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Get Cheap Car Insurance in Philadelphia, NY
We monitor insurance prices, helping the average driver in Philadelphia save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Philadelphia
The chart below shows the cheapest car insurance company in Philadelphia for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Philadelphia Insurer | Monthly Cost |
|---|---|
| Kemper | $74 |
| Plymouth Rock Assurance | $99 |
| Safeco Insurance | $107 |
| Geico | $111 |
Savings for Every Kind of Philadelphia Driver
Based on our extensive insurance data, we know the average Philadelphia driver will save about 30% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $603 per year by choosing the right vehicle insurance company. Some Philadelphia residents are paying out over $2,023 extra every year for auto insurance in Philadelphia. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Philadelphia, NY Savings / Yr. |
|---|---|
$603 |
|
$385 |
|
$768 |
|
$777 |
|
$1,904 |
|
$637 |
|
$1,015 |
Philadelphia Car Insurance vs. New York
People living in Philadelphia pay an average of 16.58% less than the typical driver in the state. The average driver in Philadelphia can expect to pay about $1,467 per year, or $2,023 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Philadelphia for most people.
Car Insurance Prices by Philadelphia Neighborhood
Insurance Prices
Where is insurance cheapest within Philadelphia?
The map shows insurance prices in and around Philadelphia, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $189 per year within the city boundaries, with insurance premiums ranging from a high of $2,180 to a low of $1,991. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the West parts of Philadelphia.Pick the Best Car Insurance Company for You in Philadelphia
The best car insurance provider for most drivers in Philadelphia
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $603 over the average Philadelphia car insurance company.
The best car insurance provider for Philadelphia drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $385 over the competition.
The best car insurance company for Philadelphia drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $768 better than other car insurance companies.
The best auto insurance for Philadelphia drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $777 less each year.
The least expensive car insurance company for new and young drivers in Philadelphia
In Philadelphia, Progressive costs young drivers $1,904 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Philadelphia
Progressive gave the largest car insurance discounts to married couples, averaging $637 saved each year compared to an average Philadelphia couple's premiums.
The cheapest car insurance in Philadelphia for drivers with bad credit
The best Philadelphia car insurance company for customer service
Nationwide was the best company for customer service in Philadelphia according to the NAIC.
Recent price drops
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The cheapest large national provider in Philadelphia
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Philadelphia driver can expect to pay about $183 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Philadelphia, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Philadelphia
What Influences the Cost of Car Insurance in Philadelphia?
On average, car insurance in Philadelphia is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Philadelphia is 30 minutes, which is a little less than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 21 to 22 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Philadelphia are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Philadelphia is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Philadelphia is $122 per month for minimum coverage and $169 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Theresa: Insurance costs 1.43% more
- Antwerp: Insurance costs 5.04% more
- Evans Mills: Insurance costs 4.79% more
- Great Bend: Insurance costs 7.51% more
- Deferiet: Insurance costs 2.72% more
- Orleans Four Corners: Insurance costs 0.59% less
- Fort Drum: Insurance costs 13.59% more
- Felts Mills: Insurance costs 2.87% less
- Oxbow: Insurance costs 3.16% more
- Herrings: Insurance costs 0.74% more
Cities with Similar Populations
- Baudette: Insurance costs 19.87% less
- Worton: Insurance costs 11.17% less
- West Kinderhook: Insurance costs 36.28% more
- Tushka: Insurance costs 15.67% less
- Thompson: Insurance costs 32.97% less
- Summer Shade: Insurance costs 4.25% more
- Pedro: Insurance costs 41.42% less
- Delaware City: Insurance costs 5.64% less
- Deerfield: Insurance costs 36.58% more
- Cowarts: Insurance costs 30.50% less