What's the Cost of Car Insurance in Philadelphia?
Premiums in Pennsylvania are relatively consistent with national rates, as its premiums are within 0.4% of the national average. Review our ways to save on Philadelphia car insurance and save money.
INSURANCE PREMIUMS: PHILADELPHIA VS. US/STATE AVERAGES
|City Average||State Average||National Average|
Philadelphia Auto Insurance by Accident or Violation History
Do you realize the impact an accident or violation can have on your car insurance premiums? A DUI will increase your car insurance premiums more than other driving violations. Typically, a DUI in Philadelphia will cost you 79% more in car insurance premiums versus the city average of $2,564. Reckless driving will bump your premiums up as well, with typical rates of $3,736. That is 46% higher than the city average. Insurance rates are affected by at-fault accident history, and more specifically, by the extent of the damage that resulted from the accidents. When comparing rates for drivers with at-fault accidents in Philadelphia, those with damages exceeding $2,000 pay $1,266 more than those with damages less than $1,000.
AVERAGE PHILADELPHIA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$2,690|
|At-fault Accident (damages greater than $2,000)||$3,956|
|Speeding Ticket (16-20 mph over speed limit)||$2,864|
Philadelphia Auto Insurance by Credit Rating
Improving your credit can save you a sizable chunk of money. Those in the bottom credit tier (300-579) normally pay 118% more every year for car insurance than those in the top credit tier (800-850). In terms of percent change, the most significant benefit of better credit occurs when improving from Good (670-739) to Very Good (740-799), by which drivers can save approximately 19% per year.
PHILADELPHIA CAR INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Car Insurance Rate|
Philadelphia Auto Insurance by Gender and Marital Status
In Philadelphia, several driver attributes, including marital status and gender, impact car insurance premiums. However, premiums are barely more pricey for women than for men. Women generally pay 1% more than men every year for insurance. 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. Individuals who are single spend roughly 3% more per year on car insurance compared to those who are married.
PHILADELPHIA AUTO INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Philadelphia Car Insurance Rates by Age Bracket
When Philadelphia drivers hit their 20s, therefore moving out of the teenage age bracket, they save an average of 55%. You won't see a more significant change between any other age group. While insurance rates for drivers in Philadelphia will continue to decrease through their 50s, they should anticipate a change when they turn 60. Car insurance premiums are highest for teenage drivers, with payments that average $7,298 per year. Among all age groups, drivers in their 50s have the lowest car insurance payments, with rates of $2,271 per year. Those in their 60s ($2,333) have premiums that aren't much higher.
PHILADELPHIA AUTO INSURANCE PREMIUMS BY DRIVER AGE
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in Philly
Major HighwaysI-95 U.S. 1 U.S. 13
Toll RoadsBenjamin Franklin Bridge Besty Ross Bridge Walt Whitman Bridge
Find Local Philadelphia Agents
699 W Germantown Pike Ste 100 Plymouth Meeting, PA 19462
First Niagara Risk Management, Inc.
401 Plymouth Road Plymouth Meeting, PA 19462
Wilson Insurance & Financial Planning
1732 W Cheltenham Ave Philadelphia, PA 19126
401 Plymouth Road Plymouth Meeting, PA 19462
Freedom Insurance Group, Inc.
3308 Grant Ave Philadelphia, PA 19114
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Philadelphia Car Insurance
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