Car Insurance in Philadelphia

In Philadelphia, it is crucial to save while insuring a vehicle because premiums in Philadelphia are known for being pricey. They are generally nearly double the state average. Going over some ways to save on Philadelphia car insurance can save you money.

  • City Average: $2,564
  • State Average: $1,433
  • National Average: $1,427

Philadelphia Car Insurance by Credit Rating

For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Shifting from Very Poor (300-579) to Fair (580-669) draws in the biggest drop in premiums, as drivers save an average of $618 per year.

  • Very Poor: $4,850
  • Fair: $4,042
  • Good: $3,331
  • Very Good: $2,713
  • Exceptional: $2,228

Philadelphia Car Insurance by Accident or Violation History

Past accidents and violations can cost you in terms of premiums. A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Philadelphia have rates nearly double the average for the city of $2,564. Reckless driving will drive your rates up as well, with typical rates of $3,736. The severity of an accident influences insurance rates. When comparing premiums for drivers with at-fault accidents in Philadelphia, those with damages exceeding $2,000 pay 47% more than those with damages less than $1,000.

  • DUI: $4,585
  • Reckless Driving: $3,736
  • At-fault Accident (damages less than $1000): $2,690
  • At-fault Accident (damages greater than $2000): $3,956
  • Speeding Ticket (16-20 mph over speed limit): $2,864

Philadelphia Car Insurance by Age

Philadelphia drivers see the biggest dip in premiums when they hit their 20s, as they save an average of 55% from moving out of the teenage age range. In Philadelphia, turning 60 means an increase in rates. Up until then, moving between age groups means decreasing prices. With typical car insurance payments of $7,298, teenage drivers have the most expensive rates out of all the age groups. Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $2,271 each year. However, people in their 60s ($2,333) aren’t paying much more.

  • Teenagers: $7,298
  • 20s: $3,252
  • 30s: $2,551
  • 40s: $2,463
  • 50s: $2,271
  • 60s: $2,333
  • 70s: $2,738

Philadelphia Car Insurance by Gender and Marital Status

In Philadelphia, gender and marital status play a role in your car insurance premiums. Being single can cost you approximately $80 more per year compared to being married. Rates for those who are divorced are a hair more expensive than rates for those who are single, while rates for widowed individuals are cheaper. Males have premiums that are slightly cheaper than those for females.

  • Female: $2,589
  • Male: $2,564
  • Single: $2,564
  • Married: $2,481
  • Divorced: $2,572
  • Widowed: $2,516

What drives up car insurance rates in Philadelphia?

Where you live in Philadelphia affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Philadelphia is no exception to the rule. From zip code 19113 to 19132, premiums rise by 50 percent—that’s $860.

Expensive Philadelphia Zip Codes: 19133, 19139, 19140, 19121, 19132

Cheap Philadelphia Zip Codes: 19113, 19128, 19118, 19127, 19154

Philadelphia Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Philadelphia, you can expect 118 rainy days with an annual rainfall of 41.5 inches. Philadelphia is also known to experience severe winter storms. You can check on the condition of the roads anytime here.

118

Rainy Days a Year

42"

Avg. Annual Rainfall

22"

Avg. Annual Snowfall

Be Prepared For

Driving in Philly

Major Highways
I-95 U.S. 1 U.S. 13
Toll Roads
Benjamin Franklin Bridge Besty Ross Bridge Walt Whitman Bridge
Popular Day Trips
Ocean City Bushkill Falls Hershey Park

Find Local Philadelphia Agents

Wilson Insurance & Financial Planning

1732 W Cheltenham Ave Philadelphia, PA 19126

First Niagara Risk Management, Inc.

401 Plymouth Road Plymouth Meeting, PA 19462

CBIZ

401 Plymouth Road Plymouth Meeting, PA 19462

TLC ASSOCIATES

699 W Germantown Pike Ste 100 Plymouth Meeting, PA 19462

Freedom Insurance Group, Inc.

3308 Grant Ave Philadelphia, PA 19114

See All

Not sure about Philadelphia

Check out these other Pennsylvania cities...

Pittsburgh

$2,302

The average Philadelphian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

142

That's equal to 142 philly cheesesteaks or $921 in savings

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Philadelphia Car Insurance

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