Car Insurance Cost in Philadelphia, PA – Cheapest Cars to Insure in 2021

What does average car insurance cost in Philadelphia? We analyze six popular automotive segments to find the vehicles with cheap Philadelphia car insurance quotes.

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How much does car insurance cost in Philadelphia?

The average cost to insure a vehicle in Philadelphia is $2,468 per year, which is 62% more than the overall U.S. national average rate of $1,523 per year. The average monthly cost of car insurance in Philadelphia is $206 for a policy that provides full coverage.

In the state of Pennsylvania, the average car insurance cost is $1,324 per year, so the cost in Philadelphia averages $1,144 more per year. The average cost to insure a vehicle in Philadelphia compared to other Pennsylvania locations is around $1,012 per year more than in Allentown, $1,082 per year more expensive than in Pittsburgh, and $1,038 per year more than in Reading.

The chart below summarizes car insurance cost in Philadelphia for different common policy situations. Rates are averaged for all Philadelphia Zip Codes and shown based on an assortment of driver ages, policy deductibles, and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2021 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Philadelphia includes all Zip Codes and vehicle trim levels.
Philadelphia Car Insurance Cost by Driver Risk Profile
Average Car Insurance Cost in Philadelphia, PA
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$5,590$466
Safe Driver Age 20$4,898$408
At-fault Accidents Age 40$3,480$290
Low Deductibles Age 40$3,206$267
Safe Driver Age 30$2,598$217
Safe Driver Age 40$2,468$206
Safe Driver Age 50$2,244$187
Safe Driver Age 60$2,204$184
High Deductibles Age 40$2,088$174
Discount Rate Age 40$2,048$171

Average rates in the chart above range from $2,048 per year for a middle-aged driver who receives many policy discounts to $5,590 per year for a 20-year-old driver with too many violations and accidents. Throughout our site, the rate used to compare different vehicles is the 40-year-old safe driver rate, which has an average cost of $2,468 per year in Philadelphia.

As a monthly amount, the average cost to insure a car in Philadelphia ranges from $171 to $466 for the same annual rate data shown in the chart above.

The age of the rated driver has a significant impact the cost of auto insurance, so the list below illustrates this by showing the difference in average car insurance rates in Philadelphia for driver ages 16 through 60.

Average car insurance cost for Philadelphia drivers age 16 to 60

  • 16-year-old rated driver – $8,842 per year or $737 per month
  • 17-year-old rated driver – $8,256 per year or $688 per month
  • 18-year-old rated driver – $7,712 per year or $643 per month
  • 19-year-old rated driver – $6,974 per year or $581 per month
  • 20-year-old rated driver – $4,898 per year or $408 per month
  • 30-year-old rated driver – $2,598 per year or $217 per month
  • 40-year-old rated driver – $2,468 per year or $206 per month
  • 50-year-old rated driver – $2,244 per year or $187 per month
  • 60-year-old rated driver – $2,204 per year or $184 per month

The rates listed above for teen drivers assumed a male driver. The next chart illustrates average car insurance rates for teen drivers by gender. Teenage females are expensive to insure, but do tend to have cheaper auto insurance rates than males of the same age.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for the 2021 model year with $500 physical damage deductibles. Average car insurance cost in Philadelphia includes all Zip Codes and vehicle trim levels.
Car Insurance Cost for Teens in Philadelphia
Average Car Insurance Cost in Philadelphia, PA for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$8,842$8,256$7,712$6,974
Female$7,782$7,344$6,690$6,200

Car insurance for a 16-year-old female in Philadelphia costs an average of $1,060 less per year than the cost for a 16-year-old male, while at age 19, the cost difference is smaller but males still pay $774 more per year.

The car insurance rates mentioned previously are an average for all 2021 vehicle models, which is practical for making generalized comparisons such as the average cost difference between different locations in Pennsylvania. Average auto insurance rates work exceptionally well when trying to find the answer to questions like “are car insurance rates in Philadelphia cheaper than in Bethlehem?” or “are car insurance rates in Pennsylvania cheaper than in California?”.

But for more in-depth auto insurance comparisons, it makes more sense to analyze the exact vehicle being insured. Every make and model has a unique profile for liability and physical damage claims, and this data allows for cost comparisons.

