The average Philadelphian's annual cost of coverage


Our customer's average savings after comparing insurance


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

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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 Zip Codes

19133   19139   19140   19121   19132  

Cheap Zip Codes

19113   19128   19118   19127   19154  

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

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

Car Insurance Companies in Philadelphia

Find Local Philadelphia Agents


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

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Recent Questions:

Philadelphia Car Insurance

If I have insurance with State Farm in Pennsylvania and will be leasing a car through Uber Xchange, will I be able to keep my policy?

Jul 13, 2017

My car is too old for me to drive for Uber so I will be leasing a car through their ...

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Can my mom lower or cancel her insurance if she no longer plans to drive?

May 28, 2017

My mom has recently experienced some health issues and does not plan to drive for an extended period of time. ...