How Much Does Auto Insurance Cost in Philadelphia?


It is common knowledge that Philadelphia has expensive premiums, as its mean premium is nearly double the state average. So in Philadelphia, it is vital to save while insuring a vehicle. Let's compare car insurance costs in Philadelphia versus premiums across the nation.


CAR INSURANCE PREMIUMS: PHILADELPHIA VS. STATE/US AVERAGES
City AverageState AverageNational Average
$2,564$1,433$1,427


Philadelphia Auto Insurance by Credit Rating


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you 54% each year on car insurance. In terms of percent change, shifting from Good (670-739) to Very Good (740-799) results in the largest percent drop in premiums, as drivers save nearly 19% per year.


PHILADELPHIA AUTO INSURANCE COSTS BY CREDIT TIER
Credit QualityAverage Rate
Very Poor$4,850
Fair$4,042
Good$3,331
Very Good$2,713
Exceptional$2,228


Philadelphia Car Insurance for Drivers With At-Fault Accidents or Violations


Possessing an untainted driving history is critical if you want to keep your insurance rates minimal. A DUI will increase your car insurance premiums more than other driving violations. In Philadelphia, drivers with a DUI have rates nearly double the average for the city of $2,564. Reckless driving will drive your premiums up as well, with average rates of $3,736, which are 46% higher than the city average. Being at-fault in an accident with damages exceeding $2,000 costs you another 47% per year in premiums compared to an accident with damages less than $1,000.


AVERAGE PHILADELPHIA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Rate
DUI/DWI$4,585
Reckless Driving$3,736
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 Rates by Age

The greatest decline in premiums for Philadelphia drivers happens when they hit their 20s. Once out of the teenage age range, drivers save, on average, $4,046 each year. Car insurance premiums for drivers continue to decline through their 50s, but they can expect to pay more when they turn 60. Among all age groups, drivers in their 50s have the smallest premiums, with rates of $2,271 per year. Those in their 60s ($2,333) have premiums that aren't much higher. Teenage drivers have the largest premiums of any age group, with car insurance payments of $7,298 on average.


PHILADELPHIA AUTO INSURANCE RATES BY AGE
AgeAverage Rate
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, quite a few driver traits, including marital status and gender, can have an effect on car insurance premiums. Single individuals spend close to 3% more per year on car insurance compared to those who are married. Rates for those who are widowed are a hair cheaper than rates for those who are single, while rates for divorced individuals are more expensive. Premiums for women are generally more pricey than for men, but only by a narrow margin.


PHILADELPHIA AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
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

CBIZ

401 Plymouth Road Plymouth Meeting, PA 19462

Wilson Insurance & Financial Planning

1732 W Cheltenham Ave Philadelphia, PA 19126

First Niagara Risk Management, Inc.

401 Plymouth Road Plymouth Meeting, PA 19462

Freedom Insurance Group, Inc.

3308 Grant Ave Philadelphia, PA 19114

TLC ASSOCIATES

699 W Germantown Pike Ste 100 Plymouth Meeting, PA 19462

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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