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
Aspire Advantage $84 $1,006 Philadelphia, PA
National General $86 $1,034 Philadelphia, PA
Dairyland $154 $1,846 Philadelphia, PA
First Acceptance $162 $1,943 Philadelphia, PA
Progressive $193 $2,315 Philadelphia, PA
Gainsco $200 $2,400 Philadelphia, PA
Kemper $207 $2,478 Philadelphia, PA
Bristol West $208 $2,496 Philadelphia, PA
Embark General $209 $2,507 Philadelphia, PA
Infinity $220 $2,646 Philadelphia, PA
Last Updated Feb 10, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, 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
Assurance America $248 $2,979 Philadelphia, PA
Progressive $331 $3,974 Philadelphia, PA
Safeco $369 $4,428 Philadelphia, PA
National General $374 $4,490 Philadelphia, PA
Gainsco $413 $4,951 Philadelphia, PA
AAA $434 $5,203 Philadelphia, PA
First Acceptance $442 $5,310 Philadelphia, PA
Dairyland $497 $5,961 Philadelphia, PA
Embark General $524 $6,289 Philadelphia, PA
Bristol West $524 $6,292 Philadelphia, PA
Last Updated Feb 10, 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 $480 $5,757 Philadelphia, PA
21-24 $371 $4,449 Philadelphia, PA
Last Updated Feb 10, 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
Dairyland $252 $3,022 Philadelphia, PA
First Acceptance $286 $3,426 Philadelphia, PA
Progressive $391 $4,688 Philadelphia, PA
Bristol West $447 $5,368 Philadelphia, PA
The General $454 $5,447 Philadelphia, PA
Last Updated Feb 10, 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
Bristol West $348 $4,176 Philadelphia, PA
Progressive $519 $6,223 Philadelphia, PA
The General $636 $7,632 Philadelphia, PA
Dairyland $645 $7,738 Philadelphia, PA
First Acceptance $861 $10,332 Philadelphia, PA
Last Updated Feb 10, 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 $333 $3,997 Philadelphia, PA
35-44 $264 $3,166 Philadelphia, PA
45-54 $287 $3,443 Philadelphia, PA
Last Updated Feb 10, 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
National General $59 $712 Philadelphia, PA
Dairyland $133 $1,602 Philadelphia, PA
First Acceptance $146 $1,749 Philadelphia, PA
Progressive $150 $1,801 Philadelphia, PA
Infinity $158 $1,897 Philadelphia, PA
Last Updated Feb 10, 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
Progressive $322 $3,860 Philadelphia, PA
First Acceptance $355 $4,260 Philadelphia, PA
Gainsco $382 $4,588 Philadelphia, PA
Infinity $450 $5,404 Philadelphia, PA
Dairyland $504 $6,054 Philadelphia, PA
Embark General $564 $6,765 Philadelphia, PA
Bristol West $588 $7,052 Philadelphia, PA
Safeco $617 $7,405 Philadelphia, PA
The General $1,060 $12,717 Philadelphia, PA
Last Updated Feb 10, 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 $287 $3,441 Philadelphia, PA
65+ $282 $3,388 Philadelphia, PA
Last Updated Feb 10, 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 $133 $1,590 Philadelphia, PA
Progressive $150 $1,804 Philadelphia, PA
Gainsco $152 $1,819 Philadelphia, PA
First Acceptance $153 $1,832 Philadelphia, PA
Bristol West $162 $1,948 Philadelphia, PA
Last Updated Feb 10, 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 $270 $3,245 Philadelphia, PA
Safeco $277 $3,327 Philadelphia, PA
First Acceptance $281 $3,369 Philadelphia, PA
Gainsco $298 $3,576 Philadelphia, PA
The General $409 $4,912 Philadelphia, PA
Bristol West $412 $4,946 Philadelphia, PA
Last Updated Feb 10, 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
$289 $3,469 Philadelphia, PA
Last Updated Feb 10, 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 $84 $1,006 Philadelphia, PA
Assurance America $189 $2,266 Philadelphia, PA
Progressive $198 $2,377 Philadelphia, PA
National General $230 $2,755 Philadelphia, PA
Dairyland $233 $2,800 Philadelphia, PA
Infinity $250 $3,002 Philadelphia, PA
First Acceptance $255 $3,057 Philadelphia, PA
Gainsco $276 $3,306 Philadelphia, PA
Embark General $287 $3,447 Philadelphia, PA
Safeco $302 $3,620 Philadelphia, PA
Last Updated Feb 10, 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 $316 $3,796 Philadelphia, PA
660-750 $327 $3,923 Philadelphia, PA
<550 $320 $3,839 Philadelphia, PA
750+ $262 $3,145 Philadelphia, PA
Last Updated Feb 10, 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 $212 $2,543 Philadelphia, PA
First Acceptance <550 $263 $3,157 Philadelphia, PA
Progressive <550 $278 $3,340 Philadelphia, PA
Gainsco <550 $282 $3,383 Philadelphia, PA
Dairyland <550 $294 $3,533 Philadelphia, PA
Last Updated Feb 10, 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 $267 $3,200 Philadelphia, PA
At Fault With No Injury $358 $4,301 Philadelphia, PA
Not At Fault $314 $3,762 Philadelphia, PA
Last Updated Feb 10, 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
AAA $210 $2,515 Philadelphia, PA
Kemper $266 $3,191 Philadelphia, PA
Dairyland $270 $3,245 Philadelphia, PA
Progressive $309 $3,708 Philadelphia, PA
Gainsco $313 $3,752 Philadelphia, PA
Last Updated Feb 10, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $113 $1,356 Philadelphia, PA
First Acceptance $136 $1,626 Philadelphia, PA
Bristol West $243 $2,918 Philadelphia, PA
Dairyland $255 $3,063 Philadelphia, PA
Gainsco $312 $3,742 Philadelphia, PA
Last Updated Feb 10, 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 $338 $4,059 Philadelphia, PA
Speeding under 15 $261 $3,130 Philadelphia, PA
Last Updated Feb 10, 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 $98 $1,175 Philadelphia, PA
Infinity $147 $1,767 Philadelphia, PA
Dairyland $191 $2,290 Philadelphia, PA
Progressive $207 $2,488 Philadelphia, PA
Embark General $218 $2,619 Philadelphia, PA
First Acceptance $263 $3,155 Philadelphia, PA
Gainsco $264 $3,163 Philadelphia, PA
Safeco $265 $3,182 Philadelphia, PA
Bristol West $355 $4,255 Philadelphia, PA
The General $453 $5,434 Philadelphia, PA
Last Updated Feb 10, 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 $305 $3,665 Philadelphia, PA
Last Updated Feb 10, 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
The General $219 $2,632 Philadelphia, PA
Bristol West $260 $3,119 Philadelphia, PA
Dairyland $304 $3,652 Philadelphia, PA
Progressive $365 $4,383 Philadelphia, PA
Last Updated Feb 10, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

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 represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.