Updated May 20, 2026

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Cheap car insurance in Philadelphia, PA

Philadelphia drivers pay an average of $523 a month for full coverage and $200 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$70

Lowest state minimum quote Jerry has found in last 12 months

$213

Lowest full coverage quote Jerry has found in last 12 months

$317

Average monthly savings for drivers who switch and find savings

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Author

Megan Lee

Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.

Credentials:

• 16 years as a professional writer and editor

• 6 years covering personal finance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

Pennsylvania’s auto insurance market is shaped by two unusual features: drivers must elect between limited tort and full tort coverage when they buy a policy, and the state’s mandatory minimums of 15/30/5 are among the lowest in the country. Philadelphia drivers face the same statutory floor as the rest of Pennsylvania but consistently pay well above the state average, reflecting density-driven claim frequency, an auto theft wave that has increased since 2023 and a high concentration of drivers carrying only the state minimums. The result is a market where carrier and coverage selection matter more than in most cities, both for premium and for legal-rights protection after a crash.

Jerry compares 100+ insurers to help you save. We’ve found quotes for Philadelphia drivers starting as low as $213 per month for full coverage (Liberty Mutual) and $106 per month for state minimum (Plymouth Rock) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for Philadelphia drivers

Here are some recent quotes Jerry has pulled for drivers in Philadelphia. These aren’t sample rates — they’re actual quotes pulled for Philadelphia drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

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What are the cheapest car insurance companies in Philadelphia?

Right now, Plymouth Rock is the cheapest average carrier for Philadelphia drivers at around $106 per month for state minimum coverage — but “cheapest overall” doesn’t always mean cheapest for you.

Pennsylvania’s competitive rate-filing environment supports a deeper carrier set than what shoppers see in heavily regulated Northeastern markets. Four points to keep in mind when comparing the Philadelphia market:

• The cheapest option for Philadelphia drivers with clean records is Root.  Root is a telematics-driven insurer whose pricing model rewards low-mileage and low-incident driving behavior, and our Philadelphia data shows Root leading the full coverage averages and sitting close to the top on state minimum. For drivers willing to share driving data through a smartphone app, Root consistently produces some of the lowest standalone quotes in the Philadelphia market.

• The tort election changes the math on minimum-coverage shopping. Pennsylvania is one of only two states that requires drivers to choose between limited tort and full tort at policy purchase. Limited tort lowers premiums but restricts your right to sue for pain and suffering after a crash, and carriers price the two elections differently. The cheapest carrier for a limited-tort minimum policy isn’t always the cheapest for a full-tort policy at the same coverage level, so comparing quotes at your actual tort election — not a generic minimum quote — matters more in Philadelphia than in almost any other city.

• Pennsylvania’s low state minimums push more drivers into the non-standard market. PA’s 15/30/5 floor plus $5,000 in first-party medical benefits is among the lowest in the country, which keeps minimum-coverage policies accessible but also means a meaningful share of Philadelphia drivers carry only the legal minimum. Non-standard carriers like First Acceptance and Bristol West are built around that segment and around drivers with coverage lapses, multiple violations or SR-22 filings. Their averages run above the standard market, but for drivers outside standard-carrier appetite, they’re often the only path to a Philadelphia policy.

• Telematics-driven carriers compete hard on the Philadelphia full coverage tier. In a city with high density-driven claim frequency, drivers who score well on braking, cornering and time-of-day metrics can land well below the standard-market full coverage average. The model isn’t the right fit for every driver, but for verified safe drivers, the savings on full coverage in Philadelphia can be substantial.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

Plymouth Rock is the cheapest car insurance company in Philadelphia for state minimum coverage at an average of $106 per month. 

Cheapest carriers in Philadelphia by average, state minimum coverage

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Plymouth Rock	$106	$70
Root	$111	$91
Progressive	$127	$80
First Acceptance	$139	$101
Bristol West	$158	$106

Plymouth Rock

Average monthly cost

$106

Cheapest quote we’ve found

$70

Root

Average monthly cost

$111

Cheapest quote we’ve found

$91

Progressive

Average monthly cost

$127

Cheapest quote we’ve found

$80

First Acceptance

Average monthly cost

$139

Cheapest quote we’ve found

$101

Bristol West

Average monthly cost

$158

Cheapest quote we’ve found

$106

Last Updated May 21, 2026

Based on Jerry data from the past 12 months.

Root is the cheapest car insurance company in Philadelphia for full coverage at an average of $303 per month. 

Cheapest carriers in Philadelphia by average, full coverage

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Root	$303	$214
Liberty Mutual	$355	$211
GEICO	$389	$219
Plymouth Rock	$391	$223
Progressive	$461	$259

Root

Average monthly cost

$303

Cheapest quote we’ve found

$214

Liberty Mutual

Average monthly cost

$355

Cheapest quote we’ve found

$211

GEICO

Average monthly cost

$389

Cheapest quote we’ve found

$219

Plymouth Rock

Average monthly cost

$391

Cheapest quote we’ve found

$223

Progressive

Average monthly cost

$461

Cheapest quote we’ve found

$259

Last Updated May 21, 2026

Based on Jerry data from the past 12 months.

Key takeaway: Plymouth Rock is the cheapest option for most Philadelphia drivers, but Root can be more competitive for drivers with less-than perfect records or who need an SR-22 filed. Comparing across both tiers and across the carriers actively writing in Philly is the fastest way to find your cheapest available rate. Jerry shows you multiple quotes at once so you can compare and save.

