Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 1, 2022

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The Lowdown

  • Philadelphia auto insurance rates are some of the highest in the state of Pennsylvania
  • There are many different ZIP codes in Philadelphia which can play a major role in your auto insurance rates
  • State Farm, Nationwide, and GEICO appear to be the best options for cheap Philadelphia auto insurance

Recently moved to the Philadelphia area and looking for auto insurance? You’ll want to learn about the best auto insurance in Philadelphia and how to get the best rates.

Thankfully, this article will serve as a guide to help you learn how to get cheap auto insurance in Philadelphia, the insurance companies available, and more.

In just a few moments you’ll have everything you need to buy auto insurance in Philadelphia. Until then, enter your ZIP code above to get free quotes from the top auto insurance companies near you.

How much is auto insurance in Philadelphia?

If you are within the city limits of Philadelphia, you can expect to pay a decent amount for auto insurance. Of course, there are many factors that will influence your auto insurance rates no matter where you live.

For example, your coverage amount, vehicle, and driving history all play pertinent roles in your auto insurance rates. The city and state you live in will also contribute to the underwriting process.

Unfortunately, if you have moved within the city limits of Philadelphia, you’ll have the highest rates in the state of Pennsylvania.

Most Expensive Cities for Auto Insurance in Pennsylvania
 CityAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
1Philadelphia$7,482.34 Travelers$15,126.36 Liberty Mutual$12,538.89 USAA$2,954.06 GEICO$4,621.12
2Sharon Hill$6,392.50 Travelers$13,460.15 Liberty Mutual$8,630.14 USAA$2,363.32 Nationwide$4,102.98
3East Lansdowne$6,347.36 Travelers$12,468.46 Liberty Mutual$8,630.14 USAA$2,511.37 Nationwide$4,210.51
4Collingdale$6,270.41 Travelers$12,886.09 Liberty Mutual$8,630.14 USAA$2,511.37 Nationwide$4,212.45
5Millbourne$6,231.76 Travelers$12,160.58 Liberty Mutual$8,630.14 USAA$2,207.63 Nationwide$4,241.54
6Bensalem$5,764.41 Travelers$12,296.07 Liberty Mutual$8,344.78 USAA$1,908.22 GEICO$3,568.65
7Cheltenham$5,733.79 Travelers$12,436.54 Liberty Mutual$7,629.84 USAA$2,456.44 Nationwide$3,835.72
8Elkins Park$5,727.39 Travelers$12,174.44 Liberty Mutual$7,629.84 USAA$2,154.94 Nationwide$3,745.21
9Chester$5,723.20 Travelers$12,415.25 Liberty Mutual$8,630.14 USAA$2,363.32 GEICO$3,596.36
10Glenolden$5,720.42 Travelers$12,887.96 Liberty Mutual$8,630.14 USAA$2,395.86 State Farm$3,491.05
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You might notice that USAA offers reasonable rates when compared to other companies like Travelers, but keep in mind that USAA is exclusive to military affiliates and first responders.

The region you live in plays a major role in how much you’ll pay for auto insurance. So much so that the ZIP code you live in can cost you thousands per year despite being labeled in the same city.

Average Philadelphia Auto Insurance Rates by ZIP Code
ZipcodeGrand TotalPrice Above State Average
19133$8,527.54 $4,493.05
19132$8,485.99 $4,451.50
19140$8,482.06 $4,447.57
19142$8,438.04 $4,403.55
19139$8,431.95 $4,397.46
19121$8,402.97 $4,368.48
19143$8,335.23 $4,300.74
19122$8,251.78 $4,217.29
19112$8,120.94 $4,086.45
19141$7,951.26 $3,916.77
19120$7,934.92 $3,900.43
19126$7,875.75 $3,841.26
19145$7,875.23 $3,840.74
19125$7,867.88 $3,833.39
19124$7,839.78 $3,805.29
19138$7,813.73 $3,779.24
19153$7,809.79 $3,775.30
19134$7,792.20 $3,757.71
19104$7,718.61 $3,684.12
19131$7,711.11 $3,676.62
19190$7,619.01 $3,584.52
19109$7,590.79 $3,556.30
19148$7,551.17 $3,516.68
19144$7,532.62 $3,498.13
19147$7,504.11 $3,469.62
19146$7,491.18 $3,456.69
19110$7,488.79 $3,454.30
19151$7,471.33 $3,436.84
19123$7,437.48 $3,402.99
19150$7,383.38 $3,348.89
19135$7,382.27 $3,347.78
19107$7,335.47 $3,300.98
19130$7,297.97 $3,263.48
19103$7,251.85 $3,217.36
19149$7,230.43 $3,195.94
19106$7,169.36 $3,134.87
19111$7,141.58 $3,107.09
19137$7,103.46 $3,068.97
19102$7,059.31 $3,024.82
19115$7,058.79 $3,024.30
19136$7,025.09 $2,990.60
19152$7,024.54 $2,990.05
19116$6,957.01 $2,922.52
19119$6,897.67 $2,863.18
19129$6,797.93 $2,763.44
19114$6,702.33 $2,667.84
19154$6,621.94 $2,587.45
19127$6,364.49 $2,330.00
19118$6,328.67 $2,294.18
19128$6,297.66 $2,263.17
19113$5,815.01 $1,780.52
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As you can see above, the cheapest area in Philadelphia could be nearly $3,000 cheaper than the most expensive area. This is why it’s important to use your ZIP code when requesting rates. Otherwise, you might not get accurate quotes and could end up overpaying on auto insurance.

