Philadelphia, PA
Cheap Car Insurance in Philadelphia
Philadelphia drivers pay an average of $2,429/year for auto insurance — 45% above the Pennsylvania state average. Compare quotes and save.
Why Philadelphia drivers pay more
Philadelphia consistently ranks among the priciest metros nationally; density and theft drive premiums. Across Pennsylvania, the average annual premium is $1,675; Philadelphia comes in at about $2,429 — 45% above the state benchmark.
Premiums vary widely within Philadelphia based on ZIP code, vehicle, age, credit (where allowed), and driving record. Urban ZIPs typically pay 20-40% more than suburban ones in the same metro area.
5 ways to lower your Philadelphia car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10-25% discount).
- Ask about telematics/usage-based discounts (10-30% if you drive carefully).
- Consider your ZIP — moving even one ZIP over in Philadelphia can shift your premium 10-20%.