Philadelphia County Auto Insurance Rates, Quotes, Agents & Reviews in PA

Philadelphia County, PA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Philadelphia County, PA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Philadelphia County, PA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Philadelphia County, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Philadelphia County, PA with that of other cities in and around Philadelphia County.

Philadelphia County Philadelphia Wyncote Rockledge Palmyra Pennsauken
Average Insurance Rates $1,424 $1,424 $1,582 $1,498 $1,624 $1,617

Philadelphia County, PA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Philadelphia County, PA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Philadelphia County $1,420 $1,200
Philadelphia $1,467 $1,239
Cheltenham $2,158 $1,823
Pennsauken $1,698 $1,435
Camden $2,023 $1,709
Palmyra $1,668 $1,409
Rockledge $1,375 $1,161
Wyncote $1,629 $1,376

Philadelphia County, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Philadelphia County, PA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,621
20 Years $1,830
30 Years $1,409
40 Years $1,356
50 Years $1,256
60 Years $1,273
70 Years $1,482

Philadelphia County, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Philadelphia County, PA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,449 $399
3 Vehicles $3,674 $598
4 Vehicles $4,899 $797

Savings on 2 Vehicles bundle:$399

Savings on 3 Vehicles bundle:$598

Savings on 4 Vehicles bundle:$797


Philadelphia County, PA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Philadelphia County, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Philadelphia County $1,424 $2,242
Philadelphia $1,424 $2,242
Cheltenham $1,523 $2,397
Pennsauken $1,617 $2,770
Camden $1,575 $2,698
Palmyra $1,624 $2,782
Rockledge $1,498 $2,358
Wyncote $1,582 $2,490

Philadelphia County, PA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,222
Excellent (740-799) $1,395
Good (670-739) $1,484
Average (580-669) $1,936
Poor (300-579) $2,323

Philadelphia County, PA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Joe Ems State Farm 7348 Frankford Ave, Philadelphia, 19136-3829 215-333-5100
Sal Vacchiano State Farm 1137 Old York Rd, Abington, 19001-3816 215-572-1200
Becker Insurance Agency Inc Liberty Mutual Independent 419 DAVISVILLE RD, WILLOW GROVE, 19090 (215) 659-8910
Bruce Jones Allstate 517 W Moreland Rd, Willow Grove, 19090 (215) 784-0100
The Graham Company Travelers 1 Penn Sq W, Philadelphia, 19102 None
Gannon Insurance Inc Nationwide 706 N 2nd Street, Philadelphia, 19123 (215) 629-2800
Dennis Charles Oneill Nationwide 850 W Allegheney Ave, Philadelphia, 19133 (215) 228-8870
Penta Corporation Travelers 7501 CASTOR AVE, PHILADELPHIA, 19152 215-342-1111
Reisen Agency Inc Travelers 633 BURMONT RD, DREXEL HILL, 19026 610-259-5500
Bon-Sin Realty Company Travelers 2010 OREGON AVE 2ND FL, PHILADELPHIA, 19145 215-462-3800
H&M Insurance Agency Llc None 5829 Rising Sun Ave, Philadelphia, 19120 None

Philadelphia County, PA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$63 $1,487
Driver's Failure In Showing Documents +$138 $1,562
Driving With An Expired Registration +$147 $1,571
Driving At A Considerably Slow Pace +$309 $1,733
Using A Cellphone While Driving +$326 $1,750
Running A Red Light +$332 $1,756
Speeding +$349 $1,773
Driving A Vehicle Without The Required Permission +$443 $1,867
Driving With An Expired/Suspended License +$960 $2,384

Philadelphia County, PA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,367
Active Disabling Device $1,367
Tracking Device $1,339
Passive Disabling Device $1,324