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
Read more: The 7 Best Car Insurance Companies (2022)
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 . Most Accidents With Fatalities
179th
/ 300 Most car Thefts
60th
/ 300 Most uninsured Motorists by State
43rd
/ 50 personal Injury Protection Required Yes Most annual rain
104th
/ 300 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
Read more: The Best Car Insurance Companies for 2022
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 .