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 $1,843 Philadelphia, PA
First Acceptance $162 $1,949 Philadelphia, PA
Progressive $188 $2,252 Philadelphia, PA
Gainsco $203 $2,433 Philadelphia, PA
Embark General $203 $2,441 Philadelphia, PA
Kemper $207 $2,478 Philadelphia, PA
Clearcover $210 $2,517 Philadelphia, PA
Bristol West $212 $2,547 Philadelphia, PA
Last Updated Apr 14, 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
Assurance America $262 $3,144 Philadelphia, PA
Progressive $336 $4,033 Philadelphia, PA
Safeco $384 $4,612 Philadelphia, PA
Gainsco $425 $5,100 Philadelphia, PA
National General $427 $5,118 Philadelphia, PA
AAA $432 $5,182 Philadelphia, PA
First Acceptance $446 $5,350 Philadelphia, PA
Root $455 $5,466 Philadelphia, PA
Dairyland $489 $5,866 Philadelphia, PA
Clearcover $511 $6,129 Philadelphia, PA
Last Updated Apr 14, 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 $488 $5,856 Philadelphia, PA
21-24 $407 $4,882 Philadelphia, PA
Last Updated Apr 14, 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
First Acceptance $273 $3,277 Philadelphia, PA
Dairyland $297 $3,562 Philadelphia, PA
Embark General $308 $3,699 Philadelphia, PA
Root $334 $4,003 Philadelphia, PA
Progressive $384 $4,605 Philadelphia, PA
Last Updated Apr 14, 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 $482 $5,780 Philadelphia, PA
AAA $498 $5,974 Philadelphia, PA
Embark General $695 $8,340 Philadelphia, PA
First Acceptance $841 $10,087 Philadelphia, PA
Progressive $868 $10,411 Philadelphia, PA
Last Updated Apr 14, 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 $330 $3,959 Philadelphia, PA
35-44 $280 $3,359 Philadelphia, PA
45-54 $292 $3,507 Philadelphia, PA
Last Updated Apr 14, 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
First Acceptance $126 $1,509 Philadelphia, PA
Dairyland $131 $1,574 Philadelphia, PA
Infinity $146 $1,750 Philadelphia, PA
Bristol West $158 $1,890 Philadelphia, PA
Last Updated Apr 14, 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 $312 $3,739 Philadelphia, PA
Dairyland $367 $4,409 Philadelphia, PA
Root $416 $4,996 Philadelphia, PA
Gainsco $439 $5,269 Philadelphia, PA
Embark General $487 $5,846 Philadelphia, PA
Safeco $490 $5,881 Philadelphia, PA
First Acceptance $503 $6,041 Philadelphia, PA
Bristol West $505 $6,055 Philadelphia, PA
Infinity $743 $8,916 Philadelphia, PA
The General $787 $9,446 Philadelphia, PA
Last Updated Apr 14, 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 $265 $3,179 Philadelphia, PA
65+ $286 $3,429 Philadelphia, PA
Last Updated Apr 14, 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 $93 $1,120 Philadelphia, PA
Dairyland $113 $1,360 Philadelphia, PA
First Acceptance $114 $1,362 Philadelphia, PA
Bristol West $123 $1,473 Philadelphia, PA
The General $142 $1,704 Philadelphia, PA
Last Updated Apr 14, 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 $279 $3,350 Philadelphia, PA
Gainsco $307 $3,680 Philadelphia, PA
Progressive $380 $4,562 Philadelphia, PA
Root $411 $4,937 Philadelphia, PA
The General $479 $5,746 Philadelphia, PA
First Acceptance $494 $5,926 Philadelphia, PA
Bristol West $530 $6,363 Philadelphia, PA
Dairyland $674 $8,083 Philadelphia, PA
Embark General $709 $8,508 Philadelphia, PA
Last Updated Apr 15, 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
$281 $3,372 Philadelphia, PA
Last Updated Apr 14, 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
Progressive $194 $2,331 Philadelphia, PA
Dairyland $237 $2,842 Philadelphia, PA
First Acceptance $265 $3,181 Philadelphia, PA
National General $270 $3,241 Philadelphia, PA
Gainsco $274 $3,293 Philadelphia, PA
Embark General $285 $3,420 Philadelphia, PA
Safeco $301 $3,616 Philadelphia, PA
Bristol West $312 $3,740 Philadelphia, PA
Infinity $328 $3,933 Philadelphia, PA
Last Updated Apr 14, 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 $319 $3,832 Philadelphia, PA
660-750 $327 $3,918 Philadelphia, PA
<550 $325 $3,895 Philadelphia, PA
750+ $260 $3,118 Philadelphia, PA
Last Updated Apr 14, 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
Progressive <550 $268 $3,212 Philadelphia, PA
Dairyland <550 $273 $3,275 Philadelphia, PA
First Acceptance <550 $278 $3,334 Philadelphia, PA
Gainsco <550 $296 $3,557 Philadelphia, PA
Last Updated Apr 14, 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 $324 $3,884 Philadelphia, PA
At Fault With No Injury $375 $4,503 Philadelphia, PA
Not At Fault $316 $3,797 Philadelphia, PA
Last Updated Apr 14, 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 $291 $3,487 Philadelphia, PA
First Acceptance $312 $3,747 Philadelphia, PA
Safeco $325 $3,894 Philadelphia, PA
Last Updated Apr 14, 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 $114 $1,364 Philadelphia, PA
First Acceptance $143 $1,720 Philadelphia, PA
Progressive $250 $2,999 Philadelphia, PA
Gainsco $255 $3,055 Philadelphia, PA
Dairyland $255 $3,063 Philadelphia, PA
Last Updated Apr 14, 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 $341 $4,092 Philadelphia, PA
Speeding under 15 $258 $3,093 Philadelphia, PA
Last Updated Apr 14, 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
Dairyland $189 $2,270 Philadelphia, PA
Progressive $230 $2,760 Philadelphia, PA
Embark General $244 $2,928 Philadelphia, PA
Infinity $256 $3,073 Philadelphia, PA
First Acceptance $268 $3,211 Philadelphia, PA
Gainsco $271 $3,251 Philadelphia, PA
Safeco $317 $3,803 Philadelphia, PA
Bristol West $356 $4,266 Philadelphia, PA
The General $408 $4,900 Philadelphia, PA
Last Updated Apr 14, 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 Apr 15, 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 Apr 15, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within 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 and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds 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.