Best Car Insurance in Philadelphia 2021

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  • Real Quotes
  • Best Carriers
  • Minimum Coverage
  • Full Coverage
  • Cost by Age
  • Bad Driving Record
  • Young Drivers Bad Driving Record
  • Save Money
  • Cost by Zip Code
  • Methodology
Car insurance in Philadelphia Pennsylvania costs single-car drivers an average of $3,470 annually, or about $289 per month. Compared to the state annual average of $2,581, auto insurance in Philadelphia is $890 higher.
Here’s how much real Jerry customers pay for insurance in Philadelphia:

Real quotes for Jerry customers in Philadelphia, Pennsylvania

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
June 18, 2021Hyundai Sonata SEPA35Bristol WestBasic$273/mo.$130/mo.
March 27, 2021Honda Accord EXLPA39TravelersStandard$230/mo.$205/mo.
December 28, 2020Toyota Camry XLEPA38KemperPreferred$255/mo.$216/mo.
July 21, 2021Chevrolet Traverse LSPA30AAACustom$254/mo.$222/mo.
June 3, 2021Subaru Impreza 2.5I PremiumPA21SafecoCustom$285/mo.$233/mo.
The best way to secure the right plan for lower premiums in Philadelphia is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inPhiladelphia have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Philadelphia, Pennsylvania

Insurance Company
Before Jerry
After Jerry
Nationwide$2,439$1,555
State Auto$2,315$1,607
Dairyland$3,341$1,695
Travelers$2,628$1,811
Safeco$2,892$1,876
Allstate$2,676$1,892
Kemper$3,414$1,919
National General$3,328$1,958

Minimum coverage car insurance in Philadelphia

On average, the cost of minimum coverage car insurance in Philadelphia is $2,924 per year, or $244 per month.

The minimum level of car insurance required in Philadelphia is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Philadelphia:
Before Jerry
After Jerry
$2,750$1,605
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Allstate$2,100$1,023
Progressive$2,920$1,764
Dairyland$3,569$2,335
National General$3,758$2,934
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Full coverage car insurance in Philadelphia

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:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Philadelphia:
Before Jerry
After Jerry
$3,518$2,768
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Safeco$1,764$1,344
Progressive$3,841$2,615
Kemper$3,060$2,658
Nationwide$3,907$2,916
Travelers$4,562$4,560
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How does your age affect your auto insurance cost in Philadelphia?

If you’re a driver under 25 in Philadelphia, you could be paying as much as $39 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Philadelphia saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$4,461$3,351
21-24$3,856$2,571
On the contrary, here’s how much drivers aged 25 and over in Philadelphia pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$3,490$2,390
35-44$3,399$2,264
45-54$3,612$2,317
55-64$3,183$1,820
65+$2,491$1,927

Cheapest car insurance for drivers in Philadelphia with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Philadelphia saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$3,107$1,790
Speeding under 15$3,471$2,187
Here’s how much drivers with a bad driving record in [Philadelphia saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
State Auto$1,957$1,359
Progressive$3,360$2,258
Dairyland$3,572$2,271
Safeco$3,513$2,430
Nationwide$4,042$2,544
Kemper$5,376$2,610
Allstate$3,812$2,778
Travelers$3,686$2,788
National General$4,242$3,133

Cheapest car insurance for young drivers in Philadelphia with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,416$1,985
Speeding under 15$4,620$2,148
Here’s how much young drivers with a bad driving record in [Philadelphia saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Dairyland$3,628$2,347
Safeco$3,882$2,665
Progressive$4,025$2,718
Nationwide$4,768$3,286
National General$4,007$3,725
Travelers$4,457$4,203
Allstate$4,440$4,254
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How can you save money on car insurance in Philadelphia

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Philadelphia you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
May 27, 2021Subaru Impreza PremiumPA42Plymouth RockPredicted$256/mo.$103/mo.
June 17, 2021Hyundai Sonata SEPA35DairylandBasic$273/mo.$126/mo.
December 5, 2020Toyota Highlander LimitedPA60State AutoPredicted$216/mo.$70/mo.
June 18, 2021Hyundai Sonata SEPA35Bristol WestBasic$273/mo.$130/mo.
November 5, 2020Honda Accord Crosstour EXLPA35MetlifeCustom$252/mo.$124/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.
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