Philadelphia, PA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Philadelphia, 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.
Affordable Car Insurance in Philadelphia
Philadelphia is the sixth most populous city in the USA. Recently Philadelphians have witnessed vehicle break-ins spike and a surge in reported motor and scooters thefts. Therefore, it is crucial to take necessary precautions before an unexpected situation arises. Most people secure their vehicle by opting for auto insurance in Philadelphia.
The average cost of Philadelphia car insurance is $1,424. Philadelphia's auto insurance rates are low compared to neighboring cities like Rockledge, Cheltenham, Palmyra, Wyncote, and Camden.
Policies of auto insurance may vary from city to city. As your driving profile changes, so do the premium charges. It also depends on certain factors, including the driver's age, credit score, driving history, current location, car safety features, and others.
Zimlon, through its analysis, has explored all the factors in detail as it is necessary to understand the cost of insurance and the coverage requirements that will satisfy your budget and needs.
Top Philadelphia Car Insurance Company
Here are the top insurance providers and the average auto insurance cost in Philadelphia, PA.
Auto Insurance Based on Deductibles
A deductible is the part of an insurance claim that has to be paid by the auto owner. Insured can opt for higher deductibles to save money on car insurance. A higher deductible leads to a decrease in the cost of car insurance. Therefore, auto owners in Philadelphia availing a high deductible of 1000 have to pay a premium of $1,200, whereas auto owners who opted for a low deductible of 500 have to pay $1,420. Here, homeowners can save up to $220 by choosing a high deductible.
Auto Insurance Based on Age of the Driver
The driver's age plays a major role in deciding the cost of the insurance. Generally, middle-aged drivers are considered more responsible behind the wheel. Therefore, the premium charged is lower when compared to teenagers and early drivers. In Philadelphia, middle-aged drivers of 30 to 40 years pay around $1,409 and $1,356, respectively. In contrast, teenagers and 20 years above pay $4,621 and $1,830, respectively, on auto insurance.
Auto Insurance Post-DUI
DUI refers to Driving Under the Influence (DUI). Rash driving, possession of drugs or alcohol, offense of driving, or any regulation that violates driving rules comes under DUI. Here, if a person is convicted of driving under the influence, insurance rates tend to go up.
In Philadelphia, the Post-DUI insurance rate is $2,242. If the auto owner is convicted of DUI, they have to pay $818 extra on the average auto insurance rate.
Auto Insurance based on Credit Score
Most insurance providers analyze the credit score to determine the Philadelphia car insurance rates. For instance, car owners with exceptional credit scores have to pay $1,222, whereas car owners with poor credit scores have to pay $2,323. Therefore, car owners must maintain a good credit score to avail of discounts on car insurance rates.
Factors that can influence the cost of car insurance in Philadelphia, 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, PA Auto Insurance Rates
- Philadelphia, PA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Philadelphia, PA
- Multi Vehicle Insurance Savings in Philadelphia, PA
- How Credit Score Affects Car Insurance Rates in Philadelphia, PA
- How DUI Affects Auto Insurance Premiums in Philadelphia, PA
- Top Auto Insurance Agents Near Philadelphia, PA
- How Driving Violations Affect Auto Insurance Rates in Philadelphia, PA
- Philadelphia, PA Auto Insurance Discounts on Anti Theft Feature
- Philadelphia, PA Auto Insurance Company Reviews
Philadelphia, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Philadelphia, PA with that of other cities in and around Philadelphia.
