Cheap Car Insurance in Philadelphia

Written by Xuyun Zeng and 1 other
Updated Oct 14, 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
Dairyland $68 $820 Philadelphia, PA
National General $76 $918 Philadelphia, PA
ROOT $113 $1,361 Philadelphia, PA
Liberty Mutual $116 $1,394 Philadelphia, PA
Progressive $120 $1,439 Philadelphia, PA
First Acceptance $127 $1,525 Philadelphia, PA
Geico $131 $1,570 Philadelphia, PA
Bristol West $136 $1,635 Philadelphia, PA
Embark General $162 $1,950 Philadelphia, PA
Gainsco $172 $2,061 Philadelphia, PA
Last Updated October 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
Aspire Advantage $149 $1,784 Philadelphia, PA
Anchor General $199 $2,390 Philadelphia, PA
Electric $242 $2,908 Philadelphia, PA
Trexis $265 $3,177 Philadelphia, PA
ROOT $265 $3,184 Philadelphia, PA
Mercury $277 $3,321 Philadelphia, PA
Geico $283 $3,398 Philadelphia, PA
Safeco $284 $3,412 Philadelphia, PA
Liberty Mutual $329 $3,944 Philadelphia, PA
Dairyland $333 $3,999 Philadelphia, PA
Last Updated October 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 $672 $8,058 Philadelphia, PA
21-24 $451 $5,410 Philadelphia, PA
$242 $2,908 Philadelphia, PA
$265 $3,177 Philadelphia, PA
$265 $3,184 Philadelphia, PA
$277 $3,321 Philadelphia, PA
$283 $3,398 Philadelphia, PA
$284 $3,412 Philadelphia, PA
$329 $3,944 Philadelphia, PA
$333 $3,999 Philadelphia, PA
Last Updated October 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 $146 $1,757 Philadelphia, PA
Geico $176 $2,111 Philadelphia, PA
Progressive $195 $2,341 Philadelphia, PA
Liberty Mutual $200 $2,402 Philadelphia, PA
Safeco $230 $2,763 Philadelphia, PA
Mercury $277 $3,321 Philadelphia, PA
Geico $283 $3,398 Philadelphia, PA
Safeco $284 $3,412 Philadelphia, PA
Liberty Mutual $329 $3,944 Philadelphia, PA
Dairyland $333 $3,999 Philadelphia, PA
Last Updated October 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
ROOT $341 $4,094 Philadelphia, PA
Safeco $467 $5,601 Philadelphia, PA
Plymouth Rock $475 $5,699 Philadelphia, PA
Geico $564 $6,765 Philadelphia, PA
Liberty Mutual $603 $7,242 Philadelphia, PA
Progressive $635 $7,625 Philadelphia, PA
First Acceptance $718 $8,618 Philadelphia, PA
AAA $770 $9,241 Philadelphia, PA
Embark General $780 $9,360 Philadelphia, PA
The General $781 $9,373 Philadelphia, PA
Last Updated October 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
35-44 $307 $3,682 Philadelphia, PA
25-34 $371 $4,446 Philadelphia, PA
45-54 $299 $3,588 Philadelphia, PA
$564 $6,765 Philadelphia, PA
$603 $7,242 Philadelphia, PA
$635 $7,625 Philadelphia, PA
$718 $8,618 Philadelphia, PA
$770 $9,241 Philadelphia, PA
$780 $9,360 Philadelphia, PA
$781 $9,373 Philadelphia, PA
Last Updated October 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
Geico $105 $1,255 Philadelphia, PA
Liberty Mutual $109 $1,305 Philadelphia, PA
First Acceptance $110 $1,316 Philadelphia, PA
ROOT $111 $1,333 Philadelphia, PA
Progressive $116 $1,390 Philadelphia, PA
Progressive $635 $7,625 Philadelphia, PA
First Acceptance $718 $8,618 Philadelphia, PA
AAA $770 $9,241 Philadelphia, PA
Embark General $780 $9,360 Philadelphia, PA
The General $781 $9,373 Philadelphia, PA
Last Updated October 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
Geico $260 $3,120 Philadelphia, PA
