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Best cheap car insurance in Philadelphia for 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Philadelphia
Finding the best car insurance in the City of Brotherly Love can be a challenge — but it's not impossible to find affordable coverage that matches your needs. Our insurance editorial team looked at average rates for a broad range of companies, sourced from Quadrant Information Services, to help us understand who was offering the cheapest rates in the city. This helped us narrow down our search for the best cheap auto insurance in Philadelphia.
But we did more than just that. We also looked at ratings from AM Best, which analyzes financial strength, and J.D. Power, which takes a close look at customer satisfaction. We reviewed coverage options and available discounts, as well as how easy it is to do business digitally with each company. Based on our cumulative data, we assigned a Bankrate Score of 0.0 to 5.0 to help you make the best decision for your own insurance coverage.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Progressive made our list: With a high Bankrate Score and some of the lowest average rates in our analysis, Progressive ranks among the best auto insurers for many Philadelphia drivers. Progressive offers standard coverage options along with some less common add-ons like custom parts and equipment coverage, rideshare coverage and pet injury coverage. A long list of discounts and the Name Your Price tool may help customers fit their car insurance to their budget.
Why Progressive may be best for digital tools: Progressive ranked first in the industry for digital service according to J.D. Power’s 2024 U.S. Insurance Digital Experience Study, scoring a whole 20 satisfaction points above the next-highest carrier. In addition to its popular Snapshot mobile telematics program, Progressive’s mobile app allows policyholders to access policy information, make payments, file claims, summon roadside assistance and more. If you’re looking for car insurance you can manage from your phone, you may want to get a quote from Progressive.
| Bankrate Score | 4.4 |
| J.D. Power | 625/1,000 |
| AM Best Rating | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: Geico won the 2025 Bankrate Award for Best Auto Insurance Company for High-Risk Drivers, but that’s not the only demographic that Geico is potentially good for. With a focus on digital policies, younger and new drivers, military customers and simple, affordable coverage, Geico may be a good option for anyone seeking a no-frills policy with low premiums. However, Geico received a below-average customer satisfaction score from J.D. Power in the 2024 U.S. Auto Insurance Study in the Mid-Atlantic region.
Why Geico may be best for full coverage: In our analysis of average premium data, Geico’s rates for full coverage car insurance were significantly lower than the competition. If you’re looking for better financial protection for your vehicle — or if your lender requires you to carry full coverage — Geico may be the most affordable way to get it. Be aware, though, that Geico doesn’t offer some popular full coverage add-ons, including gap insurance.
| Bankrate Score | 4.3 |
| J.D. Power | 643/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Auto-Owners made our list: Auto-Owners won the 2025 Bankrate Award for Best Budget Auto Insurance Company and Best Auto Insurance Company for Young Drivers. Working with a network of local agents, Auto-Owners offers affordable rates for minimum and full coverage, with a wider selection of add-on coverage options than Geico. Auto-Owners also scored above the industry average for claims satisfaction in the 2024 J.D. Power U.S. Property Claims Satisfaction Study. However, Auto-Owners’ network of local agents doesn’t extend to the Philadelphia metro area, and its digital experience ratings from J.D. Power are considerably below the industry average.
Why Auto-Owners may be best for discounts: In addition to competitively low base rates, Auto-Owners offers a generous list of auto insurance discounts to help customers save. Common discounts include multi-policy discounts for drivers who also purchase home or life insurance, favorable loss history discounts and multi-car discounts. Auto-Owners also offers discounts for drivers who opt for paperless billing, drivers who pay their premium in full and make timely payments for at least 36 months and for young drivers who meet certain eligibility requirements.
| Bankrate Score | 4.3 |
| J.D. Power | |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why USAA made our list: Low rates and stellar customer satisfaction scores set USAA apart from the competition in Philadelphia, but there’s a catch: membership is only available to US military members, veterans and their spouses and children. For those who qualify, auto insurance from USAA may be an ideal option: the carrier scored higher than any other insurer in the Mid-Atlantic region in the 2025 J.D. Power U.S. Auto Insurance Study, although it should be noted the carrier is not officially eligible for ranking with J.D. Power due to eligibility restrictions.
