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Who Has the Cheapest Car Insurance Quotes in Philadelphia PA?


 


What's the average cost of car insurance in Philadelphia PA?

Car Insurance Costs: Philadelphia vs. Pennsylvania vs. National Averages

If you suspected that car insurance in Philadelphia is more expensive than average, then you were onto something. The premiums in Philadelphia exceed the state average by approximately $672. This is why saving as much as you can on car insurance is such a big deal because it is fairly pricey already. Going over some tips about how to save on Philadelphia PA car insurance below can optimize how you save your money.

Finding the Cheapest Car Insurance Companies in Philadelphia PA in Your Neighborhood

It's a sensible thing to ask yourself where you can find the best car insurance rates across the entire Philadelphia area. It's also a good practice to compare what you pay to the state average. The average annual cost of car insurance in Philadelphia PA is $2093. But there can be a lot of leeway in this. Rates can have a difference of up to $1963 per year from the least to the most expensive companies.

Erie is the insurer that offered the cheapest quote at $1200 a year. This is 62% cheaper than Sentry, the company we found to be the most expensive in Philadelphia. Other good options to be chosen in Philadelphia PA were General Casualty and Harleysville. Knowing just how different rates can be is a great incentive to get you to start saving on your rates.

How to Save on Car Insurance in Philadelphia?

Expensive Philadelphia Zip Codes
# ZIP code Average Rate
1 19132 $3189
2 19139 $3169
3 19140 $3127
4 19133 $3123
5 19126 $3110
Cheap Philadelphia Zip Codes
# ZIP code Average Rate
1 19128 $2202
2 19118 $2208
3 19113 $2215
4 19092 $2311
5 19093 $2311

Philadelphia Car Insurance Rates by ZIP Code

Just as which state you live in impacts your insurance rates, so too does the specific area you live in Philadelphia. This is because many factors such as theft, uninsured drivers and other kinds of crime are taken into account and measured based on zip code. If you happen to live in a region where accidents or DUIs are more likely to happen, your insurers could see you as a potentially higher risk. And as we all know, higher risk means higher prices.

In this regard, Philadelphia is unfortunately no different. These are the five least and most pricey ZIP codes for car insurance in Philadelphia PA.

The zip codes 19128 and 19132 have a rising difference of premiums by 45%, or a whopping $987.

Philadelphia Car Insurance Rates by Gender and Marital Status

Your gender and your marital status are two of the several characteristics that have an influence on your car insurance rates in Philadelphia. This is simply due to the fact that insurance is based off of liability and risk. People who are single and/or are male are considered bigger risk factors because they are the groups more likely to either get into accidents or commit felonies. As a result, being single can cost up to $126 more per year compared to being married, and being a man can typically cost up to $1206 more per year in Philadelphia PA as opposed to being a woman.

Philadelphia Teenagers Car Insurance Rates

Younger and inexperienced drivers pay the most in car insurance rates by far, and Philadelphia PA is no exception to that rule. Due to the risk associated with drivers lacking experience, teenagers tend to pay $4938 a year for insurance on average. This is far higher than the state average of $1604, and $2662 higher than Philadelphia' average. When gender is taken into account the difference between male and female teens in Philadelphia PA is $615.

The effect of DUIs on insurance premiums in Philadelphia PA

Having a criminal record can have a very negative impact on your insurance. For example, if you are caught driving under the influence in Philadelphia then your car insurance premium will increase much more than for other violations. Being convicted of an alcohol-related offense can increase your insurance costs from $2276 all the way up to $4233. That means that on average the cost for conviction in Philadelphia PA can be an increase of $1957.

Minimum Insurance Requirements in Philadelphia PA

Philadelphia drivers need to have the state mandated liability insurance plan just like all vehicle owners in the state of Pennsylvania. The minimum is listed as 15/30/5. Here's an explanation on this rule:

The "15" in 15/30/5 means that you are the one responsible for any incident which has caused bodily harm to another person. That means you are eligible for up to $15,000 of medical expenses for one other person injured by you.

The "30" in 15/30/5 means that if several people were injured in an accident that you were the cause of then up to $30,000 will be allotted to the injured people in question.

Finally, the "5" in 15/30/5 means that if you damage another person's car or property then a maximum of $5,000 will be handed out.

Please always remember that these values are state-required minimums. If you are considered at fault for an accident where expenses exceed these costs then you will have to pay out of pocket. Paying for more expensive and higher coverage limits on your auto insurance – for example, 150/300/100 – can help avoid this.

 

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Find Local Philadelphia Agents

Cohen Partners

1601 Walnut St Ste 522, Philadelphia, PA 19102

Steffey Insurance Agency

230 S Broad St Ste Fl 17, Philadelphia, PA 19102

Meridian Solutions

1701 Walnut St, Philadelphia, PA 19103

Philadelphia in Brief

  • $2276

    the average Philadelphia resident's annual cost of coverage

  • $910

    our customer's average savings after comparing insurance

  • Erie

    offers the most affordable rates, based on our analysis

Zip Codes We Serve

19019, 19050, 19082, 19092, 19093, 19099, 19101, 19102, 19103, 19104, 19105, 19106, 19107, 19108, 19109, 19110, 19111, 19112, 19114, 19115, 19116, 19118, 19119, 19120, 19121, 19122, 19123, 19124, 19125, 19126, 19127, 19128, 19129, 19130, 19131, 19132, 19133, 19134, 19135, 19136, 19137, 19138, 19139, 19140, 19141, 19142, 19143, 19144, 19145, 19146, 19147, 19148, 19149, 19150, 19151, 19152, 19153, 19154, 19155, 19160, 19161, 19162, 19170, 19171, 19172, 19173, 19175, 19176, 19177, 19178, 19179, 19181, 19182, 19183, 19184, 19185, 19187, 19188, 19190, 19191, 19192, 19193, 19194, 19195, 19196, 19197, 19244, 19255

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