Best Car Insurance in Philadelphia 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Philadelphia.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
June 10, 2021Mercury Monterey1915036Safeco$119/mo.$68/mo.
January 8, 2021Buick Lacrosse Touring1913853ClearCover$130/mo.$103/mo.
July 8, 2021Kia Telluride S1912838Progressive$150/mo.$104/mo.
March 14, 2021Toyota Camry SE1912162Progressive$316/mo.$159/mo.
March 29, 2021Volkswagen Jetta S1912530Progressive$295/mo.$171/mo.
Here’s more information about what impacts the insurance rates in your Philadelphia.

How much does car insurance cost in Philadelphia?

Car insurance in Philadelphia, Pennsylvania costs single-car drivers an average of $3,572 annually, or about $298 per month. Compared to the state annual average of $2,723, auto insurance in Philadelphia is $849 higher higher.
Philadelphia is one of the largest cities in Pennsylvania and is home to the Liberty Bell, the Rocky statue, and famous cheesesteaks. The City of Brotherly Love also has a dense population, busy traffic, lots of tourists, and frequent car accidents—all of which make finding cheap car insurance difficult.
Thankfully, the car insurance comparison app Jerry takes care of finding and comparing quotes so that you don’t have to. Jerry searches up to 50 top insurance companies for the best rates—and as a licensed broker, Jerry also handles the paperwork and phone calls once you make your pick to ensure the entire process is hassle-free.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
National Average$3,223$2,143$3,086$1,764$3,423$2,486
PhiladelphiaNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Choosing a carrier in Philadelphia

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
With so many different insurance providers serving the state of Pennsylvania, drivers in Philly are spoiled for choice.
State Farm and Nationwide are two of the biggest carriers in the country and are popular among drivers in Philadelphia.
Erie is a Pennsylvania-based insurance company that’s also popular among drivers here, offering good rates, reliable customer service, and various discount options.
The right insurer for you will vary depending on your demographics, vehicle, driving history, and more. Jerry can help you quickly compare rates to find you the most affordable policy with the coverage you need.
Here’s what drivers in Philadelphia paid with various insurance companies before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Kemper$4,800$2,484Compare Prices
State Auto$3,033$2,003Compare Prices
Dairyland$3,419$1,341Compare Prices
National General$4,124$1,260Compare Prices
Progressive$3,187$983Compare Prices
Travelers$2,916$934Compare Prices
Safeco$2,706$891Compare Prices
Allstate$4,787$709Compare Prices
Nationwide$3,190$436Compare Prices
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What kind of car insurance you need in Philadelphia

In Philadelphia, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Philadelphia, drivers must demonstrate financial responsibility to hit the road through a car insurance policy with at least the following:
Pennsylvania law also requires motorists to carry a minimum of $5,000 in medical benefits. This coverage pays any medical bills for you and others covered by your policy, even if you were not at fault in the accident.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Liability is the basic coverage that shields the other driver in an at-fault accident, but it doesn’t cover your costs—and that can be a hefty bill to pay out of pocket.
That’s why it’s a good idea to purchase more than just the state-mandated minimum coverage. Here are some recommended options for drivers in Philadelphia:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceThis covers any vehicle damages obtained in a collision with another car or other property.
Uninsured driversUninsured/underinsured motorist coverageThis policy covers property damage, medical bills, and more if you’re in an accident with an underinsured driver.
High population densityAccident forgivenessBusy Philly roads mean a higher chance for accidents. Accident forgiveness will prevent your insurance rates from jumping after your first at-fault incident.
City roadsRoadside assistanceCity roads are notoriously bad for debris like nails and scrap metal. Get roadside assistance for when you need a tow truck, a tire change, another car key, a jumpstart, and more.
Severe weatherComprehensive coverageLike the rest of Pennsylvania, Philadelphia experienced winter storms and spring flooding. Comprehensive insurance pays for damage to your vehicle that isn’t the result of a collision, like natural disasters.

What determines your car insurance cost in Philadelphia

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Philadelphia, you could be paying as much as $35 more per month than an adult driver. These are average rates for Jerry customers in Philadelphia broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Philadelphia with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,630$1,225
Failure to Obey Traffic Sign$4,499$1,657
Improper Passing$3,642$1,346
Speeding over 15$5,398$1,287
Speeding under 15$3,853$880
Driving on Sus. License$4,888$578
Careless Driving$3,048$108
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Where in Philadelphia you live

It may seem like insurance rates in Philadelphia should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Philadelphia, residents of 19149, 19126, 19142, 19136 and 19144 will have the most expensive car insurance rates, while people who live in 19106, 19130, 19147, 19148 and 19107 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Philadelphia:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
August 24, 202119147Nissan Rogue SPA70Travelers$114/mo.$76/mo.
October 15, 202119104Nissan Rogue SPA48Progressive$163/mo.$100/mo.
September 4, 202119141Chevrolet Traverse LTPA33National General$241/mo.$107/mo.
October 8, 202119152Chevrolet Express G2500PA44Safeco$212/mo.$119/mo.
August 23, 202119154Ram 1500 SLTPA26Nationwide$279/mo.$142/mo.
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Why is car insurance in Philadelphia so expensive?

A variety of considerations determine baseline car insurance rates in Philadelphia. Insurance companies often consider the following:

High accident rates

With over 1.5 million residents, Philadelphia is busy. Between locals and tourists, your chances of getting into an accident are pretty good—and your insurance rates will reflect this.

Inclement weather

Philadelphia experiences harsh winter storms and spring flooding each year, both of which can wreak havoc on the roads and lead to an increase in claims.

No-fault state

Pennsylvania’s no-fault status means every driver must file a claim on their insurance when they’re in an accident. When there’s a higher chance of you filing a claim, your rates go up.

How can you save money on car insurance in Philadelphia?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

When it comes to saving money on car insurance, discounts are a great option. In Philadelphia, common discounts include:
Customer loyaltyPurchasing multiple types of insurance from a single insurance provider—also known as bundling—is an easy way to save on each policy.
UsageSome companies offer a telematics program that tracks your driving habits and rewards you with discounts for safe behaviors.
Driver affiliationInsurance companies often have rate cuts for those involved in the military or a professional or academic organization.
Good studentStudents under 25 may get insurance discounts with proof of a high GPA.
Safe driving recordIndividuals with a clean driving history will experience lower rates and may be eligible for discounts.
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