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Who Has the Best Cheap Car Insurance Quotes in Philadelphia?

Find the Cheapest Insurance Quotes in Your Area

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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.

The graph shows the five most affordable car insurance rates and companies in Philadelphia,PA

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.

RankCompanyYearly Rate
1Erie$1,200
2General Casualty$1,200
3Harleysville$1,476
4State Farm$1,488
5Mutual Benefit Group$1,572
6Auto Owners$1,596
7The Hartford$1,632
8Nationwide$1,680
9Chubb$1,728
10State Auto$1,740
11Allied$1,884
12Allstate$1,896
13Donegal Mutual$1,956
14GEICO$2,100
15Atlantic States$2,136
16Progressive$2,190
17National General$2,424
18Motorists Mutual$2,496
19MetLife$2,796
20American Independent$2,832
21Mercury$3,000
22Safe Auto$3,384
23Sentry$3,732

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.

CompanyBest For

Erie

Shopping experience and price

Auto Owners

Claims Process

USAA

Military Members and Family

GEICO

Speed, price and convenience

Progressive

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:

Agent/AgencyAddress
1Pa Auto Insurance Outlet4901 Frankford Ave, Philadelphia, PA 19124, United States
2Freedom Insurance Group, Inc3308 Grant Ave, Philadelphia, PA 19114, United States
3AAA South Philadelphia Car Care Insurance Travel Center1601 S Christopher Columbus Blvd, Philadelphia, PA 19148, United States
4Titan Auto Tags & Insurance533 Spring Garden St, Philadelphia, PA 19123, United States
5Nationwide Insurance: Dennis Charles O Neill850 W Allegheny Ave, Philadelphia, PA 19133, United States
6Allstate Insurance: Tom Stephenson2001 Walnut St, Philadelphia, PA 19103, United States
7Pastore Auto Tags & Insurance Inc.6774 Ridge Ave, Philadelphia, PA 19128, United States
8Allstate Insurance: Joseph Wade143 E Roosevelt Blvd Unit 1, Philadelphia, PA 19120, United States
9Nationwide Insurance: Dennis Charles O Neill7944 Frankford Ave, Philadelphia, PA 19136, United States
10Kathy Levin Auto Insurance2501 S 68th St, Philadelphia, PA 19142, United States
11Allstate Insurance: Thomas D. Meehl2830 Cottman Ave, Philadelphia, PA 19149, United States
12Nationwide Insurance: M Leonard Torrence4554 Rising Sun Ave, Philadelphia, PA 19140, United States
13Broad Street Insurance1122 S Broad St, Philadelphia, PA 19146, United States
14Allstate Insurance: James Carney6530 Rising Sun Ave, Philadelphia, PA 19111, United States
15Allstate Insurance: Hamza Bisharat4500 N Front St, Philadelphia, PA 19140, United States
16Daley Insurance and Auto Tags3536 Cottman Ave, Philadelphia, PA 19149, United States
17John Nicolucci - State Farm Insurance Agent6001 Ridge Ave, Philadelphia, PA 19128, United States
18Allstate Insurance: Rebecca Clemento2507 S Broad St, Philadelphia, PA 19148, United States
19Nationwide Insurance: Ferullo Insurance Agencies LLC1636 S Front St, Philadelphia, PA 19148, United States
20Liberty Mutual - Philadelphia, PA111 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.

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