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Why is car insurance expensive in Philadelphia?

Drivers in Philadelphia with clean records average $400/mo, which is above the PA state average ($255/mo) and above the national average of $263/mo. Three forces explain why Philadelphia premiums run well above the rest of Pennsylvania: an auto theft wave that started rising in 2023, density-driven traffic claim frequency and a high concentration of drivers carrying only the state’s low statutory minimums. The Pennsylvania Auto Theft Prevention Authority reported a 92% increase in Philadelphia auto thefts in 2023 before carriers and law enforcement responded, though the city is still responsible for 68% of auto thefts state-wide.

Philadelphia car insurance rates by ZIP code

Philadelphia’s ZIP variation tracks neighborhood lines closely, with the cheapest ZIPs cluster in Center City and the gentrified outer neighborhoods, and the most expensive concentrate in North Philadelphia, West Philadelphia and the Olney-Logan corridor.

Cheapest ZIP codes

The cheapest Philadelphia ZIPs span Center City and gentrified outer neighborhoods. Manayunk leads the list at the lowest individual ZIP, with Rittenhouse, Roxborough, Chestnut Hill, Bella Vista, Washington Square, Fairmount, Graduate Hospital and Fishtown filling out the rest. Sample sizes in these neighborhoods are smaller than in the city’s most expensive ZIPs, reflecting lower car ownership in walkable, transit-served areas.

Most expensive ZIP codes

The most expensive ZIPs concentrate in North Philadelphia, West Philadelphia and the Olney-Logan corridor, including West Oak Lane, Olney, Cobbs Creek, Germantown, Strawberry Mansion and Hunting Park. Sample sizes in these ZIPs are substantially larger than in the cheap-ZIP list, reflecting much higher actual driver density. The premium gap between the cheapest Center City ZIPs and the most expensive North Philly ZIPs is one of the widest within-city spreads we see in our data.

Philadelphia car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s Philadelphia data shows for each, and what it actually means for your quote.

By age

Age is one of the strongest predictors of premium for Philadelphia drivers, especially for drivers under 25. Jerry’s Philadelphia data shows a rate cliff around 25, resulting in a $44/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $123/mo drop for full coverage. Drivers crossing into the mid-twenties bracket should plan to compare quotes immediately after their birthday, since not every carrier re-prices automatically at the policy-renewal cycle.

Average cost of insurance in Philadelphia by age group, state minimum

Average cost of insurance in Philadelphia by age group, full coverage

By driving record

Having at-fault accidents adds -6% on average for Philadelphia Jerry users — but that figure masks a compounding effect most drivers don’t know about. The Philadelphia full coverage data also shows speeding tickets and DUI averages running below the clean-record average, both carrier-mix effects where drivers with violations or DUI histories get sorted into non-standard carriers like Bristol West and First Acceptance that price competitively at this coverage level. The result is a curve where at-fault accidents are the only driving-record category that adds to the clean-record full coverage baseline in our data.

Surcharges in Pennsylvania can stay on your record for the rating period defined in your insurer’s approved rate plan, typically 3 years for tickets and accidents. Jerry monitors your policy and automatically reshops when a better rate becomes available, including when surcharges fall off your rating.

Average cost of state minimum coverage in Philadelphia, by driving record

Average cost of full coverage in Philadelphia, by driving record

By credit score

Pennsylvania permits credit-based insurance scoring as one component of carrier underwriting, subject to standard fair-rating requirements. The size of the credit effect varies meaningfully by carrier in our Philadelphia data, with telematics-driven insurers like ROOT placing relatively less weight on credit while traditional standard-market carriers tend to weigh it more heavily. Drivers in the middle credit tiers should compare across both groups, since the cheapest carrier for the same driver can differ substantially based on each carrier’s scoring approach.

Average cost of state minimum coverage in Philadelphia, by credit score

Average cost of full coverage in Philadelphia, by credit score

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

Learn more: Best car insurance in Pennsylvania

Calculate your car insurance costs

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

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.

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:

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

Get personalized car insurance rates now.

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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:

• Check your car’s value (Jerry tracks this for you monthly).

• Choose what you can afford out-of-pocket.

• See how deductibles change your rate in real time.

Pennsylvania car insurance minimums: What’s required in Philadelphia

Pennsylvania requires liability coverage and first-party medical benefits, plus a tort election between limited and full tort. The minimums apply uniformly across the state, so Philadelphia drivers face the same statutory floor as drivers anywhere else in Pennsylvania. Here are the minimum requirements in Pennsylvania:

• $15,000 in bodily injury liability for injury to one person.

• $30,000 for bodily injury liability for injury to several people in an accident.

• $5,000 for property damage.

• $5,000 for first-party medical benefits (PIP).

Drivers can also choose to purchase a combined single limit (CSL) policy of at least $35,000, which covers the property damage and bodily injury liability requirement.

Driving without the required coverage in Pennsylvania can result in registration suspension, license suspension and fines.

Pennsylvania’s minimums are among the lowest in the country, well below average serious-crash costs. The average crash with injuries costs more than $160,000, according to the National Safety Council, more than ten times Pennsylvania’s $15,000 per-person bodily injury minimum. Most Philadelphia drivers benefit from carrying liability above the minimums plus uninsured and underinsured motorist coverage. Jerry can help you find affordable car insurance starting at just $266/mo.

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 50 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