Cheapest Car Insurance in Philadelphia (2024)
- Erie has the cheapest car insurance in Philadelphia for most drivers.
- State Farm has the cheapest quotes for drivers with a prior ticket or accident.
- Nationwide has Philadelphia’s cheapest auto insurance after a DUI.
Cheapest full-coverage car insurance in Philadelphia: Erie
USAA has the next-cheapest full-coverage car insurance quotes. However, only the military community and their families can buy car insurance from USAA.
Cheapest full-coverage car insurance quotes
| Company | Annual rate |
|---|---|
| Erie | $2,615 |
| State Farm | $2,711 |
| City average | $3,332 |
| Nationwide | $3,515 |
| Geico | $4,117 |
| Progressive | $4,226 |
| Allstate | $4,556 |
| USAA* | $2,688 |
Full-coverage car insurance includes collision and comprehensive coverage. State law requires neither, but you usually need both for a car loan or lease. They’re also worth having for any car worth more than a few thousand dollars.
Cheapest liability insurance in Philadelphia: Erie
Cheapest liability car insurance quotes
| Company | Annual rate |
|---|---|
| Erie | $875 |
| State Farm | $995 |
| City average | $1,084 |
| Nationwide | $1,140 |
| Progressive | $1,149 |
| Geico | $1,318 |
| Allstate | $1,658 |
| USAA* | $703 |
Liability auto insurance in Philadelphia covers injuries and damage you cause by others. It also includes $5,000 in state-required medical expense coverage.
Philadelphia auto insurance ratings comparison
Erie has a higher rating than State Farm for overall customer satisfaction by J.D. Power. However, State Farm has a better complaint rating than Erie from the National Association of Insurance Commissioners (NAIC).
Auto insurance company ratings
| Company | Satisfaction rating** | Complaint rating*** | LendingTree score |
|---|---|---|---|
| USAA* | 881 | 1.36 |  |
| Erie | 871 | 0.93 | |
| State Farm | 842 | 0.78 |  |
| Geico | 835 | 0.80 |  |
| Industry average | 835 | 1.0 | NA |
| Allstate | 824 | 0.71 |  |
| Progressive | 819 | 0.72 | |
| Nationwide | 815 | 0.83 | |
**Source: J.D. Power. Higher is better; 819 is average.
***Source: National Association of Insurance Commissioners (NAIC). Lower is better; 1.0 is average.
J.D. Power’s satisfaction scores are based on customer surveys. NAIC’s ratings track complaints that are confirmed with a finding of fault. An NAIC rating below 1.0 means a company has fewer confirmed complaints than average for its size. Lower scores are better.
Cheapest car insurance for young drivers in Philadelphia: Erie
Erie has the cheapest Philadelphia car insurance for teens. Its liability rates average $2,172 a year for 18-year-olds, or $181 a month. This is 20% less than the city average.
Erie’s full-coverage auto insurance quotes for teens average $6,240 a year, or $520 a month. This is 22% less than the city average.
Auto insurance rates for young drivers
| Company | Annual liability | Annual full coverage |
|---|---|---|
| Erie | $2,172 | $6,240 |
| Geico | $2,513 | $7,243 |
| City average | $2,715 | $7,969 |
| State Farm | $2,810 | $7,525 |
| Progressive | $3,058 | $12,386 |
| Nationwide | $3,161 | $9,676 |
| Allstate | $4,674 | $11,119 |
| USAA* | $1,273 | $4,699 |
Cheapest rates after a speeding ticket: State Farm
State Farm has Philadelphia’s cheapest auto insurance quotes for drivers with a speeding ticket. These rates average $2,912 a year for full coverage, or $243 a month. Erie is close behind with rates that average $246 a month.
A speeding ticket increases the average price of car insurance in Philadelphia by 17% to $324 a month.
Auto insurance rates after a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $2,912 |
| Erie | $2,958 |
| City average | $3,894 |
| Nationwide | $4,224 |
| Progressive | $4,226 |
| Allstate | $4,556 |
| Geico | $6,569 |
| USAA* | $3,013 |
Cheapest rates after an accident in Philadelphia: State Farm
State Farm has the cheapest car insurance for Philadelphia drivers with an at-fault accident. These rates average $2,711 a year for full coverage, or $226 a month. This is 38% less than the city average.