The next chart details average car insurance cost in Philadelphia for the more popular models. Later on, there is a section that analyzes additional situations that affect the cost of insuring a few of these models in more detail.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Philadelphia car insurance cost is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Philadelphia Zip Codes.
Philadelphia Car Insurance Rates for Popular Vehicles
Philadelphia Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$1,984$165
Honda HR-V$2,144$179
Toyota Tacoma$2,174$181
Nissan Rogue$2,192$183
Toyota RAV4$2,364$197
Ford F150$2,454$205
Toyota Camry$2,502$209
Hyundai Santa Fe$2,600$217
Ford Mustang$2,612$218
Toyota Highlander$2,634$220
Ford Bronco$2,656$221
Ram Truck$2,656$221
Chevrolet Silverado$2,714$226
Jeep Wrangler$2,808$234
Chevrolet Corvette$3,078$257

Models popular with drivers in Philadelphia tend to be small or midsize sedans like the Hyundai Elantra, Honda Civic, and Nissan Altima and compact and midsize SUVs like the Nissan Rogue and Jeep Grand Cherokee.

Other popular vehicles from other vehicle segments include luxury cars like the Infiniti Q50 and Tesla Model S, luxury SUVs like the Acura MDX and Infiniti QX60, and models from the pickup truck segment like the Ford F-150 and Ford Ranger.

We will explore additional rates later in this article, but before that, let’s make a quick review of the primary concepts we tackled so far in the article.

  • Teenage female drivers pay cheaper rates than teenage males – Teenage females age 16 to 19 pay $774 to $1,060 less annually than their male counterparts.
  • Insurance for a teenager can be expensive – The average cost ranges from $6,200 to $8,842 per year to insure a teenage driver in Philadelphia.
  • Philadelphia car insurance cost is more than the U.S. average – $2,468 (Philadelphia average) versus $1,523 (U.S. average)
  • Lower deductible car insurance is more expensive than high deductible – A 50-year-old driver pays an average of $640 more per year for $250 deductibles versus $1,000 deductibles.
  • Auto insurance rates fall significantly from age 20 to 30 – The average 30-year-old Philadelphia driver will pay $1,538 less per year than a 20-year-old driver, $1,740 versus $3,278.
  • Car insurance is generally cheaper as you age – Car insurance rates for a 50-year-old driver in Philadelphia are $1,772 per year cheaper than for a 20-year-old driver.

What are the cheapest auto insurance rates in Philadelphia?

When all car, SUV, and pickup insurance rates are compared, the models with the cheapest average auto insurance rates in Philadelphia, PA, tend to be crossovers and compact SUVs like the Mazda CX-3, Honda CR-V, Mazda CX-30, and Nissan Rogue Sport. Average car insurance prices for those small SUVs cost $2,042 or less per year, or $170 per month, for full coverage.

Additional vehicles that have affordable auto insurance prices in our car insurance cost comparison are the Mitsubishi Eclipse Cross, Chevrolet Trax, Buick Envision, and Chevrolet Colorado. Average insurance cost is slightly more for those models than the cheapest small SUVs and crossovers at the top of the list, but they still have an average insurance cost of $2,092 or less per year, or around $174 per month.

The next table ranks the 20 models with the cheapest car insurance in Philadelphia, ordered by cost.

Cheapest Auto Insurance Rates in Philadelphia
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-3$1,910$159
2Chevrolet Spark$1,920$160
3Honda CR-V$1,984$165
4Mazda CX-5$2,012$168
5Kia Rio5$2,016$168
6Mazda CX-30$2,016$168
7Ford Ecosport$2,024$169
8Toyota C-HR$2,028$169
9Toyota Corolla$2,030$169
10Nissan Rogue Sport$2,042$170
11Hyundai Kona$2,044$170
12Chevrolet Trax$2,052$171
13Chevrolet Colorado$2,060$172
14Kia Sedona$2,064$172
15Buick Envision$2,066$172
16Nissan Kicks$2,068$172
17Hyundai Venue$2,072$173
18Mitsubishi Eclipse Cross$2,076$173
19Hyundai Tucson$2,080$173
20Kia Sportage$2,084$174

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Philadelphia, PA.
    Cheapest Auto Insurance Rates in Philadelphia

    A table of 20 vehicles with the cheapest insurance in Philadelphia is fine if you just want the absolute lowest rates. Due to the fact that we track over 700 vehicles, less than 3% of total vehicles are shown. Let’s dig deeper into the data and break out the most affordable vehicles a more sensible way.

