+120 more*These quotes are from Compare.com users in and around Philadelphia, Pennsylvania within the last 10 days. Updated on July 2, 2026
*These quotes are from Compare.com users in and around Philadelphia, Pennsylvania within the last 10 days. Updated on July 2, 2026
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
State Farm offers Philadelphia drivers the cheapest car insurance, with an average monthly rate of $104.
Liability insurance averages $160 per month, while full coverage costs $277 per month in Philadelphia.
State Farm, Safeco, and Erie are our top picks for Philadelphia car insurance.
Two Philadelphia drivers can buy the same car insurance policy and still end up with different premiums. That’s because insurers don’t set one flat rate. Each company weighs factors like where you live in the city, your driving history, gender, and even credit history (in some cases) when setting prices.[1]
Understanding the average rates drivers with a similar profile pay can help set realistic expectations and uncover where you can find cheaper rates.
Let’s take a look at the cheapest insurers for Philadelphia drivers by driver type and coverage type, according to our research.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | State Farm |
| Full coverage | State Farm |
| Teens | State Farm |
| Seniors | State Farm |
| Drivers with a speeding ticket | State Farm |
| Drivers with an at-fault accident | State Farm |
| Drivers with a DUI | State Farm |
| Drivers with excellent credit | State Farm |
| Drivers with poor credit | State Farm |
Drivers in Philadelphia pay some of the highest average rates in the country — but drivers still have ways to save. Comparing quotes from a wide range of car insurers can help you find a policy that works for your needs and budget.
The following table lists the cheapest car insurance companies in Philadelphia and their average monthly premiums.
Company | Average Monthly Premium |
|---|---|
| State Farm | $104 |
| National General | $115 |
| Erie | $123 |
| First Acceptance | $124 |
| Auto-Owners | $132 |
| Progressive | $144 |
| Travelers | $159 |
| GEICO | $164 |
| Safeco | $169 |
| Direct Auto | $175 |
| Allstate | $184 |
| Foremost | $186 |
| Bristol West | $193 |
| Root | $213 |
| USAA | $214 |
| Dairyland | $227 |
| Chubb | $249 |
| Liberty Mutual | $259 |
| GAINSCO | $270 |
| State Auto | $288 |
| CSAA | $339 |
See how much you might pay for a Philadelphia car insurance policy using the calculator below.
The coverage levels you choose influence your insurance rates — and more coverage means higher rates.
On average, Philadelphia drivers who choose basic liability coverage pay $160 per month. Liability-only coverage at the state minimum is the cheapest type of policy you can buy, but the coverage is minimal. If you cause an accident, your policy covers only the other driver’s medical bills and vehicle damage.
The chart below highlights the cheapest car insurance companies in Philadelphia for liability-only insurance.
While these companies offer the cheapest basic policies in the area, most Philly drivers should consider additional coverages that protect their own vehicles.
Company | Average Monthly Premium |
|---|---|
| State Farm | $104 |
| National General | $115 |
| Erie | $123 |
| First Acceptance | $124 |
| Auto-Owners | $132 |
| Progressive | $144 |
| Travelers | $159 |
| GEICO | $164 |
| Safeco | $169 |
| Direct Auto | $175 |
| Allstate | $184 |
| Foremost | $186 |
| Bristol West | $193 |
| Root | $213 |
| USAA | $214 |
| Dairyland | $227 |
| Chubb | $249 |
| Liberty Mutual | $259 |
| GAINSCO | $270 |
| State Auto | $288 |
| CSAA | $339 |
Pennsylvania law requires all drivers to have car insurance. If a cop pulls you over and you don’t have insurance, you may face a fine of $300, restoration fees, and a three-month suspension of your license and registration.
Drivers in Pennsylvania must purchase the following amounts of car insurance at a minimum:[2]
$15,000 in bodily injury liability insurance per person
$30,000 in bodily injury liability insurance per accident
$5,000 in property damage liability insurance
$5,000 in medical payments coverage (MedPay)
Pennsylvania is a choice no-fault state, so uninsured/underinsured motorist coverage is optional. You can choose between “limited tort” and “full tort” insurance. If you’re in an accident where you aren’t at fault, “full tort” gives you unlimited rights to recover financial damages.
