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 AverageState AverageNational Average
$2,520$1,356$1,569


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 LevelAverage Auto Insurance Rate
Very Poor$5,072
Fair$3,085
Good$2,520
Very Good$2,292
Exceptional$2,121


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
AgeAverage Rate
Teenagers$7,062
20s$3,218
30s$2,497
40s$2,408
50s$2,248
60s$2,285
70s$2,226


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/GenderAverage Rate
Female$2,546
Male$2,520
Single$2,520
Married$2,341
Divorced$2,528
Widowed$2,414


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
Violation/IncidentAverage Rate
DUI$3,803
Reckless Driving$4,460
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.

118

Rainy Days a Year

42"

Avg. Annual Rainfall

22"

Avg. Annual Snowfall

Be Prepared For

Driving in Philly

2
Major Highways
I-95 U.S. 1 U.S. 13
2
Toll Roads
Benjamin Franklin Bridge Besty Ross Bridge Walt Whitman Bridge
2
Popular Day Trips
Ocean City Bushkill Falls Hershey Park

Find Local Philadelphia Agents

Freedom Insurance Group, Inc.

3308 Grant Ave Philadelphia, PA 19114

TLC ASSOCIATES

699 W Germantown Pike Ste 100 Plymouth Meeting, PA 19462

Wilson Insurance & Financial Planning

1732 W Cheltenham Ave Philadelphia, PA 19126

CBIZ

401 Plymouth Road Plymouth Meeting, PA 19462

First Niagara Risk Management, Inc.

401 Plymouth Road Plymouth Meeting, PA 19462

Not sure about Philadelphia

Check out these other Pennsylvania cities...

Pittsburgh

2

$2,302

The average Philadelphian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

142

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

See How Much You Can Save in Philadelphia

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Recent Questions:

Philadelphia Car Insurance

Does an accident appear on an MVR without a police report?

Typically, if the police are not involved, the accident will not show up on your motor vehicle report (MVR). However, the accident may show up as an at-fault accident on the CLUE report which is the report that pulls and verifies prior insurance claims.

Should I choose a company that is cheaper for my auto insurance or my home?

There's a couple of things to think about. While price is important, I would make sure you have equal coverage for your home and your auto from both Travelers and State Farm.

Can a homeowners claim be removed if there was no payout

No, because there was still a claim filed with the insurance company, they just didn't pay out for the claim. They had to pay for the claims adjuster to evaluate the damage.

I'm not licensed but need to insure a vehicle

All things considered, it would probably be best/cheaper for your husband to add you to his policy. You will get a multi vehicle discount</a?