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What are the cheapest auto insurance companies in Philadelphia?

As noted earlier, the cheapest auto insurance company for each individual will likely vary depending on a myriad of factors that must be accounted for during the underwriting process. We were able to compile some average rates by company and ZIP code, shown below.

Average Philadelphia Auto Insurance Rates by Company and ZIP Code
ZipcodeAverageAllstate F&CGEICO CasFirst Liberty Ins CorpNationwide P&CProgressive SpecialtyState Farm Mutual AutoTravelers Home & Marine Ins CoUSAA
19133$8,527.54 $7,833.22 $5,877.31 $14,953.09 $5,516.08 $8,333.33 $6,228.95 $16,347.78 $3,130.55
19132$8,485.99 $8,367.61 $5,877.31 $14,953.09 $5,518.85 $8,410.96 $5,345.97 $16,434.31 $2,979.83
19140$8,482.06 $8,033.76 $5,877.31 $14,953.09 $5,531.40 $8,315.52 $6,358.54 $15,656.34 $3,130.55
19142$8,438.04 $7,341.30 $5,402.37 $14,953.09 $5,580.35 $8,364.86 $6,679.84 $16,063.64 $3,118.87
19139$8,431.95 $8,082.38 $5,332.66 $14,953.09 $5,450.53 $8,458.11 $6,210.62 $15,900.83 $3,067.37
19121$8,402.97 $8,299.81 $5,877.31 $14,953.09 $5,103.03 $8,135.10 $6,208.04 $15,667.55 $2,979.83
19143$8,335.23 $8,361.27 $5,332.66 $14,953.09 $5,550.31 $7,886.04 $6,228.55 $15,329.68 $3,040.28
19122$8,251.78 $8,298.96 $5,059.59 $14,953.09 $5,155.70 $7,839.62 $5,764.76 $15,965.31 $2,977.25
19112$8,120.94 $7,759.51 $5,402.37 $14,953.09 $4,978.83 $8,677.08 $4,159.60 $15,996.78 $3,040.28
19141$7,951.26 $8,238.55 $5,877.31 $11,848.69 $5,476.55 $7,979.49 $5,393.39 $15,628.00 $3,168.09
19120$7,934.92 $8,707.93 $5,059.59 $11,848.69 $5,579.54 $8,108.80 $5,773.80 $15,270.43 $3,130.55
19126$7,875.75 $8,028.97 $5,877.31 $11,848.69 $5,560.59 $8,607.26 $4,926.72 $15,023.64 $3,132.85
19145$7,875.23 $7,914.00 $5,332.66 $13,185.12 $5,179.89 $7,937.42 $4,614.78 $15,797.70 $3,040.28
19125$7,867.88 $8,293.18 $5,059.59 $13,185.12 $5,411.31 $7,044.06 $5,692.26 $15,280.25 $2,977.25
19124$7,839.78 $8,171.94 $5,059.59 $11,848.69 $5,440.57 $8,012.77 $5,821.25 $15,192.97 $3,170.44
19138$7,813.73 $8,062.45 $5,877.31 $11,848.69 $5,486.16 $7,831.31 $4,962.95 $15,422.93 $3,018.01
19153$7,809.79 $7,086.14 $5,402.37 $13,185.12 $4,431.54 $7,819.53 $5,562.60 $15,950.73 $3,040.28
19134$7,792.20 $7,600.64 $5,059.59 $13,185.12 $5,078.58 $7,909.98 $5,003.80 $15,369.32 $3,130.55
19104$7,718.61 $7,882.11 $3,727.54 $14,953.09 $4,944.68 $7,545.44 $4,700.48 $15,015.69 $2,979.83
19131$7,711.10 $8,132.38 $5,332.66 $11,848.69 $5,286.25 $7,415.17 $5,173.58 $15,520.29 $2,979.83
19190$7,619.01 $6,334.05 $3,727.54 $14,953.09 $4,944.68 $7,192.67 $5,119.14 $15,996.78 $2,684.13
19109$7,590.79 $7,841.27 $3,727.54 $14,953.09 $4,678.39 $6,959.06 $5,119.14 $14,644.96 $2,802.84
19148$7,551.17 $7,474.31 $3,727.54 $13,185.12 $4,861.88 $7,672.83 $4,215.45 $16,231.94 $3,040.28
19144$7,532.62 $6,902.84 $4,546.01 $11,848.69 $5,459.43 $7,797.56 $5,325.47 $15,516.37 $2,864.58
