Car Insurance in Philadelphia: Rates, Coverage, and How to Save
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Car insurance in Philadelphia is critical for every driver in an area where heavy traffic can increase the risk of accidents. This comprehensive guide to Philadelphia car insurance examines average rates, insurance policy options, and everything you need to know for driving in Philadelphia, from the lowest rates to minimum coverage requirements and more.
Types of Car Insurance Coverage Available
For drivers in the City of Brotherly Love, there are several types of car insurance coverage options:
- State minimum coverage: By law, Pennsylvania drivers must have vehicle liability insurance, which serves to cover property damage or injuries from an at-fault accident.
- Full coverage options: You can choose to go well beyond minimum requirements to buy full auto insurance coverage that will protect you against a variety of risks as well as accidents with an uninsured motorist.
- Additional coverage choices: You can also elect to add collision insurance, which covers the cost of repairing or replacing your car if it is damaged in an accident, as well as comprehensive auto insurance, which protects your car from damage caused by something other than a collision, such as weather events, theft, or vandalism.
Your insurance needs will likely vary based on how much you drive, where you drive, your driving history, and other factors.
Car Insurance Requirements in Philadelphia: The Minimum Coverages
Drivers in Philadelphia are required to have liability insurance at a minimum. This must include the following:
- $15,000 minimum auto insurance coverage for injury or death of one person in an accident
- $30,000 for injury or death of more than one person in an accident
- $5,000 property damage liability insurance for damage to property of another person
Many drivers choose to add further auto insurance coverage to protect themselves and others in the case of an accident or incident.
Average Car Insurance Rates in Philadelphia
Average car insurance rates in Philadelphia can vary based on several factors. Premiums in the city tend to be higher than the national average, although Pennsylvania as a whole is relatively close to the national average for car insurance rates.
Factors Affecting Car Insurance Rates in PA
Several key factors influence the price of car insurance rates in Philadelphia and throughout the Keystone State:
- Pennsylvania is a no-fault state: This means that both drivers in an accident must file a claim with their own insurance company, which can drive up statewide auto insurance premium rates.
- Philadelphia has a high population density: A higher population leads to more traffic and more traffic leads to more accidents.
- Car repairs are more expensive than ever: With the price of auto repairs increasing in Philadelphia and across the nation, insurance companies are responding by increasing monthly premiums.
- The city and state are seeing more extreme weather conditions: Major storms and severe winter weather are on the rise in the region, which can spur more claims and higher premiums in turn.
- Your driving record matters: If you have a history of moving violations such as speeding tickets, DUIs, or accidents, this can negatively impact your insurance rates. A clean driving record will bring down premiums.
- Your credit score counts, too: Good credit scores are your best friend when it comes to finding affordable car insurance in Philadelphia. If your credit score is relatively low, you will likely see higher car insurance premiums.
The Pennsylvania DMV can also provide more information on the rules of the road, auto insurance requirements, and other driving support for Pennsylvania residents.
Current Car Insurance Rates in Philadelphia
Car insurance rates in Philadelphia are high and getting higher. In fact, Philadelphia saw a massive jump in full-coverage auto costs from 2023 to 2024, when annual rates increased from $1,872 to $4,753. Minimum insurance coverage rates average closer to $1,500 for most Philadelphia drivers.
Average car insurance rates for teens in Philadelphia are even higher, reaching about $4,800 for minimum coverage, while annual rates for seniors average about $1,500. In general, the sweet spot for insurance is ages 30 to 60, when car insurance premiums will be somewhat lower on average.
Get a Custom Quote & Drive Insured in PA
Getting car insurance quotes in Philadelphia is always a good idea. Insurance rates change regularly, so it definitely pays to do your research and look for affordable car insurance in Pennsylvania.
EverQuote provides free custom car insurance quotes for Pennsylvania drivers to compare rates and options side by side. The top car insurance companies in Philadelphia will vary based on your wants and needs. Check out EverQuote today to get Philadelphia car insurance quotes and find affordable coverage that meets all of your driving needs.
FAQs
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.