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 $3,476.07 annually, or about $289.67 per month. Compared to the state annual average of $2,564.69, auto insurance in Philadelphia is $911.38 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
December 5, 2020Toyota Highlander LimitedPA60State AutoPredicted$216/mo.$70/mo.
June 10, 2021Volvo Xc90 3.2PA34ProgressiveCustom$110/mo.$72/mo.
June 11, 2021Volvo Xc90 3.2PA34AaaCustom$110/mo.$74/mo.
May 29, 2021Lexus RX 350PA55National GeneralPredicted$200/mo.$103/mo.
May 27, 2021Subaru Impreza PremiumPA42Plymouth RockPredicted$256/mo.$103/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
Kemper
$2,810$1,487
Nationwide$2,478$1,542
State Auto
$2,383$1,605
Dairyland
$2,828$1,726
Travelers$2,576$1,833
Safeco$2,897$1,883
Clearcover
$3,055$1,900
National General
$3,061$2,038
Allstate$3,128$2,120

Minimum coverage car insurance in Philadelphia

On average, the cost of minimum coverage car insurance in Philadelphia is $2,916.58 per year, or $243.05 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
$2,683$1,584
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
Nationwide$1,524$828
Allstate$2,100$1,023
Progressive$2,963$1,767
State Auto
$3,007$2,228
Dairyland
$3,628$2,347
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
$3,536$2,852
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Kemper
$4,941$1,983
Safeco$2,400$2,056
Progressive$3,818$2,659
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 $35.37 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$4,396$3,279
21-24$3,823$2,568
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$3,524$2,363
35-44$3,376$2,275
45-54$3,541$2,264
55-64$3,010$1,758
65+$2,491$1,927
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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$3,112$1,798
Speeding under 15$3,736$2,044
Failure to Obey Traffic Sign$3,492$3,300
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
$2,826$1,601
Kemper
$5,093$2,131
Dairyland
$3,545$2,237
Progressive$3,381$2,253
Nationwide$3,590$2,333
Safeco$3,460$2,428
Travelers$3,601$2,684
Allstate$3,813$2,745
National General
$4,386$3,077

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$2,012
Speeding under 15$4,620$2,148
Failure to Obey Traffic Sign$3,492$3,300
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
Progressive$3,915$2,658
Safeco$3,848$2,677
Nationwide$4,108$3,065
Travelers$3,600$3,424
National General
$3,864$3,645
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.
December 5, 2020Toyota Highlander LimitedPA60State AutoPredicted$216/mo.$70/mo.
November 5, 2020Honda Accord Crosstour EXLPA35MetlifeCustom$252/mo.$124/mo.
May 27, 2021Mitsubishi Outlander SEPA45Bristol WestCurrent$287/mo.$175/mo.
May 27, 2021Honda Accord EXPA22ClearcoverCurrent$242/mo.$135/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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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

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