19147$7,504.11 $7,997.54 $3,727.54 $13,185.12 $5,250.01 $7,234.00 $3,740.88 $15,857.48 $3,040.28
19146$7,491.18 $7,982.94 $3,727.54 $13,185.12 $5,389.24 $7,296.15 $4,333.81 $14,974.40 $3,040.28
19110$7,488.79 $7,841.27 $3,727.54 $14,953.09 $4,678.39 $6,678.29 $5,119.14 $14,109.73 $2,802.84
19151$7,471.33 $7,388.51 $5,332.66 $11,848.69 $5,436.81 $7,517.42 $4,991.83 $14,187.37 $3,067.37
19123$7,437.48 $7,438.43 $3,727.54 $14,953.09 $4,570.24 $7,129.35 $3,659.25 $15,196.72 $2,825.27
19150$7,383.38 $7,534.36 $4,546.01 $11,848.69 $5,515.88 $7,055.60 $4,882.03 $14,728.98 $2,955.54
19135$7,382.27 $6,844.05 $4,638.51 $11,848.69 $4,631.25 $7,940.25 $4,966.37 $15,206.29 $2,982.73
19107$7,335.47 $7,871.86 $3,727.54 $13,185.12 $4,678.39 $7,192.67 $3,397.36 $15,805.58 $2,825.27
19130$7,297.97 $7,996.84 $3,727.54 $13,185.12 $4,897.58 $6,630.14 $4,093.46 $14,873.26 $2,979.83
19103$7,251.85 $7,517.36 $3,727.54 $13,185.12 $4,870.88 $6,613.47 $3,518.10 $15,748.18 $2,834.16
19149$7,230.43 $7,141.98 $4,638.51 $10,227.15 $4,929.85 $7,477.35 $5,070.85 $15,187.32 $3,170.44
19106$7,169.36 $7,585.58 $3,727.54 $13,185.12 $4,953.33 $6,463.28 $3,328.32 $15,286.45 $2,825.27
19111$7,141.58 $6,883.01 $4,638.51 $10,227.15 $4,953.78 $7,336.97 $4,542.45 $15,380.34 $3,170.44
19137$7,103.46 $6,356.60 $4,638.51 $11,848.69 $4,083.00 $7,915.87 $5,312.97 $13,501.46 $3,170.57
19102$7,059.31 $7,873.11 $3,727.54 $13,185.12 $4,897.36 $6,678.29 $3,518.10 $13,760.78 $2,834.16
19115$7,058.79 $6,382.61 $4,426.66 $10,227.15 $4,701.63 $7,504.38 $4,694.96 $15,566.99 $2,965.93
19136$7,025.09 $6,791.12 $4,638.51 $10,227.15 $4,501.52 $7,639.81 $4,567.40 $15,151.11 $2,684.13
19152$7,024.54 $6,705.71 $4,638.51 $10,227.15 $4,558.07 $7,605.79 $4,837.87 $14,657.33 $2,965.93
19116$6,957.01 $6,424.22 $4,426.66 $10,227.15 $4,852.17 $7,816.47 $4,530.71 $14,694.57 $2,684.13
19119$6,897.67 $6,215.33 $4,546.01 $10,227.15 $5,106.89 $6,751.67 $3,955.65 $15,360.70 $3,018.01
19129$6,797.93 $6,485.58 $4,546.01 $10,227.15 $4,897.65 $6,371.94 $3,908.31 $15,082.25 $2,864.58
19114$6,702.32 $6,348.97 $4,426.66 $10,227.15 $4,628.85 $6,666.34 $4,100.54 $14,535.97 $2,684.13
19154$6,621.93 $6,334.05 $4,426.66 $10,227.15 $4,632.59 $6,553.85 $3,964.90 $14,152.16 $2,684.13
19127$6,364.49 $5,964.33 $3,324.39 $10,227.15 $4,337.34 $6,161.77 $3,953.25 $14,083.09 $2,864.58
19118$6,328.67 $5,370.25 $3,633.58 $10,227.15 $4,551.64 $6,213.05 $3,771.32 $13,997.77 $2,864.58
19128$6,297.66 $5,238.58 $3,633.58 $10,227.15 $4,038.19 $6,411.81 $4,033.64 $13,933.77 $2,864.58
19113$5,815.01 $7,024.32 $3,596.36 $8,630.14 $4,057.89 $6,022.77 $3,625.02 $11,200.25 $2,363.32
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Yet again, the ZIP code plays a major role in the auto insurance rates for different Philadelphia areas. It also tends to influence which company is the cheapest from ZIP to ZIP. Yet again, USAA is the most affordable option but that company is not available to everyone.