    This next section details average car insurance cost by vehicle segment. These rates will provide a good foundation of the general vehicle types that have the cheapest rates. The sections after the chart break out and rank the specific models that have the cheapest insurance rates in each segment.

    Philadelphia auto insurance rates by vehicle segment

    If you are considering buying a new vehicle, it’s very useful to know which kinds of vehicles have more favorable insurance rates. As an example, you may be wondering if midsize cars are cheaper to insure than midsize SUVs or if midsize pickups have more affordable insurance than full-size pickups.

    The chart below displays average car insurance cost by vehicle segment in Philadelphia. From an overal segment perspective, small SUVs and midsize pickups tend to have the most affordable average rates, with high-performance exotic models having the most expensive overall car insurance rates.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Philadelphia car insurance cost by segment is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Philadelphia Zip Codes.
    Average Philadelphia Auto Insurance Rates by Vehicle Segment
    Philadelphia Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Large Van$2,230$186
    Small SUV$2,232$186
    Midsize Truck$2,242$187
    Midsize Van$2,304$192
    Midsize Minivan$2,340$195
    Small Car$2,418$202
    Midsize SUV$2,462$205
    Midsize Car$2,552$213
    Large Truck$2,600$217
    Small Luxury SUV$2,660$222
    Large SUV$2,662$222
    Large Car$2,770$231
    Midsize Luxury SUV$2,866$239
    Small Luxury Car$2,872$239
    Heavy Duty Truck$2,952$246
    Midsize Luxury Car$3,308$276
    Sports Car$3,504$292
    Large Luxury SUV$3,558$297
    Large Luxury Car$3,920$327
    Exotic Car$4,966$414

    Rates by automotive segment are close enough to make an overall comparison, but insurance cost varies greatly within each vehicle category listed above.

    For example, in the midsize luxury SUV segment, Philadelphia auto insurance rates range from the Volvo V60 at $2,356 per year for a full coverage policy to the Mercedes-Benz AMG GLE63 costing $3,664 per year, a difference of $1,308 within that segment. As another example, in the large luxury SUV segment, rates range from the Volvo XC90 at $2,640 per year to the Mercedes-Benz G63 AMG costing $4,826 per year.

    In these next sections, we reduce this variability by comparing the cost of car insurance in Philadelphia at the model level rather than the segment level.

    Cheapest cars to insure in Philadelphia

    The top three non-luxury two and four door cars with the lowest-cost auto insurance rates in Philadelphia are the Chevrolet Spark at $1,920 per year, the Kia Rio5 at $2,016 per year, and the Toyota Corolla at $2,030 per year.

    Not the cheapest to insure, but still ranked well, are cars like the Honda Insight, Honda Civic, Mazda 3, and Nissan Sentra, with average annual insurance rates of $2,272 per year or less.

    Additional vehicles that rank well include the Volkswagen Passat, Chevrolet Malibu, Toyota Camry, Toyota Prius, and Kia Forte, which average between $2,272 and $2,506 to insure per year in Philadelphia.

    The most affordable non-luxury compact car to insure in Philadelphia is the Chevrolet Spark at $1,920 per year. For midsize 2021 models, the Honda Insight has the cheapest rates at $2,272 per year. And for full-size sedans, the Kia Cadenza is the cheapest model to insure at $2,480 per year.

    The comparison table below ranks the cars with the most affordable average auto insurance rates in Philadelphia, starting with the Chevrolet Spark at $160 per month and ending with the Volkswagen Passat at $209 per month.