| Philadelphia | Rockledge | Cheltenham | Palmyra | Wyncote | Camden | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,424 | $1,498 | $1,523 | $1,624 | $1,582 | $1,575 |
Philadelphia, 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, 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, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Philadelphia, 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, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Philadelphia, 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 | $2,478 | $370 |
| 3 Vehicles | $3,717 | $555 |
| 4 Vehicles | $4,956 | $740 |
Savings on 2 Vehicles bundle:$370
Savings on 3 Vehicles bundle:$555
Savings on 4 Vehicles bundle:$740
Philadelphia, 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, 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, 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, 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 |
|---|---|---|---|
| Mike Nelson | State Farm | 959 Bristol Pike, Bensalem, 19020-8139 | 267-523-5413 |
| Watlington & Cooper Inc | Travelers | 6624 GERMANTOWN AVE, PHILADELPHIA, 19119 | 215-599-5952 |
| Paul Nawrocki | State Farm | 6388 Castor Ave, Philadelphia, 19149-2733 | 215-728-7400 |
| Gannon Insurance Associates Inc | Nationwide | 124 N 9th Street, Philadelphia, 19107 | (215) 629-1566 |
| Rob Vahey | GEICO | 333 East Lancaster Avenue Suite B, Wynnewood, 19096 | (610) 992-1500 |
| Nickens Agency Inc | Travelers | 1550 WADSWORTH AVE, PHILADELPHIA, 19150 | 215-242-4090 |
| Bill Nicola | State Farm | 122 Bala Ave, Bala Cynwyd, 19004-3024 | 610-667-4711 |
| Jessalyn Phillips | Liberty Mutual | 111 S. Independence Mall E. Suite 606, Philadelphia, 19106 | 1-215-925-7915 |
| Thomas J Lennon Lutcf | Nationwide | 1305 Cottman Ave, Philadelphia, 19111 | (267) 538-2711 |
| Stephen Vahey | Allstate | 1164 Easton Rd, Roslyn, 19001 | (215) 886-0886 |
| Terra Insurance Services Llc | Erie | 6911 Castor Ave, Philadelphia, 19149 | None |
Philadelphia, 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, 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 |
Latest Auto Insurance Reviews in Philadelphia, PA | Back to Top
State FarmOur car insurance premium is lower than a few other agencies wanted to charge, and they didn't offer the rental car or towing features. We have a mid range deductible by our choosing.
ProgressiveBefore I decided on Progressive, I had shopped around other insurers, but ended up with Progressive because they were the cheaper option.
ProgressiveAlthough, I did look at other auto insurance providers I liked the way the company has been around, and I have used them in the past.
State FarmI would completely recommend State Farm in any capacity. They are responsive and customer oriented. They have a great level of coverage at a low premium and deductible.
AllstateMy deductible is a standard amount for my coverage. I am nominally satisfied as my needs are not very extensive.
AllstateWe have benefited from the good-driver discount and our agent has been informative in clarifying and helping us set the optimal coverage levels for our situation.
EsuranceWhile considering about car insurance company Esurance insurance provide a good service for their customers.
EsuranceWhile considering about car insurance company Esurance insurance provide a good service for their customers.
Liberty MutualI think our deductible is pretty standard in the industry, I want to say it's $500. I can't remember for sure, but I think it's comparable to the previous policy that I held.
Liberty MutualI think our deductible is pretty standard in the industry, I want to say it's $500. I can't remember for sure, but I think it's comparable to the previous policy that I held.
ProgressiveThere is ease of use with Progressive. Also, they are willing to work with cases that other companies may turn down. They also have good customer service in my personal experiences with them.
American National Property And Casualty CompanyI was nervous at first to go with a less well known insurance company. However, there rates are very competitive and their coverage is comparable to some of the larger companies out there. I have not had to file a claim quite yet so I do not know how that process goes at this time.
Safeco InsuranceI really like having a local office that I can visit and see the people eye-to-eye when there is a problem or need for change in coverage.
ProgressiveMy company has a local office and a website. I like that they have a local office because they can help you with any of your needs, and they do it quickly and promptly. Websites are great, but I like talking to real people.
State FarmI enjoy the fact that my agent is local. I can stop in her office any time to review and/or make changes to my policy,
State FarmI pay over a hundred dollars for liability only. My vehicle is also a 2001 model which makes it over 17 years old. This seems to be quite high for insurance for liability only and for such an old vehicle.
GeicoTheir customer service and the price is excellent