For more on the state’s car insurance requirements, read the Pennsylvania Auto Insurance Guide.
Full coverage is more expensive but the most robust coverage option. On average, drivers in Philadelphia who choose full coverage pay $277 per month.
Along with liability insurance, full coverage includes collision insurance and comprehensive coverage. These coverages kick in to cover your own vehicle repairs after a collision or non-collision event (e.g., severe weather or vandalism).
The chart below lists the cheapest companies in Philadelphia for full coverage.
The five companies in the chart below are great starting places if you’re looking for affordable full-coverage insurance in Philly, but keep in mind that your personal rates could be wildly different depending on personal factors like your age and driving record.
Company | Average Monthly Premium |
|---|---|
| State Farm | $186 |
| Erie | $214 |
| Auto-Owners | $231 |
| Plymouth Rock | $245 |
| National General | $263 |
| Safeco | $274 |
| Travelers | $279 |
| GEICO | $288 |
| Progressive | $310 |
| Liberty Mutual | $313 |
| First Acceptance | $322 |
| Allstate | $324 |
| Direct Auto | $350 |
| Root | $351 |
| Bristol West | $364 |
| USAA | $378 |
| Chubb | $436 |
| GAINSCO | $494 |
| State Auto | $508 |
| CSAA | $519 |
| Dairyland | $573 |
| Foremost | $604 |
Teen drivers pay the highest insurance premiums in Philadelphia by far, with an average rate of $380 per month. Insurers consider them high-risk due to their higher rates of accidents — so car insurance companies charge them higher car insurance rates to offset the risk of physical damage or medical expenses.
Here’s a look at the cheapest companies for teen drivers in Philadelphia, according to our data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $197 |
| First Acceptance | $216 |
| Erie | $221 |
| National General | $224 |
| Progressive | $251 |
| Auto-Owners | $261 |
| GEICO | $290 |
| Root | $313 |
| Travelers | $323 |
| Direct Auto | $334 |
| Bristol West | $334 |
| Safeco | $336 |
| Allstate | $355 |
| USAA | $386 |
| Dairyland | $387 |
| Liberty Mutual | $443 |
| GAINSCO | $466 |
| Chubb | $501 |
| State Auto | $683 |
| CSAA | $817 |
Rates in Philadelphia start at $104 per month.
Senior drivers are on the other end of the spectrum, with the most affordable car insurance rates in Philadelphia. As you enter retirement, you generally drive less. This lower mileage means you’re at a lower risk for accidents — leading to lower rates on average.
Seniors in Philadelphia pay an average of $190 per month, according to our data. But it’s possible to find an even better deal with the right insurer if you shop around and compare rates.
The chart below shows the cheapest insurers for seniors in Philadelphia, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $82 |
| National General | $91 |
| Erie | $94 |
| Auto-Owners | $104 |
| First Acceptance | $108 |
| Progressive | $125 |
| Travelers | $127 |
| GEICO | $131 |
| Direct Auto | $144 |
| Safeco | $148 |
| Allstate | $150 |
| Bristol West | $162 |
| USAA | $174 |
| Chubb | $189 |
| Dairyland | $193 |
| Root | $196 |
| Liberty Mutual | $216 |
| State Auto | $218 |
| GAINSCO | $232 |
| CSAA | $254 |
Your driving record can also influence your auto insurance rates. Drivers with at-fault accidents and traffic violations on their records tend to pay higher insurance premiums than people with a clean driving history. When you get these types of infractions, insurers view you as a higher risk and increase your rates to make up for the added risk of insuring you.
The following table shows how much drivers in Philadelphia pay for car insurance based on driving record, as well as the cheapest insurance company for each group of drivers.