    Cheapest Car Insurance in Philadelphia
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet SparkCompact$1,920$160
    Kia Rio5Compact$2,016$168
    Toyota CorollaCompact$2,030$169
    Volkswagen GolfCompact$2,096$175
    Subaru ImprezaCompact$2,116$176
    Nissan SentraCompact$2,202$184
    Mazda 3Compact$2,226$186
    Honda CivicCompact$2,230$186
    Kia RioCompact$2,266$189
    Honda InsightMidsize$2,272$189
    Hyundai AccentCompact$2,288$191
    Mazda 6Midsize$2,314$193
    Kia ForteCompact$2,320$193
    Chevrolet MalibuMidsize$2,328$194
    Toyota PriusCompact$2,454$205
    Subaru LegacyMidsize$2,468$206
    Kia CadenzaFull-size$2,480$207
    Honda AccordMidsize$2,496$208
    Toyota CamryMidsize$2,502$209
    Volkswagen PassatMidsize$2,506$209

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Philadelphia, PA.
      Cheapest Car Insurance in Philadelphia

      A few of the more popular models that did not rank in the top 20 include the Nissan Maxima at $2,768 per year, the Hyundai Sonata costing $2,824, the Hyundai Elantra at $2,704, and the Volkswagen GTI at an average of $2,530.

      For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

      Don’t see insurance rates for your vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Philadelphia car insurance quotes from the best auto insurance companies in Pennsylvania.

      Cheapest SUVs to insure in Philadelphia

      In our comparison, the top five lowest-cost SUVs to insure in Philadelphia are the Mazda CX-3, Honda CR-V, Mazda CX-5, Mazda CX-30, and Ford Ecosport. Average rates for for these five models range from $1,910 to $2,024 per year.

      Some other SUVs that rank well are the Buick Envision, Toyota C-HR, Chevrolet Trax, and Nissan Rogue Sport, with average rates of $2,066 per year or less.

      Auto insurance in Philadelphia for this segment for the average driver starts at an average of $159 per month, depending on the company.

      When prices are compared by vehicle size, the cheapest non-luxury compact SUV to insure in Philadelphia is the Mazda CX-3 at $1,910 per year. For midsize 2021 models, the Ford Edge is the cheapest model to insure at $2,096 per year. And for full-size SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,546 per year.

      The next table ranks the twenty SUVs with the most affordable average insurance rates in Philadelphia, starting with the Mazda CX-3 at $159 per month and ending with the Chevrolet Equinox at $176 per month.

      Cheapest SUV Insurance in Philadelphia
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-3Compact$1,910$159
      Honda CR-VCompact$1,984$165
      Mazda CX-5Compact$2,012$168
      Mazda CX-30Compact$2,016$168
      Ford EcosportCompact$2,024$169
      Toyota C-HRCompact$2,028$169
      Nissan Rogue SportCompact$2,042$170
      Hyundai KonaCompact$2,044$170
      Chevrolet TraxCompact$2,052$171
      Buick EnvisionCompact$2,066$172
      Nissan KicksCompact$2,068$172
      Hyundai VenueCompact$2,072$173
      Mitsubishi Eclipse CrossCompact$2,076$173
      Hyundai TucsonCompact$2,080$173
      Kia SportageCompact$2,084$174
      Jeep CompassCompact$2,092$174
      Ford EdgeMidsize$2,096$175
      Kia SoulCompact$2,098$175
      Chevrolet EquinoxCompact$2,108$176
      Chevrolet BlazerMidsize$2,114$176

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Philadelphia, PA.
        Cheapest SUV Insurance in Philadelphia

        The most popular SUV models in Philadelphia don’t always have the lowest-cost auto insurance rates. Some of the more popular SUV models that cost more to insure than the 20 vehicles above include the Jeep Grand Cherokee at $2,744 per year, the Subaru Outback at an average of $2,408, the Honda Pilot at an average of $2,266, and the Toyota 4Runner at $2,480.

        For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

        Looking for rates for a different SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Philadelphia car insurance quotes from top companies in Pennsylvania.

        Cheapest luxury car insurance rates in Philadelphia

        The five cheapest luxury cars to insure in Philadelphia are the Acura ILX, Mercedes-Benz A220, Volvo S60, Lexus RC 300, and BMW 330i. Average insurance rates for for these five cars range from $2,288 to $2,646 per year.

        Other models that are affordable to insure include the BMW Z4, Lexus ES 350, Lexus RC 350, and Cadillac CT4, with average insurance cost of $2,724 per year or less.

        When the luxury car segment is analyzed by vehicle size, the cheapest compact luxury car to insure in Philadelphia is the Mercedes-Benz A220 at $2,390 per year. For midsize luxury cars, the Acura ILX is cheapest to insure at $2,288 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $2,772 per year.