Erie is the next-cheapest company. It charges $246 a month, which is 9% higher than State Farm’s rate.
Car insurance rates after an accident
| Company | Annual rate |
|---|---|
| State Farm | $2,711 |
| Erie | $2,958 |
| Progressive | $4,226 |
| Allstate | $4,556 |
| City average | $4,373 |
| Nationwide | $5,856 |
| Geico | $7,875 |
| USAA* | $3,759 |
Cheapest for Philadelphia drivers with a DUI: Nationwide
Nationwide has the cheapest car insurance for Philadelphia drivers with a DUI (driving under the influence). The company charges an average of $4,224 a year for full coverage, or $352 a month.
Erie charges drivers 6% more for DUI insurance than Nationwide. But Erie has better customer service ratings.
Car insurance rates with a DUI
| Company | Annual rate |
|---|---|
| Nationwide | $4,224 |
| Erie | $4,475 |
| Allstate | $4,556 |
| City average | $4,677 |
| Progressive | $5,221 |
| Geico | $7,412 |
| USAA* | $3,624 |
Best rates for bad credit: Nationwide
Nationwide also has Philadelphia’s best auto insurance rates for drivers with bad credit. These rates average $4,900 a year for full coverage, or $408 a month. Nationwide’s rate on car insurance for bad credit is 28% less than the city average.
Philadelphia drivers with bad credit pay more than twice the average that drivers with good credit pay.
Cheapest auto insurance for drivers with bad credit
| Company | Annual rate |
|---|---|
| Nationwide | $4,900 |
| Erie | $6,337 |
| City average | $6,830 |
| Progressive | $7,339 |
| Geico | $7,713 |
| Allstate | $7,827 |
| State Farm | $11,381 |
| USAA* | $2,688 |
How much is car insurance in Philadelphia?
This makes Philadelphia the most expensive city for car insurance in Pennsylvania. Six of the state’s most expensive cities or towns for car insurance are in Greater Philadelphia.
Most expensive car insurance in PA
| City/town | Annual rate |
|---|---|
| Philadelphia | $3,332 |
| Gipsy | $3,076 |
| Concordville | $3,068 |
| Yeadon | $2,943 |
| East Lansdowne | $2,937 |
| Orson | $2,923 |
| Turkey City | $2,907 |
| Oak Ridge | $2,902 |
| Lansdowne | $2,901 |
| Darby | $2,899 |
Philadelphia car insurance laws
Liability car insurance with medical expense coverage is required by law in Philadelphia. The penalties for driving without insurance include a fine and suspension of your vehicle registration.
Law enforcement can ask you to show proof of insurance at a traffic stop or at an accident scene. Insurance companies also notify the DMV of policy lapses and cancellations.
Car insurance requirements in Philadelphia
You must have 15/30/5 car insurance to drive legally in Philadelphia. This means you need at least:
- Bodily injury liability coverage: $15,000 per injured person, $30,000 per accident
- Property damage liability coverage: $5,000
- Medical benefits coverage: $5,000
Liability covers injuries and damage to others in an accident you cause. Medical benefits cover injuries to you and your passengers, regardless of fault.
You can be held personally responsible for car accident expenses that go over your policy’s limits. This is the main reason to choose higher limits than the state requires. You can also add optional coverages such as uninsured motorist to your policy for more protection.
Limited tort vs. full tort
You also have to choose between limited- and full-tort car insurance in Philadelphia.
- A limited-tort policy is cheaper. With limited-tort car insurance, you can only sue an at-fault driver if your injuries are particularly severe.
- Full-tort policies don’t restrict your right to sue an at-fault driver.
Methodology
LendingTree gets insurance rates from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of insurance quotes for a typical driver in every Philadelphia ZIP code. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record. He drives a 2015 Honda Civic EX. Young driver rates are for an 18-year-old man with no prior tickets or accidents.
Minimum-liability policies provide liability coverage with the state’s required minimum limits for liability and medical benefits.. Full-coverage policies include:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident if required in that state
- Medical benefits: $5,000
- Collision: $500 deductible
- Comprehensive: $500 deductible
Overall satisfaction ratings based on J.D. Power 2023 U.S. Auto Insurance Study. Complaint ratings based on NAIC records for 2023.
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings, and app/website experience. We weighted these categories based on what customers value in an insurance company.
*USAA is only available to current and former members of the military and their families.