The table below compares the cheapest insurers in Philadelphia for people with a recent ticket, an at-fault accident, or a DUI, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $126 |
| National General | $137 |
| First Acceptance | $142 |
| Erie | $156 |
| Progressive | $165 |
| Auto-Owners | $165 |
| Travelers | $198 |
| GEICO | $206 |
| Direct Auto | $211 |
| Safeco | $213 |
| Allstate | $229 |
| Bristol West | $233 |
| Root | $243 |
| USAA | $264 |
| Dairyland | $270 |
| Chubb | $304 |
| GAINSCO | $309 |
| Liberty Mutual | $316 |
| State Auto | $367 |
| CSAA | $426 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $134 |
| National General | $148 |
| First Acceptance | $153 |
| Erie | $160 |
| Auto-Owners | $170 |
| Progressive | $178 |
| Travelers | $208 |
| GEICO | $210 |
| Safeco | $228 |
| Direct Auto | $231 |
| Allstate | $240 |
| Bristol West | $247 |
| Root | $259 |
| USAA | $279 |
| Dairyland | $291 |
| Chubb | $322 |
| Liberty Mutual | $333 |
| GAINSCO | $334 |
| State Auto | $383 |
| CSAA | $467 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $158 |
| National General | $175 |
| Erie | $188 |
| Auto-Owners | $192 |
| First Acceptance | $200 |
| Progressive | $232 |
| Travelers | $242 |
| GEICO | $249 |
| Direct Auto | $266 |
| Safeco | $274 |
| Allstate | $280 |
| Bristol West | $294 |
| Root | $324 |
| USAA | $326 |
| Dairyland | $346 |
| Chubb | $379 |
| Liberty Mutual | $394 |
| GAINSCO | $411 |
| State Auto | $424 |
| CSAA | $516 |
Your credit is one of several factors insurers use to set rates. Credit doesn’t determine your driving skills, but it does give insurers an idea of your risk level. Pennsylvania, like many states, uses credit-based insurance scores when setting rates. Essentially, good credit leads to better rates, while poor credit results in higher premiums.[3]
Drivers with good credit in Philadelphia pay an average of $198 for car insurance, while drivers with poor credit pay about $273 per month, according to our data.
The good news is that not every insurer considers credit, and some offer affordable rates regardless of your credit history. In the table below, we highlight the cheapest insurance companies for drivers with excellent and poor credit.
Company | Average Monthly Premium |
|---|---|
| State Farm | $88 |
| Erie | $99 |
| National General | $103 |
| Auto-Owners | $106 |
| First Acceptance | $112 |
| Progressive | $131 |
| GEICO | $138 |
| Travelers | $140 |
| Safeco | $153 |
| Direct Auto | $157 |
| Allstate | $163 |
| Bristol West | $174 |
| USAA | $191 |
| Root | $194 |
| Dairyland | $202 |
| Liberty Mutual | $216 |
| Chubb | $217 |
| GAINSCO | $241 |
| State Auto | $251 |
| CSAA | $309 |
Company | Average Monthly Premium |
|---|---|
| National General | $142 |
| State Farm | $150 |
| First Acceptance | $155 |
| Progressive | $180 |
| Erie | $180 |
| Travelers | $197 |
| Auto-Owners | $197 |
| GEICO | $203 |
| Safeco | $209 |
| Direct Auto | $216 |
| Allstate | $227 |
| Bristol West | $239 |
| USAA | $263 |
| Root | $263 |
| Dairyland | $281 |
| Liberty Mutual | $310 |
| GAINSCO | $334 |
| State Auto | $357 |
| Chubb | $396 |
| CSAA | $419 |
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You don’t need a master’s degree in economics to see Philadelphians pay a lot for car insurance. Philadelphia drivers can save on car insurance with the following strategies:
Take advantage of discounts: Ask your insurance agent or visit your insurer’s website to see if you qualify for any discounts.
Choose a safe car: Vehicles with strong safety records and advanced safety features are usually cheaper to insure.
Raise your deductible: When you raise your deductible, your monthly premiums will decrease. Just make sure you can afford the extra expense if you need to file a claim.
