How Much Does Car Insurance Cost in Philadelphia?
Being knowledgeable about premiums while insuring a vehicle in Philadelphia is especially crucial because Philadelphia premiums are recognized for being costly. They are generally nearly double Pennsylvania's average. Let's take a look at how car insurance costs in Philadelphia compare to rates nationwide.
AUTO INSURANCE COSTS: PHILADELPHIA VS. US/STATE MEAN
|City Average||State Average||National Average|
Philadelphia Car Insurance by Credit Rating
The variance between average car insurance premiums in Philadelphia for individuals with Very Poor credit (300-579) and Exceptional credit (800-850) is $2,951/year. Shifting from Very Poor (300-579) to Fair (580-669) hands over the greatest decrease in premiums to drivers, as they save an average of $1,987 per year.
PHILADELPHIA AUTO INSURANCE RATES BY CREDIT TIER
|Credit Level||Average Auto Insurance Rate|
Philadelphia Auto Insurance by Driver Age
Drivers in their 70s save money on premiums, as they have the smallest rates among all age groups, paying only $2,226 each year. However, people in their 50s and 60s aren't paying that much more, with premiums of $2,248 and $2,285, respectively. Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $7,062 on average. The most significant dip in premiums for Philadelphia drivers happens when they hit their 20s. Once out of the teenage age bracket, individuals reduce their premiums by $4,836. Turning 60 triggers a rise in premiums, but up until that point drivers can expect premium reductions when they progress from one age group to the next.
PHILADELPHIA CAR INSURANCE PREMIUMS BY DRIVER AGE
Philadelphia Auto Insurance by Gender and Marital Status
Marital status and gender can affect your car insurance premiums in Philadelphia. You spend 8% more per year if you're single as opposed to 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. 1% is the amount by which men's and women's car insurance premiums differ.
PHILADELPHIA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Philadelphia Car Insurance by Violation or Accident History
Accidents and violations on your driving record can cost you in terms of car insurance premiums. Reckless driving will increase your car insurance premiums more than other driving violations. In Philadelphia, drivers with a DUI need to spend $1,283 more than the city average to insure their vehicle. Reckless driving will bump your rates up as well, with typical rates of $4,460, which are 77% higher than the city average! For those in Philadelphia with at-fault accidents in which damages exceeded $2,000, rates are an average of $1,165 more than at-fault accidents with damages less than $1,000.
AVERAGE PHILADELPHIA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,645|
|At-fault Accident (damages greater than $2,000)||$3,810|
|Speeding Ticket (16-20 mph over speed limit)||$2,845|
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
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
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Philadelphia Car Insurance
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