Auto Insurance in Philadelphia, PA

Providing a fast and stress-free experience when looking for auto insurance in Philadelphia.

Auto Insurance in Philadelphia and What You Need to Know

Shopping around for estimates on auto insurance in Philadelphia from companies is critical if you wish to find affordable auto insurance in the city. The price of what your friends and acquaintances pay for auto insurance in Philadelphia will fluctuate based on numerous factors--including your age, driving, and history. To help reduce some of your legwork on shopping for auto insurance in Philadelphia, we've gathered auto insurance rates for you. We've found the cheapest alternatives for many kinds of drivers. We've also recorded a couple of crucial factors that affect how much you pay for car insurance in the city.

Percentage increase in Philadelphia car insurance costs compared to national average

73.81 %

Percentage increase in Philadelphia car costs compared to average in Pennsylvania

111.05 %

Percentage increase in Philadelphia car insurance costs compared to most expensive in Pennsylvania

21.42 %

Full Coverage Car Insurance

Protect yourself, others and your passengers. Discover what driving with full coverage in Philadelphia can provide you beyond the peace of mind knowing that everyone and everything are safeguarded.

Liability Car Insurance

Meet the insurance requirements for driving in Philadelphia with a minimum liability auto insurance coverage plan. You better off being protected than not being protected.

High Risk Car Insurance

Finding the best high risk car insurance in Philadelphia can be daunting. We help you weave through the noise so you can get the best car insurance rate in Philadelphia should you a high risk coverage plan.

Home and Auto Insurance

Bundle your next home and auto insurance policy in Philadelphia all into one so you can deal with companies and save. Find out if a home and auto insurance bundle is ideal for you.

Your Driving Record Matters When Getting Auto Insurance in Philadelphia

We've seen the story before or have been a part of it. You're getting quotes for car insurance in Philadelphia and searching for the best deal on an insurance plan. You receive a fantastic car insurance quote which 's affordable and provides all the coverage options you trying to find. Afterward the insurance carrier comes back and informs you that the cost of the insurance premium is more important than you were quoted. What happened? It may be due to insurance points. The number of points added to the record of a driver for a crime varies by location.

best home and auto insurance Philadelphia PA

Your Type of Car Plays a Role on Car Insurance Costs in Philadelphia

The horsepower your vehicle gets, the likelier you will speed up and face the threat of a crash. They are more costly to cover, since cars with more power are involved in more accidents. But a enormous SUV could push the price of your auto insurance in Philadelphia up due to its capacity to inflict a more substantial quantity of damage on other vehicles. If you are seeking to acquire the car insurance, consider cars in the midsize group sedans, midsize SUVs, or minivans. The cost to cover it is weighed significantly on by the worth of A vehicle . For many auto insurance companies, the price of the automobile is your first and factor when setting the cost of your auto insurance in Philadelphia. It is best to consider more lower-priced vehicles in case.

Vehicle TypeAnnual Average Cost of Car Insurance

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Cost of Car Insurance in Philadelphia by Gender and Marital Status

In several states, Gender is no longer a variable which can be used to compute auto insurance prices. In terms of your status, however, it may influence your rates on auto insurance in Philadelphia. Married couples are more likely to receive a auto insurance rate. Never-married individuals have a higher likelihood of driving accidents than women and married men. Besides young singles, divorced people and elderly widows also see higher prices on auto insurance in Philadelphia. For having a national partner, you may be given a discounted insurance fee. But that practice is not as prevalent. The simple reality is that couples are not as inclined to get into car accidents. There are a number of theories about why this may be the situation; some sources say married drivers drive less than their counterparts. Other sources hypothesize that married drivers have less risky and significantly more secure lifestyles compared to singles. Either way, if you got married or are married, then you could qualify for car insurance rates in Philadelphia.

Where You Live in Philadelphia Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Philadelphia

16 %

Annual savings for car insurance in medium sized cities near Philadelphia

9 %

The five-digit amount that informs the post office in can save or cost you thousands of dollars on car insurance in Philadelphia. The postings in auto insurance coverage costs by zip code have little to do with models and all the manufacturers of automobiles and much associated with the crime. Cities with high levels of theft claims and accidents see higher insurance premiums because zip codes are lumped by companies collectively. City drivers nearly always pay. More cars mean more mishaps to put it differently. Other factors that are considered if businesses are pricing your auto insurance in Philadelphia are the status of the streets on your zip code. Zipcodes with roads that are less developed may see higher auto insurance rates.

Average Costs of Auto Insurance in Philadelphia by Types of Coverage

Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,935.00
Auto Insurance with Comprehensive Only2,283.29
Auto Insurance with Comprehensive and Collision3,366.88

Your Credit Affects Your Car Insurance Costs

Apart from your history and the sort of automobile you drive, your credit score can affect what you pay for auto insurance in Philadelphia. Many businesses utilize credit-based insurance policy when deciding the purchase price of your car insurance rates. Studies indicate that using this particular score helps whenever someone is likely to get into an accident insurance is predicted by insurance businesses. In fact, 92 percent of the car insurance companies in Philadelphia now consider your credit rating when calculating how much you will pay for auto insurance. A car insurance policy makes it possible for insurers to gauge the fairest rate for every client. So, in the long run, yes, your credit score can affect your costs on auto insurance in Philadelphia. Even though your credit history plays significantly when it comes to pricing your auto insurance, it's still most important to concentrate on the items which you can control, like paying your bills on time and keeping an eye on how you're applying for the credit.

Average car insurance rate changes in Philadelphia based off credit scores.

64 %

Max car insurance rate changes in Philadelphia based off credit scores

149 %

92 percent of the car insurance companies in Philadelphia now consider your credit rating when calculating how much you will pay for auto insurance.

Philadelphia Car Insurance Rates by Age

The rates for auto insurance in Philadelphia vary considerably by age group. This is just because age groups are more of a liability to pay than others because of a likelihood of costly claims and accidents. The drivers have a propensity to have the maximum quantity of traffic incidents and exhibit behaviour that is reckless than older drivers. They costly to insure as an outcome. Auto insurance prices in Philadelphia fall off for adults once they start to settle around age because they get more experience and also get into injuries in comparison with teens. This tendency continues until drivers reach their seventies, where auto insurance prices start to grow again. But even though age is among the most significant factors that play into the expense of car insurance in Philadelphia, the effect of age on auto insurance rates could vary from state to state. In general, however, you will see that the drivers regularly paying the most massive amount for a Philadelphia auto insurance policy.

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Getting the Best Auto Insurance Rates in Philadelphia

Shopping for and buying auto insurance in Philadelphia may sometimes seem to be an unwelcome cost and experience. Still, it's one you may do to protect you from financial loss related to a traffic collision, automobile theft, natural disaster, or another event. None of us wants to spend more than we will need to for getting auto insurance in Philadelphia, but it's not always clear how to secure auto insurance rates. The only way to make sure you getting the lowest rate possible would be to search around. Insurers supply an range of discounts, which may mean lower insurance costs for customers if they are even looking to bundle their car insurance alongside their home insurance or who meet requirements. Take the chance to examine the costs across vendors and compare them before you select which kind of auto insurance in Philadelphia is ideal for you. And if you need help with that process, we are always here to assist you.