Why USAA may be best for military-focused coverage: USAA’s auto insurance is geared toward the needs of military drivers, with affordable rates and unique discounts. For instance, vehicles garaged on a military installation are eligible for up to 15 percent off comprehensive coverage, while a vehicle stored during deployment could get a 60 percent discount. For USAA families, the MyUSAA Legacy discount can pass on savings of 10 percent to children of USAA customers when they get their own auto insurance.
| Bankrate Score | 4.3 |
| J.D. Power | 743/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Erie made our list: While Erie’s limited regional availability lowered its overall Bankrate Score, it’s among the most attractive options for drivers in the regions it covers — including Philadelphia. Erie ranked second for customer satisfaction in the Mid-Atlantic region in the 2025 J.D. Power Auto Insurance Study and third nationally for claims satisfaction. Erie’s excellent customer service comes with robust coverage options, including the Erie Auto Plus full coverage package, and affordable rates that may be eligible for Erie’s Rate Lock.
Why Erie may be best for local agents: If you prefer to do business in person with an agent who knows your area, Erie may be a good choice. The company works with a network of over 20 local agents in Philadelphia, giving you access to regional expertise and personalized support.
| Bankrate Score | 4.1 |
| J.D. Power | 706/1,000 |
| AM Best Rating | A+ |
The Bankrate Promise
Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
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34.5K
ZIP codes examined
120
carriers reviewed
The cheapest car insurance companies in Philadelphia
If price is the primary factor in your insurance shopping process, you may want to request quotes from Auto-Owners, Geico and Progressive. According to Bankrate’s research, these are the three cheapest car insurance companies in Philadelphia for state minimum coverage — the cheapest type of policy that satisfies Pennsylvania insurance requirements. However, these three carriers may not be cheapest for everyone. The table below compares rates from more cheap car insurance companies in the Philadelphia area.
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|
|
|
|---|---|---|
|
$280
|
$1,370
|
|
|
$558
|
$1,843
|
|
|
$830
|
$2,442
|
|
|
$646
|
$3,367
|
|
|
$714
|
$3,665
|
How much is car insurance in Philadelphia, Pennsylvania?
The average cost of car insurance in Philadelphia, Pennsylvania is $4,095 per year, or $341 per month, for full coverage insurance and $905 per year, or $75 per month, for minimum coverage. That’s 71 percent more than the Pennsylvania average of $2,386 per year for full coverage and 53 percent more than the national average.
However, the averages shown above represent average costs for 40-year-old drivers with clean records. If that’s not you, your age or your driving record — or any of the other rating factors that impact car insurance pricing — you will likely pay a different rate for auto insurance in Philadelphia. We’ll break down age and driving record, two of the most important rating factors, below.
Philadelphia rates for teens
Teen drivers represent one of the highest risk groups for insurance companies. Their lack of driving experience translates to a statistically higher rate of accidents and violations, which can generate costs for insurers. As a result, Philadelphia teens pay some of the highest rates for insurance — but staying on your parents' policy can diffuse some of the risk (and high costs) of teen car insurance.
On average, an 18-year-old driver in Philadelphia pays $9,258 per year for full coverage insurance. Included on a family policy with both parents, the total average cost of coverage is $7,084 per year.
|
|
|
|
|---|---|---|
|
$644
|
$520
|
|
|
$1,120
|
$979
|
|
|
$1,437
|
$1,338
|
|
|
$1,545
|
$1,350
|
|
|
$1,553
|
$1,305
|
|
|
|
|
|---|---|---|
|
$2,587
|
$2,316
|
|
|
$3,684
|
$3,234
|
|
|
$3,906
|
$3,688
|
|
|
$5,886
|
$5,190
|
|
|
$7,193
|
$5,760
|
Philadelphia rates for young drivers
As drivers move into their twenties, the cost of car insurance typically begins to drop, with the most significant decrease after age 25. On average, 25-year-olds in Philadelphia pay $5,036 per year for full coverage, compared to $7,922 at age 20.
