Philadelphia is the center of hundreds and thousands of commuters as well as over one million native residents. Philly drivers and commuters likely need to shop for car insurance at least once a year. The only way to know if you are getting a good deal at one company is to compare quotes across several insurers. We make it a bit easier for Philadelphians by comparing several companies for them to see which are the most affordable and best all around for their auto insurance.
Cheapest Car Insurance Companies in Philadelphia
The cheapest car insurance company in Philadelphia is Erie. The small, yet reliable company offered auto insurance rates that were nearly half as expensive as the city average. Overall rates in the City of Brotherly Love rose as high as $3,732 for certain companies for our sample driver. It will be crucial to comparison shop in Philadelphia considering the staggering price difference between companies.
For a full list of the companies we explored, you may see the table below. Numbers are representative of a 30 year old male who drives a 2011 Toyota Camry and has a clean driving record. Depending on whether you have accidents on your record, are a young driver, or drive a certain type of car, your actual rates will likely be different.
|5||Mutual Benefit Group||$1,572|
Best Car Insurance Companies in Philadelphia
The best car insurance company is one that excels in customer satisfaction and offers a smooth claims handling process. As we discuss more here, there are also a handful of factors that go into determining the best company. Overall, the following are the ones we consider the "best" car insurance companies for Philadelphians.
|Shopping experience and price|
|Military Members and Family|
|Speed, price and convenience|
|After an at-fault accident|
According to J.D. Power, Erie has the best shopping experience of any auto insurance company. Coupled with great pricing, and being in one of the nine states the company operates in, Philadelphians should definitely take advantage of quotes from Erie. Auto Owners was ranked by J.D. Power for having the best claims handling process, so if having a smooth time after an accident is important to you, consider going with them. While we don't have prices for USAA, the company usually proves to be the cheapest for military members and their families. Lastly, Progressive proved to increase rates the least for companies operating in Pennsylvania, 1.3x, after an at-fault accident.
Car Insurance Agents and Agencies in Philadelphia
Beside companies like GEICO and Progressive, most companies still require you purchase a policy through an agent. You may start your quote online and get a price, but ultimately it gets passed onto an agent to review. If you prefer to go visit an agent to start your policy (after comparing which companies are the best for you) you can find a few below:
|1||Pa Auto Insurance Outlet||4901 Frankford Ave, Philadelphia, PA 19124, United States|
|2||Freedom Insurance Group, Inc||3308 Grant Ave, Philadelphia, PA 19114, United States|
|3||AAA South Philadelphia Car Care Insurance Travel Center||1601 S Christopher Columbus Blvd, Philadelphia, PA 19148, United States|
|4||Titan Auto Tags & Insurance||533 Spring Garden St, Philadelphia, PA 19123, United States|
|5||Nationwide Insurance: Dennis Charles O Neill||850 W Allegheny Ave, Philadelphia, PA 19133, United States|
|6||Allstate Insurance: Tom Stephenson||2001 Walnut St, Philadelphia, PA 19103, United States|
|7||Pastore Auto Tags & Insurance Inc.||6774 Ridge Ave, Philadelphia, PA 19128, United States|
|8||Allstate Insurance: Joseph Wade||143 E Roosevelt Blvd Unit 1, Philadelphia, PA 19120, United States|
|9||Nationwide Insurance: Dennis Charles O Neill||7944 Frankford Ave, Philadelphia, PA 19136, United States|
|10||Kathy Levin Auto Insurance||2501 S 68th St, Philadelphia, PA 19142, United States|
|11||Allstate Insurance: Thomas D. Meehl||2830 Cottman Ave, Philadelphia, PA 19149, United States|
|12||Nationwide Insurance: M Leonard Torrence||4554 Rising Sun Ave, Philadelphia, PA 19140, United States|
|13||Broad Street Insurance||1122 S Broad St, Philadelphia, PA 19146, United States|
|14||Allstate Insurance: James Carney||6530 Rising Sun Ave, Philadelphia, PA 19111, United States|
|15||Allstate Insurance: Hamza Bisharat||4500 N Front St, Philadelphia, PA 19140, United States|
|16||Daley Insurance and Auto Tags||3536 Cottman Ave, Philadelphia, PA 19149, United States|
|17||John Nicolucci - State Farm Insurance Agent||6001 Ridge Ave, Philadelphia, PA 19128, United States|
|18||Allstate Insurance: Rebecca Clemento||2507 S Broad St, Philadelphia, PA 19148, United States|
|19||Nationwide Insurance: Ferullo Insurance Agencies LLC||1636 S Front St, Philadelphia, PA 19148, United States|
|20||Liberty Mutual - Philadelphia, PA||111 S Independence Mall E #606, Philadelphia, PA 19106, United States|
Minimum Car Insurance in Pennsylvania: Requirements
Mostly every state has a minimum required amount of insurance for people to be allowed to drive. We recommend that most drivers opt for a higher form of coverage than just the minimum.
- Bodily Injury Liability Coverage: $15,000 per person & $30,000 per accident
- Property Damage Liability Coverage: $5,000
- Uninsured Motorist Coverage: $15,000 per person & $30,000 per accident
- Underinsured Motorist Coverage: $15,000 per person & $30,000 per accident
- First Party Benefits Medical Payments: $5,000
We should note that drivers are allowed to opt out of the under/uninsured motorist provisions if they so choose.