Bundle policies: Consider bundling your car insurance with home insurance or life insurance to save.
Improve your credit score: Insurance companies offer better rates to drivers with high credit scores — so having good credit can lead to savings.
Practice safe driving: Drivers with a clean driving record have an easier time finding cheap car insurance.
Compare quotes: You’ll find plenty of different rates while shopping for insurance. Comparing car insurance quotes from at least five insurers is the best way to find the cheapest insurance coverage.
Different factors affect car insurance rates, including your driving history, choice of vehicle, age, marital status, the local crime rate, and more. So no single car insurance company is the “best” — what works best for you depends on your specific profile.
We picked the following companies based on a combination of average rates, available discounts, customer reviews, and coverage selections.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $104/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $186/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.4 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is the largest car insurance company in the country by market share — and Philadelphia drivers who choose the insurer pay some of the lowest rates in the city. The company also has some of the lowest average across age groups and among drivers with mixed driving records. You can save even more when you take advantage of State Farm’s many discounts or enroll in Drive Safe & Save, the company’s telematics program.
Among the cheapest rates in Philadelphia
Above-average J.D. Power customer satisfaction score
Doesn’t offer gap insurance
May lack the personalized attention of smaller insurers
| User Reviews | 4.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $169/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $274/mo |
Safeco Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.4 | 2.9 |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco offers some of the cheapest full-coverage auto insurance rates in Philadelphia, according to our research. Full coverage can be a good idea if you drive a newer or high-value car and want some added protection on the road.
Aside from its main insurance products, Safeco offers several additional coverages, including new vehicle replacement and rental car reimbursement. Unfortunately, Safeco has one of the lowest J.D. Power customer satisfaction scores of any midsize insurer.
Discounts for safe driving
Highly rated mobile app
Not the cheapest option available
Below-average J.D. Power customer satisfaction score
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $123/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $214/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 3.8 | 2.9 |
Philadelphia teens pay more for car insurance, so they’re definitely looking for any chance to save. Luckily, Erie offers discounts for drivers away at college and those who take a driver training course. Drivers who go a year or more without an accident or traffic violation can also get a discount.
Parents can add their young adults to their policies to save. Luckily, Erie’s Rate Lock feature means your rates won’t go up when you add a new driver to your policy. Plus, Erie policyholders can earn a discount when they insure multiple cars.
Above-average J.D. Power customer satisfaction score
Many discounts for young drivers
Not the cheapest option in Philadelphia
Only available in 12 states
Here are answers to some commonly asked questions about car insurance in Philadelphia.
Philadelphia drivers pay an average of $218 per month for car insurance, according to Compare.com data. That breaks down to $160 per month for basic liability coverage and $277 for more robust full-coverage policies.
State Farm offers the lowest rates in Philadelphia, at $104 per month, according to Compare.com data. Keep in mind that the best car insurance companies aren’t always the cheapest option for everyone.
While you won’t find one single best car insurance company that suits every Philadelphian, our top picks for auto coverage include State Farm and Safeco. The best insurer depends on your budget and the things you value most, including pricing, coverage, and customer service.
It depends. Your car insurance rates depend on a variety of personal factors you can and can’t control, like your driving history, age, state laws, and coverage choices. Philadelphia drivers pay an average of $218 per month for insurance.
Compare that to the statewide average in Pennsylvania, which is $121, and the national average of $140.
To meet Pennsylvania’s financial responsibility requirements and legally drive in Philadelphia, you must have bodily injury liability coverage of at least $15,000 per person and $30,000 per accident. State law also requires you to have at least $5,000 in medical benefits (MedPay) coverage and $5,000 in property damage liability.
It depends. Pennsylvania’s state minimum requirements usually aren’t enough to protect you if you cause a serious car crash. Many insurance experts recommend purchasing limits above the state’s minimums to provide greater protection. If you cause a crash with damages above your coverage limits, you’d be responsible for paying the rest out of pocket.[4]
Lenders and leasing companies also usually require you to buy collision and comprehensive coverage if you finance or lease your car.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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