ROOT $261 $3,137 Philadelphia, PA
AAA $284 $3,413 Philadelphia, PA
Safeco $303 $3,633 Philadelphia, PA
Liberty Mutual $360 $4,325 Philadelphia, PA
Progressive $376 $4,514 Philadelphia, PA
First Acceptance $391 $4,698 Philadelphia, PA
Plymouth Rock $399 $4,787 Philadelphia, PA
Gainsco $423 $5,070 Philadelphia, PA
Bristol West $429 $5,143 Philadelphia, PA
Last Updated October 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 $281 $3,367 Philadelphia, PA
65+ $276 $3,316 Philadelphia, PA
45-54 $284 $3,413 Philadelphia, PA
$303 $3,633 Philadelphia, PA
$360 $4,325 Philadelphia, PA
$376 $4,514 Philadelphia, PA
$391 $4,698 Philadelphia, PA
$399 $4,787 Philadelphia, PA
$423 $5,070 Philadelphia, PA
$429 $5,143 Philadelphia, PA
Last Updated October 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
Safeco $70 $841 Philadelphia, PA
Progressive $74 $892 Philadelphia, PA
Liberty Mutual $81 $970 Philadelphia, PA
Geico $96 $1,148 Philadelphia, PA
First Acceptance $101 $1,210 Philadelphia, PA
Progressive $376 $4,514 Philadelphia, PA
First Acceptance $391 $4,698 Philadelphia, PA
Plymouth Rock $399 $4,787 Philadelphia, PA
Gainsco $423 $5,070 Philadelphia, PA
Bristol West $429 $5,143 Philadelphia, PA
Last Updated October 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 $159 $1,913 Philadelphia, PA
Progressive $220 $2,640 Philadelphia, PA
ROOT $226 $2,713 Philadelphia, PA
Plymouth Rock $249 $2,982 Philadelphia, PA
Liberty Mutual $289 $3,463 Philadelphia, PA
Bristol West $300 $3,602 Philadelphia, PA
AAA $318 $3,815 Philadelphia, PA
First Acceptance $327 $3,926 Philadelphia, PA
The General $335 $4,023 Philadelphia, PA
Embark General $391 $4,689 Philadelphia, PA
Last Updated October 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
$347 $4,166 Philadelphia, PA
$220 $2,640 Philadelphia, PA
$226 $2,713 Philadelphia, PA
$249 $2,982 Philadelphia, PA
$289 $3,463 Philadelphia, PA
$300 $3,602 Philadelphia, PA
$318 $3,815 Philadelphia, PA
$327 $3,926 Philadelphia, PA
$335 $4,023 Philadelphia, PA
$391 $4,689 Philadelphia, PA
Last Updated October 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
Aspire Advantage $85 $1,014 Philadelphia, PA
Anchor General $166 $1,994 Philadelphia, PA
Electric $206 $2,475 Philadelphia, PA
Trexis $213 $2,557 Philadelphia, PA
ROOT $226 $2,717 Philadelphia, PA
Mercury $242 $2,906 Philadelphia, PA
Geico $245 $2,943 Philadelphia, PA
Safeco $246 $2,953 Philadelphia, PA
Dairyland $248 $2,973 Philadelphia, PA
Liberty Mutual $294 $3,530 Philadelphia, PA
Last Updated October 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 $331 $3,968 Philadelphia, PA
660-750 $314 $3,770 Philadelphia, PA
<550 $385 $4,616 Philadelphia, PA
750+ $273 $3,277 Philadelphia, PA
$226 $2,717 Philadelphia, PA
$242 $2,906 Philadelphia, PA
$245 $2,943 Philadelphia, PA
$246 $2,953 Philadelphia, PA
$248 $2,973 Philadelphia, PA
$294 $3,530 Philadelphia, PA
Last Updated October 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 $245 $2,945 Philadelphia, PA
First Acceptance <550 $298 $3,576 Philadelphia, PA
Progressive <550 $340 $4,080 Philadelphia, PA
Gainsco <550 $368 $4,414 Philadelphia, PA
Embark General <550 $369 $4,424 Philadelphia, PA
Mercury $242 $2,906 Philadelphia, PA
Geico $245 $2,943 Philadelphia, PA
Safeco $246 $2,953 Philadelphia, PA
