Travelers offers the most low-cost car indemnity in Philadelphia for wide coverage car insurance with an annual bounty of approximately $ 1,547. GEICO has the cheapest country minimum insurance at $ 639 per class, and Erie is the most low-cost option for drivers with tickets at $ 1,637. While alone available to members of the military and their families, USAA has the least expensive coverage available in Philadelphia. Overall, however, New Jersey Manufacturers is MoneyGeek ’ s crown picking for car policy because it balances superior customer avail with affordability .iconribbon best car indemnity

Philadelphia 2022

The Cheapest and Best Car Insurance in Philadelphia

The Cheapest Car Insurance Companies in Philadelphia

The cheapest options for drivers looking for a full coverage policy in Philadelphia are :

  • Travelers: $1,547 per year
  • GEICO: $1,565 per year

USAA offers the cheapest policies for stream and former military members at $ 1,102 per year. Travelers offers the bum cable car insurance in Philadelphia for full coverage : it ’ randomness $ 1,661 cheaper than the most expensive policy, through MetLife. A full-coverage policy includes both comprehensive and collision insurance. The price of your car insurance policy depends in big share on the type of coverage you select .

Cheapest Car Insurance in Philadelphia

Full Coverage 100/300/100

  • company 100/300/100

    per year

  • 1 .USAA

    $1,102

  • 2 .Travelers

    $1,547

  • 3 .GEICO

    $1,565

  • 4 .Erie

    $1,578

  • 5 .State Farm

    $1,597

  • 6 .Nationwide

    $1,758

  • 7 .Allstate

    $2,157

  • 8 .Esurance

    $2,403

  • 9 .Nationwide

    $2,467

  • 10 .Progressive

    $3,064

  • 11 .MetLife

    $3,208

MoneyGeek ’ south analysis is based on average rates for a 40-year-old male driver in Philadelphia with a entire coverage policy as per our methodology. A full coverage car insurance is more expensive than minimum coverage but adds comprehensive and collision indemnity to the necessity state minimum liability. This provides valuable protective covering against the cost of damage to your fomite as follows :

  • Comprehensive Coverage: If your car gets damaged outside of an accident, this coverage pays for your repairs.
  • Collision Coverage: This coverage pays for damage to your vehicle if you’re at fault in an accident.

It ’ sulfur authoritative to keep in beware that if you choose full coverage for an older car, you may end up paying more for policy than the actual value of your cable car. It may be better to choose liability-only indemnity or state minimum to avail yourself of the cheapest rates. Loading …

Cheapest Car Insurance in Philadelphia for Minimum Coverage

The most low-cost car indemnity in Philadelphia is one that meets the state ’ second minimum coverage requirements alone. The most low-cost options in the city are :

  • GEICO: $639 per year
  • Erie: $680 per year

USAA is the cheapest option for current and former military members in Philadelphia at $ 412 per year. When it comes to minimum coverage policies, GEICO ’ s annual agio is $ 1,379 cheaper than the most expensive provider, MetLife. Although minimum coverage plans may be the cheapest choice, they do not include comprehensive and collision coverage and have significantly lower liability limits. This could put you at risk of having insufficient coverage in the event of an accident. To know how costs may differ for higher liability limits, check out the table below .

Cheapest Minimum Liability Car Insurance in Philadelphia

submit Minimum

  • company State Minimum

    per year

  • 1 .USAA

    $412

  • 2 .GEICO

    $639

  • 3 .Erie

    $680

  • 4 .State Farm

    $773

  • 5 .Nationwide

    $903

  • 6 .Travelers

    $950

  • 7 .Allstate

    $955

  • 8 .Esurance

    $1,200

  • 9 .Progressive

    $1,269

  • 10 .Nationwide

    $1,298

  • 11 .MetLife

    $2,018

An policy policy that meets Pennsylvania ’ mho minimum requirements is liability-only coverage. Although this is the cheapest indemnity option in Philadelphia, it provides the least auspices. That means if you ’ re in an accident, you may be responsible for paying a hearty measure for damages or wound. For exemplar, if you ’ re at defect in an accident and the early driver ’ s medical bills are $ 30,000, Pennsylvania minimum indebtedness pays $ 15,000 per person for bodily injury. You would be personally responsible for the remaining $ 15,000 .

Pennsylvania Minimum Liability Requirements

  • item description
  • Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 5,000 for place wrong. A more protective level is 100/300/100 .

Cheapest Car Insurance in Philadelphia if You Have Driving Violations

Driving violations such as speeding tickets, DUIs, and at-fault accidents will about constantly increase your car policy premiums, sometimes by quite a spot. Depending on the misdemeanor, the cheapest insurers in Philadelphia are :

  • Cheapest after a ticket: Erie, $1,637 per year
  • Cheapest after an at-fault accident: State Farm, $1,885 per year
  • Cheapest after a DUI: State Farm, $1,741 per year

If you ’ re a driver with a hapless commemorate in Philadelphia, you can improve your driving history over time which should help reduce your insurance premiums. In the interim, though, it ’ s a good theme to explore the cheapest cable car indemnity options for drivers with bad records .

