Philadelphia drivers pay an average of $2,684/year — $913 more than the national average. With 25,561 crashes per year and a 5.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $1,016/year.
(888) 217-6781Estimated full coverage auto insurance rates for Philadelphia, PA from top carriers. Rates are adjusted for Philadelphia's 25,561 annual crashes, 5.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $1,020 | $170/mo |
| Erie Insurance | $1,072 | $179/mo |
| Progressive | $1,145 | $191/mo |
| State Farm | $1,255 | $209/mo |
| Allstate | $1,527 | $254/mo |
Estimates based on 2026 rate filings for ZIP 19102. GEICO is cheapest at ~$170/mo. Actual rates vary by driver profile and exact Philadelphia location.
These Philadelphia-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Philadelphia, PA. Takes under 2 minutes.
(888) 217-6781Philadelphia is one of the largest metropolitan areas in Pennsylvania, and its size directly impacts auto insurance rates. With a population of 1,603,797, the city sees heavy traffic volume, higher accident frequency, and elevated vehicle theft — all factors that push premiums above the state average. Major highways running through Philadelphia create high-risk corridors where multi-vehicle accidents are common. Despite higher base rates, Philadelphia drivers can find significant savings by comparing carriers.
For official Pennsylvania insurance regulations, visit the Pennsylvania Insurance Department. For driver licensing, see the PennDOT.
Your specific ZIP code within Philadelphia can swing your premium by hundreds of dollars. Here's how rates compare across Philadelphia neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 19108 | Philadelphia South Side | $2,563/yr | $214/mo |
| 19106 | Philadelphia North Side | $2,602/yr | $217/mo |
| 19106 | Philadelphia West Side | $2,621/yr | $218/mo |
| 19108 | Philadelphia East Side | $2,753/yr | $229/mo |
| 19102 | Philadelphia Downtown/Central | $2,927/yr | $244/mo |
The cheapest ZIP is 19108 (Philadelphia South Side) at $2,563/yr. The most expensive is 19102 (Philadelphia Downtown/Central) at $2,927/yr — a $364/year difference for the same driver.
Your Philadelphia ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Philadelphia. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,636/yr | $470/mo | +110% vs avg |
| Young Adult (20-25) | $3,758/yr | $313/mo | +40% vs avg |
| Adult (26-35) | $2,684/yr | $224/mo | 0% vs avg |
| Mid-Career (36-50) | $2,362/yr | $197/mo | -12% vs avg |
| Senior (51-65) | $2,228/yr | $186/mo | -17% vs avg |
| 65+ | $2,389/yr | $199/mo | -11% vs avg |
Teens in Philadelphia pay an average of $5,636/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,228/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Pennsylvania cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Philadelphia drivers can save up to $1,016/year. ZIP 19108 (Philadelphia South Side) has the lowest rates starting at $2,563/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes