Philadelphia Car Insurance

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

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

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

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

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