        The next table ranks the twenty luxury cars with the cheapest auto insurance rates in Philadelphia, starting with the Acura ILX at $2,288 per year and ending with the Cadillac CT5 at $2,836 per year.

        Cheapest Luxury Car Insurance in Philadelphia
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$2,288$191
        Mercedes-Benz A220Compact$2,390$199
        Volvo S60Compact$2,586$216
        Lexus RC 300Midsize$2,638$220
        BMW 330iCompact$2,646$221
        BMW Z4Compact$2,658$222
        Cadillac CT4Compact$2,662$222
        Acura TLXCompact$2,692$224
        Lexus ES 350Midsize$2,716$226
        Lexus RC 350Compact$2,724$227
        Mercedes-Benz AMG CLA45Midsize$2,732$228
        BMW i3Compact$2,736$228
        BMW 230iCompact$2,748$229
        Lexus IS 300Midsize$2,764$230
        Audi A5Full-size$2,772$231
        Genesis G70Compact$2,782$232
        Alfa Romeo GiuliaCompact$2,784$232
        Audi S3Compact$2,798$233
        Audi A3Midsize$2,808$234
        Cadillac CT5Midsize$2,836$236

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Philadelphia, PA.
          Cheapest Luxury Car Insurance in Philadelphia

          See our guide for luxury car insurance to view any vehicles not shown in the table.

          Looking for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Pennsylvania.

          Cheapest luxury SUV insurance rates in Philadelphia

          The Acura RDX ranks in the top spot for the most budget-friendly luxury SUV model to insure in Philadelphia, followed closely by the Cadillac XT4, Volvo XC40, Volvo V60, and Cadillac XT5. The 2021 model costs an average of $2,102 per year to insure with full coverage.

          Rounding out the top 10 are SUVs like the Lincoln Corsair, Lexus RX 350, Lincoln Nautilus, and Volvo XC60, with an average cost to insure of $2,524 per year or less.

          Additional models worth mentioning include the Lexus UX 200, Infiniti QX50, Land Rover Defender, and BMW X1, which average between $2,524 and $2,626 per year for full-coverage insurance in Philadelphia.

          When ranked by vehicle size, the cheapest small luxury SUV to insure in Philadelphia is the Acura RDX at $2,102 per year, or $175 per month. For midsize luxury SUVs, the Volvo V60 is the cheapest model to insure at $2,356 per year, or $196 per month. And for full-size luxury SUV models, the Volvo XC90 has the most affordable rates at $2,640 per year, or $220 per month.

          The rate comparison table below ranks the twenty SUVs with the lowest-cost car insurance in Philadelphia, starting with the Acura RDX at $2,102 per year ($175 per month) and ending with the Land Rover Defender at $2,626 per year ($219 per month).

          Cheapest Luxury SUV Insurance in Philadelphia
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$2,102$175
          Cadillac XT4Compact$2,172$181
          Volvo XC40Compact$2,216$185
          Volvo V60Midsize$2,356$196
          Cadillac XT5Midsize$2,412$201
          Lincoln CorsairCompact$2,448$204
          Lexus UX 250HCompact$2,466$206
          Lincoln NautilusMidsize$2,478$207
          Volvo XC60Compact$2,492$208
          Lexus RX 350Midsize$2,524$210
          Lexus UX 200Compact$2,526$211
          Mercedes-Benz GLB 250Compact$2,526$211
          BMW X1Compact$2,530$211
          Infiniti QX50Midsize$2,534$211
          Lexus NX 300Compact$2,544$212
          Jaguar E-PaceMidsize$2,548$212
          Mercedes-Benz GLC300Compact$2,560$213
          Lexus RX 350LMidsize$2,594$216
          Cadillac XT6Midsize$2,620$218
          Land Rover DefenderCompact$2,626$219

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Philadelphia, PA.
            Cheapest Luxury SUV Insurance in Philadelphia

            See our guides for luxury SUV insurance to compare rates for additional makes and models.

            Don’t see your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Philadelphia car insurance quotes from the best auto insurance companies in Pennsylvania.