Based on the data above, you can find relatively cheap auto insurance in Philadelphia with Nationwide, GEICO, or State Farm. You might want to avoid buying a policy from Travelers or First Liberty if you’re looking for a cheap policy.

What are the best auto insurance companies in Philadelphia?

To many people, the best company will be the cheapest. For that reason, we’ll compare the likes of the three cheapest auto insurance companies that were listed above.

For starters, you’ll want to be sure that your insurance provider is highly rated. A.M. Best rates insurance companies for financial strength to ensure that they are financially safe for consumers.

Below, you’ll find each company’s A.M. Best rating:

  • State Farm: A++
  • Nationwide: A+
  • GEICO: A++

You’ll see above that all three auto insurance companies come highly rated. This means that price and customer service will likely take precedent.

There are limitations for customer service reviews on insurance companies by region, however, J.D. Power has ranked each of the above companies for the Mid-Atlantic region, including Pennsylvania.

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These rankings are highlighted with State Farm as the superior choice for customer satisfaction. In fact, State Farm was the only company of the three that was rated ahead of the industry average.

GEICO was just below the industry average while Nationwide fell well short. If you’re looking for a great customer service experience, State Farm would be best based on this information.

Thankfully, the National Association of Insurance Commissioners can help support or refute this notion. The NAIC Complaint Index helps indicate which companies field more complaints by volume of consumers. The higher the score, the more complaints the company has.

Below, you’ll find each company’s NAIC Complaint Index:

  • State Farm: 1.46
  • GEICO: 1.70
  • Nationwide: 2.08

In this case, each company’s NAIC Complaint Index matches up with its J.D. Power ranking for customer satisfaction. If you’re a Philadelphia resident and you get competitive rates from each of these companies, State Farm might be the best bet.

More About Auto Insurance in Philadelphia

If you’re looking for a new insurance company in Philadelphia for more than one type of insurance, you’ll likely need a more in-depth quote. Some companies will offer discounts for stacking different insurance policies.

If you wanted to stack Philadelphia life insurance with your new auto insurance policy, you might pay less for each policy if you get them with the same company.

The best way to get accurate quotes is to reach out to your local agent and ask about eligible discounts for all policies. You can do this by calling each company’s Philadelphia insurance phone number nearest to you.

Otherwise, be sure to compare rates from different providers to avoid overpaying for insurance. It could save you thousands in the long run.

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Best Auto Insurance Companies in Philadelphia: The Bottom Line

While Philadelphia residents can expect to pay more for auto insurance, they can save by choosing the right company. Companies like State Farm offer competitive rates and strong customer service.

We hope you found everything you needed to start shopping for Philadelphia auto insurance. Before you go, enter your ZIP code below to get free quotes from the top insurance companies in your area today.