA
Bristol West $447 $5,369 Philadelphia, PA
Embark General $455 $5,457 Philadelphia, PA
Last Updated July 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 $268 $3,218 Philadelphia, PA
65+ $266 $3,193 Philadelphia, PA
Last Updated July 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
Geico $49 $586 Philadelphia, PA
Liberty Mutual $72 $864 Philadelphia, PA
Progressive $74 $894 Philadelphia, PA
Safeco $75 $899 Philadelphia, PA
Bristol West $91 $1,093 Philadelphia, PA
Last Updated July 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
Safeco $180 $2,163 Philadelphia, PA
Progressive $250 $2,995 Philadelphia, PA
ROOT $258 $3,098 Philadelphia, PA
AAA $285 $3,420 Philadelphia, PA
Geico $290 $3,483 Philadelphia, PA
Bristol West $298 $3,571 Philadelphia, PA
Liberty Mutual $304 $3,645 Philadelphia, PA
The General $374 $4,492 Philadelphia, PA
First Acceptance $392 $4,700 Philadelphia, PA
Embark General $428 $5,132 Philadelphia, PA
Last Updated July 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
$339 $4,065 Philadelphia, PA
Last Updated July 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
ROOT $231 $2,777 Philadelphia, PA
Geico $238 $2,853 Philadelphia, PA
Safeco $262 $3,148 Philadelphia, PA
Liberty Mutual $321 $3,848 Philadelphia, PA
Progressive $326 $3,916 Philadelphia, PA
National General $327 $3,922 Philadelphia, PA
Gainsco $332 $3,986 Philadelphia, PA
AAA $334 $4,005 Philadelphia, PA
Bristol West $341 $4,086 Philadelphia, PA
The General $341 $4,094 Philadelphia, PA
Last Updated July 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 $327 $3,927 Philadelphia, PA
660-750 $319 $3,825 Philadelphia, PA
<550 $388 $4,657 Philadelphia, PA
750+ $255 $3,058 Philadelphia, PA
Last Updated July 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
Assurance America <550 $258 $3,096 Philadelphia, PA
Dairyland <550 $285 $3,419 Philadelphia, PA
First Acceptance <550 $302 $3,621 Philadelphia, PA
Progressive <550 $337 $4,041 Philadelphia, PA
Gainsco <550 $358 $4,298 Philadelphia, PA
Last Updated Aug. 4, 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 $219 $2,623 Philadelphia, PA
At Fault With No Injury $365 $4,379 Philadelphia, PA
Not At Fault $337 $4,050 Philadelphia, PA
Last Updated July 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
National General $145 $1,742 Philadelphia, PA
Kemper $218 $2,614 Philadelphia, PA
Trexis $224 $2,688 Philadelphia, PA
Dairyland $285 $3,421 Philadelphia, PA
First Acceptance $303 $3,633 Philadelphia, PA
Last Updated July 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 $119 $1,426 Philadelphia, PA
First Acceptance $157 $1,881 Philadelphia, PA
Dairyland $180 $2,154 Philadelphia, PA
Gainsco $202 $2,427 Philadelphia, PA
Progressive $241 $2,888 Philadelphia, PA
Last Updated July 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 $414 $4,967 Philadelphia, PA
Speeding under 15 $314 $3,765 Philadelphia, PA
Last Updated July 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 $193 $2,315 Philadelphia, PA
Infinity $245 $2,945 Philadelphia, PA
First Acceptance $245 $2,946 Philadelphia, PA
Progressive $318 $3,811 Philadelphia, PA
Gainsco $335 $4,021 Philadelphia, PA
ROOT $400 $4,804 Philadelphia, PA
Bristol West $418 $5,015 Philadelphia, PA
Safeco $421 $5,052 Philadelphia, PA
The General $445 $5,339 Philadelphia, PA
Embark General $446 $5,352 Philadelphia, PA
Last Updated July 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 $221 $2,647 Philadelphia, PA
Last Updated Aug. 4, 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
First Acceptance $154 $1,852 Philadelphia, PA
ROOT $164 $1,969 Philadelphia, PA
The General $219 $2,632 Philadelphia, PA
Bristol West $231 $2,770 Philadelphia, PA
Progressive $255 $3,065 Philadelphia, PA
Dairyland $304 $3,652 Philadelphia, PA
Last Updated Aug. 3, 2025

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.

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 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.

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.