Cheapest Auto Insurance in Philadelphia, Pennsylvania (2025)
Philadelphia drivers can find the cheapest car insurance rates from National General. The insurer’s rates start at just $119 per month.
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Philadelphia is home to some of the worst traffic congestion in America. In fact, Inrix found that the city has the 10th-highest traffic delay time of cities worldwide.1
The city’s heavy traffic is one of the reasons Philadelphia residents pay higher-than-average car insurance rates: $233 per month compared to the national average of $143.
Here’s how to find cost-effective car insurance in the City of Brotherly Love.
Quick Facts
National General is the cheapest insurer in Philadelphia for liability policies, while State Farm is the cheapest for full coverage.
Liability-only insurance in Philadelphia costs $179 per month, and full coverage costs $287 per month, on average.
Insurers in Pennsylvania can consider your credit history when determining your rates.
3 of the cheapest car insurance companies in Philadelphia
When buying cheap auto insurance in Philadelphia, one size certainly doesn’t fit all. Your best option depends on different factors, including your driving history, location, vehicle type, and personal coverage needs.
The table above shows three of the most affordable car insurance companies in Philly to provide a starting point for your comparison shopping.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for new-car owners: Foremost
Best insurer for low-mileage drivers: Mile Auto
Best insurer for teen drivers: State Farm
How to get the cheapest car insurance in Philadelphia
Insurance companies consider several factors when setting your rates, including your driving history, age, the type of vehicle you drive, and even your credit history.3
However, you can take steps to secure cheap car insurance:
Bundle policies. Many insurance companies offer discounts for bundling car insurance with other types of policies, such as homeowners or renters insurance.
Increase your deductible. Opting for a higher deductible can lower your monthly premiums because you agree to take on more financial responsibility in the event of a claim.
Maintain a clean driving record. A history of accidents or traffic violations can increase your rates significantly.
Shop around. Don’t settle for the first quote you receive. Compare rates from multiple companies to find the best deal.
Cheapest liability-only car insurance in Philadelphia: National General
Liability-only car insurance is the minimum coverage Philadelphia law requires. This type of insurance covers injuries and damage you may cause to others in an accident but doesn’t cover damages to your own vehicle.
National General offers the cheapest liability-only policies in Philadelphia, at $119 per month. The table below shows the companies offering the lowest average rates for liability-only coverage in the city.
Cheapest full-coverage car insurance in Philadelphia: State Farm
Full-coverage car insurance includes liability insurance as well as collision and comprehensive coverage. Collision insurance covers damage to your vehicle from accidents, and comprehensive insurance protects against non-collision incidents like theft, vandalism, or hail damage.
Full coverage is particularly beneficial for drivers with newer or higher-value vehicles, and lenders typically require it for anyone who has a car loan or lease.
Drivers can find the cheapest full-coverage insurance with State Farm, with rates of $119 per month.
To help you find affordable coverage in Philadelphia, here’s a table showing companies with the lowest average rates for full coverage.
Car insurance requirements in Pennsylvania
All Pennsylvania drivers must have car insurance to show financial responsibility in case of an accident. Pennsylvania is a no-fault state, meaning a driver’s insurance pays for their own damages and injuries, regardless of who was at fault in an accident. However, the state has a unique version of no-fault car insurance.
In Pennsylvania, policyholders have two options: limited-tort coverage or full-tort coverage. Purchasing limited-tort coverage limits your right to receive financial compensation for injuries and other losses when another driver causes the accident.
You’ll pay a higher average annual rate for full-tort coverage, but buying this kind of policy essentially means opting out of the no-fault system. It gives you unlimited rights to financial compensation for injuries and other losses when another driver causes the accident.4
If you want more than the minimum insurance requirements in Pennsylvania, consider the following coverages:
Cheapest car insurance for drivers with an incident
In auto insurance, an incident refers to an event that negatively affects your driving record, such as an at-fault accident, speeding ticket, driving under the influence (DUI), or other moving violation.
Insurance companies view drivers with incidents on their record as high-risk, so they increase their car insurance rates.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Getting a speeding ticket indicates risky driving behavior to car insurance companies, which usually leads to more claims. Each speeding ticket can lead to a rise in premiums when your policy renews.
The cheapest car insurance for Philadelphia drivers with a speeding ticket is $149 per month, from State Farm.
The table below shows the companies with the best rates for drivers with one speeding ticket on their record and how the rates offered to these drivers compare to those offered to drivers with a clean record.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Causing an accident signals to insurance companies that you have a higher likelihood of being involved in future accidents or filing other claims. After an at-fault accident, your insurance company may raise your rates or cancel your policy when it comes up for renewal.