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|
|
|
|---|---|---|
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$651
|
$289
|
|
|
$1,133
|
$648
|
|
|
$1,276
|
$929
|
|
|
$1,325
|
$882
|
|
|
$1,362
|
$822
|
|
|
|
|
|---|---|---|
|
$3,456
|
$1,597
|
|
|
$3,989
|
$2,288
|
|
|
$5,687
|
$4,340
|
|
|
$6,173
|
$3,018
|
|
|
$6,429
|
$4,700
|
Philadelphia rates for adults
In adulthood, car insurance rates typically stabilize for drivers with clean records. On average, Philadelphia drivers pay about $4,423 for full coverage at age 30, $4,095 at age 40 and $3,806 at age 50.
|
|
|
|
|
|---|---|---|---|
|
$261
|
$280
|
$291
|
|
|
$558
|
$558
|
$554
|
|
|
$718
|
$660
|
$625
|
|
|
$719
|
$646
|
$607
|
|
|
$781
|
$764
|
$746
|
|
|
|
|
|
|---|---|---|---|
|
$1,363
|
$1,370
|
$1,359
|
|
|
$1,907
|
$1,843
|
$1,793
|
|
|
$2,621
|
$2,442
|
$2,261
|
|
|
$3,801
|
$3,367
|
$3,024
|
|
|
$3,823
|
$3,823
|
$3,332
|
Philadelphia rates for senior drivers
Senior drivers may have lower car insurance costs than other adults thanks to a lifetime of driving experience. However, increased vulnerability to age-related health concerns, such as diminished eyesight and slower reaction times, may prompt insurers to raise rates as drivers enter their seventies. The average annual full coverage premium for 60-year-old Philadelphia drivers is $3,694, while 70-year-olds pay an average of $3,966.
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|
|
|
|---|---|---|
|
$305
|
$373
|
|
|
$565
|
$603
|
|
|
$596
|
$636
|
|
|
$614
|
$699
|
|
|
$630
|
$763
|
|
|
|
|
|---|---|---|
|
$305
|
$1,500
|
|
|
$565
|
$1,958
|
|
|
$744
|
$2,305
|
|
|
$596
|
$2,982
|
|
|
$614
|
$3,591
|
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance in Philadelphia by driving record
Insurance companies look at your driving record when setting premiums to determine your risk of filing a claim. Drivers with clean records generally pay the lowest rates, all other factors being equal, but various driving violations and accidents can affect your rate differently depending on your carrier.
Car insurance with a speeding ticket in Philadelphia
A Pennsylvania speeding ticket conviction can raise your car insurance rates significantly. Philadelphia drivers with a single speeding ticket pay $4,734 per year for full coverage, on average — that's 16 percent more than drivers with clean records.
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|---|---|---|
|
$295
|
$1,442
|
|
|
$685
|
$2,357
|
|
|
$713
|
$3,671
|
|
|
$738
|
$4,503
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|
|
$763
|
$3,850
|
Car insurance after an accident in Philadelphia
Car insurance rates tend to increase after an at-fault accident. On average, Philadelphia drivers with a single at-fault accident on their driving record pay 24 percent more for full coverage than drivers with clean records, for an annual total of $5,329. In some cases, an accident where you weren’t at fault can also cause your rates to go up, typically by a smaller amount.
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|
|
|
|---|---|---|
|
$280
|
$1,370
|
|
|
$588
|
$1,970
|
|
|
$658
|
$3,473
|
|
|
$765
|
$3,786
|
|
|
$786
|
$3,935
|
Car insurance after a DUI in Philadelphia
Under Pennsylvania’s DUI laws, a single DUI conviction carries severe penalties, including a $300 fine, up to six months probation, alcohol highway safety school, a one-year ignition interlock device requirement and an ungraded misdemeanor charge. More than one conviction carries even higher penalties. A DUI will also raise your insurance rates. On average, Philadelphia drivers with a single DUI conviction on their record pay $7,084 per year for full coverage and $1,577 for state minimum coverage. That’s 73 percent more and 74 percent more, respectively, than drivers with clean records.
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|
|
|
|---|---|---|
|
$589
|
$2,332
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|
|
$738
|
$4,061
|
|
|
$1,029
|
$3,823
|
|
|
$1,174
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$6,792
|
|
|
$1,280
|
$4,607
|
Minimum coverage requirements in Philadelphia
Driving without insurance in Pennsylvania is illegal and can carry serious legal and financial consequences. In Philadelphia, all drivers must abide by the requirements of Pennsylvania’s car insurance laws, which include:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
- $5,000 personal injury protection (PIP)
In Pennsylvania, personal injury protection is typically called First Party Benefit (FPB) coverage. You’ll also be offered uninsured and underinsured motorist coverage, but you can decline these options in writing and stay in compliance with the law. However, most insurance professionals advise taking at least the minimum coverage offered and raising your liability limits if possible.
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