Cheapest Car Insurance in Philadelphia With a Violation

Speeding ticket

  • company Speeding Ticket

    per year

  • 1 .USAA

    $1,229

  • 2 .Erie

    $1,637

  • 3 .State Farm

    $1,741

  • 4 .GEICO

    $1,826

  • 5 .Nationwide

    $1,926

  • 6 .Allstate

    $2,157

  • 7 .Esurance

    $2,523

  • 8 .Travelers

    $2,536

  • 9 .Progressive

    $3,133

  • 10 .Nationwide

    $3,380

  • 11 .MetLife

    $4,335

Average Cost of Car Insurance in Philadelphia

Philadelphia

$2,134

PA

$1,818

U.S.

$1,424

The average car insurance rate in Philadelphia is $ 2,134, which is higher than both the state and national average costs of car policy. In comparison, the city average is 17.4 % more than the average annual cost of car indemnity in the submit of Pennsylvania. Philadelphia drivers besides pay around 49.9 % more than the national modal.

Personalized Quotes to Get You the Cheapest Car Insurance in Philadelphia

cable car indemnity companies in Philadelphia consider versatile factors before they finalize the monetary value. Each cable car indemnity quote depends on the risks associated with the specific driver. Among the factors that they evaluate are the age, gender, ZIP code, driving history and the make and model of the vehicle. These considerations mean that any change in your liveliness ’ randomness circumstances can affect your insurance ‘s monetary value. It is best to get a individualized quote regularly to see if you are qualified to get discounts or rebates. Comparing quotes from unlike companies can besides help you find the best cable car policy for you in Philadelphia. Loading …

The Best Car Insurance Companies in Philadelphia

MoneyGeek ranked the best insurance options for drivers in Philadelphia that offer a balance of affordability and quality customer military service. The best car insurance companies in the city based on these factors are :

  • New Jersey Manufacturers: MoneyGeek score of 98 out of 100
  • GEICO: MoneyGeek score of 93 out of 100

USAA received the highest score in Philadelphia by MoneyGeek ‘s rat system. however, because USAA is merely available to military members, veterans and their families, it is not listed as best overall. The scores were calculated based on several factors, including customer gratification, affordability and fiscal constancy ratings by data analytics and consumer intelligence company J.D. Power .
1

USAA

score :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2

New Jersey Manufacturers

sexual conquest :

97.5

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A+ fiscal constancy 3

GEICO

score :

92.5

5/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 4

Hartford

score :

87.5

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 5

State Farm

score :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 6

Travelers

score :

85

2/5 Affordability 5/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 7

Progressive

score :

80

3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 8

Nationwide

score :

77.5

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 9

Farmers

score :

75

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 10

CSAA

score :

75

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 11

Allstate

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 12

Plymouth Rock Assurance

score :

72.5

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability 13

Liberty Mutual

score :

72.5

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability

Average Cost of Car Insurance by Postal Code

aside from the submit where you live, your ZIP code can besides have an affect on the monetary value of your car insurance. In Philadelphia, the most low-cost neighborhood in the city is 19148. Drivers residing there pay around $ 1,984 for annual car policy premiums, which is $ 286 less than the pace for those in the most expensive ZIP code, 19140 .

  • Zip Code State Minimum

    per year

  • 19148

    $1,984

  • 19111

    $2,005

  • 19149

    $2,023

  • 19134

    $2,117

  • 19124

    $2,204

  • 19143

    $2,235

  • 19120

    $2,237

  • 19140

    $2,270

Factors That Impact Insurance Costs in Philadelphia

In accession to individual driver needs and history, location-specific factors like personal injury protective covering coverage requirements and the percentage of uninsured motorists besides contribute to car policy rates in Philadelphia. How Philadelphia ranks compared to the 300 most populous cities in the United States can have a meaning shock on agio costs .accident2 icon Most Accidents With Fatalities

179th

/ 300handcuffs2 icon Most car Thefts

60th

/ 300uninsured icon Most uninsured Motorists by State

43rd

/ 50insurance2 icon personal Injury Protection Required Yesrain icon Most annual rain

104th

/ 300umbrella icon Most showery Days

78th

/ 300

Methodology and Assumptions

MoneyGeek ’ mho average premium rates for Philadelphia are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their criminal record. Additional premiums are added based on coverage type, location and drive criminal record. Learn more about MoneyGeek ’ randomness data and methodology here. About the generator

expert-profileexpert-profile Mark Fitzpatrick is a senior contented coach with MoneyGeek specializing in policy. Mark has years of feel analyzing the indemnity market and creating original inquiry and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a maestro of Arts .

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