The cheapest car insurance you’ll find in Philadelphia with an accident is from State Farm, with liability rates of $156 per month.
The table below shows the cheapest Philly insurance companies for drivers with one at-fault accident on their record and how those rates compare to rates for drivers with a clean record.
Cheapest car insurance for drivers with a DUI: National General
A DUI is one of the most serious incidents that can affect your car insurance rates. It signals a significant risk to insurers, as it suggests you’re more likely to engage in risky behavior behind the wheel and be involved in costly accidents.
The cheapest car insurance you’ll find in Philadelphia with a DUI is $186 per month, from National General.
To illustrate the effect of a DUI on car insurance rates in Philadelphia, here’s a comparison table showing the average rates for drivers with a DUI versus drivers with clean records.
Cheapest car insurance for seniors: State Farm
Your age can have a big effect on your car insurance rates. While teens and young adults pay high premiums, rates tend to decrease around age 35 as drivers gain experience and pose a lower risk of accidents. However, this trend reverses as drivers reach around age 70 due to the higher risk of accidents associated with aging, such as slower reflexes and deteriorating vision.
The cheapest insurer for senior drivers in Philadelphia is State Farm, with a cost of $102 per month.
To help senior drivers in Philadelphia find the most budget-friendly insurance, here’s a table showing the insurance companies offering the cheapest average rates for both liability only and full coverage.
Cheapest car insurance for teens: National General
Car insurance rates for teen drivers are typically higher than those for adults, primarily due to young drivers’ lack of driving experience and higher risk of accidents.
The cheapest insurer for teen drivers in Philadelphia is National General, with a monthly rate of $252.
Despite their increased risk profile, teens and their families have plenty of ways to find more affordable car insurance. For example, it can be more cost-effective to keep teens on their parent’s insurance policy rather than having a separate policy.
Here’s a table showing the insurance companies offering lower rates for teen drivers in Philadelphia.
Philadelphia car insurance quotes by credit tier
In Pennsylvania, insurance companies are allowed to consider credit scores when setting car insurance rates. This practice is based on the correlation between credit scores and the likelihood of filing claims.3 Generally, drivers with good or excellent credit pay the lowest rates, while drivers with poor credit pay higher rates.
The chart below shows how credit affects car insurance rates in Philadelphia.
Is car insurance more expensive in Philadelphia?
Yes. Car insurance in Philadelphia tends to be more expensive compared to the national average and to other cities in Pennsylvania.
Philadelphia’s average monthly cost is $233, compared to $124 in all of Pennsylvania and $143 nationally. This disparity is due to various factors, including the city’s dense urban environment, higher rates of traffic accidents, theft, and vandalism, as well as the overall cost of living.
More cities in Pennsylvania
In Pennsylvania’s second-largest city, Pittsburgh, average car insurance rates are lower than in Philadelphia.5 This difference may be due to Pittsburgh’s smaller population and less congested roads.
The table below shows the average rates for liability-only and full-coverage car insurance coverage in other Pennsylvania cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Philadelphia car insurance FAQs
Finding the right car insurance can be a challenge. Below are answers to some of the most commonly asked questions about car insurance in Philadelphia.
How much is car insurance in Philadelphia?
On average, car insurance in Philadelphia costs $287 per month for full coverage and $179 for liability-only insurance. Your rate depends on factors like your location, driving record, age, and even gender.
Which company has the cheapest car insurance in Philadelphia?
National General offers the cheapest car insurance rates in Philadelphia, at $119 per month for liability-only coverage. Philadelphia drivers can also find cheap car insurance from State Farm and Progressive, which have liability rates of $128 and $144 per month, respectively.
What are the best car insurance companies in Philadelphia?
Foremost, Mile Auto, and State Farm are the best car insurance companies in Philadelphia. All have Insurify Quality (IQ) Scores of 3.4 out of 5 or higher and have strong financial strength ratings. The best car insurance company for you may differ since everyone has unique insurance needs and financial situations. Always compare quotes from multiple insurers before choosing a policy.
Why is Philadelphia car insurance so expensive?
Car insurance in Philadelphia is so expensive in part because its traffic is highly congested, and accidents are more likely to occur. Major cities, such as Philly, almost always see higher rates than suburban and rural areas due to the nature of the environment. Your car is simply more likely to sustain damage while in a city than in a suburb.
What are the minimum car insurance requirements in Pennsylvania?
All drivers in Pennsylvania must carry $15,000 per person and $30,000 per accident in bodily injury liability coverage, as well as $5,000 in property damage liability insurance.
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