Dairyland $248 $2,973 Philadelphia, PA
Liberty Mutual $294 $3,530 Philadelphia, PA
Last Updated October 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 $259 $3,114 Philadelphia, PA
At Fault With No Injury $351 $4,217 Philadelphia, PA
Not At Fault $353 $4,241 Philadelphia, PA
$368 $4,414 Philadelphia, PA
$369 $4,424 Philadelphia, PA
$242 $2,906 Philadelphia, PA
$245 $2,943 Philadelphia, PA
$246 $2,953 Philadelphia, PA
$248 $2,973 Philadelphia, PA
$294 $3,530 Philadelphia, PA
Last Updated October 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 $154 $1,845 Philadelphia, PA
Kemper $218 $2,614 Philadelphia, PA
Trexis $224 $2,688 Philadelphia, PA
Dairyland $241 $2,894 Philadelphia, PA
Safeco $292 $3,504 Philadelphia, PA
Mercury $242 $2,906 Philadelphia, PA
Geico $245 $2,943 Philadelphia, PA
Safeco $246 $2,953 Philadelphia, PA
Dairyland $248 $2,973 Philadelphia, PA
Liberty Mutual $294 $3,530 Philadelphia, PA
Last Updated October 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 $229 $2,750 Philadelphia, PA
Mercury $242 $2,906 Philadelphia, PA
Geico $245 $2,943 Philadelphia, PA
Safeco $246 $2,953 Philadelphia, PA
Dairyland $248 $2,973 Philadelphia, PA
Liberty Mutual $294 $3,530 Philadelphia, PA
Last Updated October 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 $416 $4,993 Philadelphia, PA
Speeding under 15 $374 $4,489 Philadelphia, PA
$180 $2,154 Philadelphia, PA
$202 $2,427 Philadelphia, PA
$229 $2,750 Philadelphia, PA
$242 $2,906 Philadelphia, PA
$245 $2,943 Philadelphia, PA
$246 $2,953 Philadelphia, PA
$248 $2,973 Philadelphia, PA
$294 $3,530 Philadelphia, PA
Last Updated October 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
National General $203 $2,440 Philadelphia, PA
ROOT $233 $2,793 Philadelphia, PA
Geico $248 $2,981 Philadelphia, PA
Dairyland $263 $3,152 Philadelphia, PA
Liberty Mutual $269 $3,230 Philadelphia, PA
Safeco $281 $3,366 Philadelphia, PA
Progressive $374 $4,486 Philadelphia, PA
First Acceptance $406 $4,871 Philadelphia, PA
Gainsco $428 $5,137 Philadelphia, PA
The General $437 $5,244 Philadelphia, PA
Last Updated October 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 $476 $5,709 Philadelphia, PA
Speeding under 15 $233 $2,793 Philadelphia, PA
$248 $2,981 Philadelphia, PA
$263 $3,152 Philadelphia, PA
$269 $3,230 Philadelphia, PA
$281 $3,366 Philadelphia, PA
$374 $4,486 Philadelphia, PA
$406 $4,871 Philadelphia, PA
$428 $5,137 Philadelphia, PA
$437 $5,244 Philadelphia, PA
Last Updated October 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 $248 $2,978 Philadelphia, PA
Geico $274 $3,283 Philadelphia, PA
Bristol West $354 $4,253 Philadelphia, PA
Progressive $375 $4,498 Philadelphia, PA
Infinity $484 $5,811 Philadelphia, PA
First Acceptance $530 $6,360 Philadelphia, PA
Embark General $670 $8,041 Philadelphia, PA
Gainsco $674 $8,092 Philadelphia, PA
The General $760 $9,120 Philadelphia, PA
Clearcover $802 $9,623 Philadelphia, PA
Last Updated October 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.

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Our experts
meet-experts-thumbnail
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 $89 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.
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