Other factors that determine your Philadelphia auto insurance rates
Not every insurer will provide you with the same quote—each company uses different calculations to determine your rates based on combined risk factors.
Age
Most providers use age to measure your overall risk. Those who are over the age of 25 typically see the lowest rates.
In addition to your age, certain life changes, such as getting married or purchasing your first home, can also change your rates.
Driving history
Your Philadelphia driving record will have one of the biggest impacts on your average rate as it measures your responsibility as a driver. At-fault accidents and violations, whether it’s a speeding ticket or a DUI, can raise your coverage exponentially and make it difficult to find insurance.
Average rate increase after an at-fault accident: 48%
Average rate increase after a speeding ticket: 28%
Average rate increase after a DUI: 47%
Track your driving with Jerry to improve your safe driving instincts and qualify for potential insurance discounts.
Credit score
The state of Pennsylvania allows insurance companies to use your credit score as a determining factor when calculating your premiums. Keep in mind that this can be used to estimate your rate, but not increase them in PA.
Here’s how major insurance providers in Philadelphia use your credit information to decide your rates:
| % increase from excellent to fair credit | % increase from fair to poor credit | % increase from excellent to poor credit |
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Insurance history
If you have several claims with a previous provider, or your current insurer, this could also lead to higher rates. So will any lapse in your coverage
. When you search for auto insurance quotes or renew your policy, your car insurance provider will check your motor vehicle report (MVR) for any claims made in the last seven years. These will be taken into account when calculating your premiums.
To keep your rates low, make sure to have continuous coverage and choose when to file—and not file—a claim.
FAQs
What is the minimum car insurance in Philadelphia?
Drivers in Philadelphia are required to follow the state minimum amounts for Pennsylvania. This includes: $15,000 per person/$30,000 per accident in bodily injury liability insurance, $5,000 per accident in property damage liability insurance, and $15,000/$30,000 in uninsured motorist, which can be declined in writing.
At what age is car insurance cheapest?
Car insurance is generally the cheapest for senior drivers in their 50s and 60s in Philadelphia.
Who typically has the cheapest car insurance?
In Philadelphia, some of the cheapest car insurance companies include Progressive, Allstate, and State Farm.
How much does it cost to insure a car in Philadelphia?
On average, drivers in Pennsylvania pay around $761 per year for the state minimum amount, and $2,062 for full coverage. However, these costs may vary depending on your driver profile.
Why is Philadelphia car insurance so expensive?
Aside from inflation and supply chain shortages, Philadelphia drivers live in one of the most populated cities in Pennsylvania. The high population density can contribute to more filed claims for theft and vandalism, as well as collisions.
What is the cheapest time to insure a car?
The best time to switch providers or shop for car insurance is 20–26 days before renewal to avoid a lapse in coverage.
Is it illegal to drive without insurance in Philadelphia?
Yes, it is illegal to drive without at least the state minimum car insurance in Philadelphia. Drivers who are caught without proof of insurance will face the appropriate fines and penalties.