            Cheapest sports cars to insure in Philadelphia

            The top five models for the lowest-cost Philadelphia car insurance rates in the performance and sports car segment are the Audi TT, Nissan 370Z, Subaru WRX, Ford Mustang, and Mazda MX-5 Miata. Car insurance quotes for these models average $2,866 or less per year, or around $239 per month.

            Not the cheapest, but still very affordable, are models like the Subaru BRZ, Porsche 718, Chevrolet Corvette, and Chevrolet Camaro, with average rates of $3,150 per year or less.

            Ranked lower than 10th place, but still in the top 20, cars like the Mercedes-Benz AMG GT, Aston Martin Vantage, BMW i8, BMW Alpina B7, and Mercedes-Benz Maybach average between $3,150 and $5,006 to insure per year.

            Car insurance in this segment starts at around $178 per month, depending on your location and insurance company. The rate comparison table below ranks the twenty sports cars with the cheapest insurance rates in Philadelphia, starting with the Mazda MX-5 Miata at $178 per month and ending with the Mercedes-Benz Maybach at $417 per month.

            Cheapest Sports Car Insurance in Philadelphia
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$2,138$178
            Ford MustangSports Car$2,612$218
            Audi TTSports Car$2,780$232
            Subaru WRXSports Car$2,814$235
            Nissan 370ZSports Car$2,866$239
            Toyota SupraSports Car$2,878$240
            Subaru BRZSports Car$3,008$251
            Porsche 718Sports Car$3,064$255
            Chevrolet CorvetteSports Car$3,078$257
            Chevrolet CamaroSports Car$3,150$263
            Dodge ChallengerSports Car$3,382$282
            Jaguar F-TypeSports Car$3,814$318
            Lexus LC 500Sports Car$3,956$330
            Porsche 911Sports Car$4,108$342
            Acura NSXSports Car$4,678$390
            BMW i8Sports Car$4,680$390
            Audi R8Sports Car$5,030$419
            Nissan GT-RSports Car$5,036$420

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Philadelphia, PA.
              Cheapest Sports Car Insurance in Philadelphia

              Don’t see your sports car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Philadelphia.

              Cheapest pickup trucks to insure in Philadelphia

              Ranking in the top five for the cheapest Philadelphia auto insurance rates in the pickup segment are the Toyota Tacoma, Chevrolet Colorado, Ford Ranger, GMC Canyon, and Nissan Frontier. Rates for these 2021 models average $2,352 or less per year, or around $196 per month.

              Also ranking well are pickups like the Toyota Tundra, Jeep Gladiator, Honda Ridgeline, and Ford F150, with average annual insurance rates of $2,604 per year or less.

              From a monthly standpoint, full-coverage car insurance in this segment for the average driver starts at an average of $172 per month, depending on your location. The comparison table below ranks the twenty pickups with the cheapest car insurance in Philadelphia, starting with the Chevrolet Colorado at $172 per month and ending with the Ram Truck 2500 at $249 per month.

              Cheapest Pickup Insurance in Philadelphia
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Chevrolet ColoradoMidsize$2,060$172
              Nissan FrontierMidsize$2,166$181
              Ford RangerMidsize$2,168$181
              Toyota TacomaMidsize$2,174$181
              GMC CanyonMidsize$2,352$196
              Jeep GladiatorMidsize$2,376$198
              Honda RidgelineMidsize$2,400$200
              Ford F150Full-size$2,454$205
              Toyota TundraFull-size$2,508$209
              GMC SierraFull-size$2,604$217
              Ram TruckFull-size$2,656$221
              Nissan TitanFull-size$2,666$222
              Chevrolet SilveradoFull-size$2,714$226
              Chevrolet Silverado HD 3500Heavy Duty$2,764$230
              GMC Sierra 2500 HDHeavy Duty$2,874$240
              Chevrolet Silverado HD 2500Heavy Duty$2,892$241
              GMC Sierra 3500Heavy Duty$2,946$246
              Ford F250 Super DutyHeavy Duty$2,982$249
              Ford F350 Super DutyHeavy Duty$2,982$249
              Ram Truck 2500Heavy Duty$2,988$249

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Philadelphia, PA.
                Cheapest Pickup Insurance in Philadelphia

                See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

                Don’t see your pickup in the list? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Philadelphia car insurance quotes from top-rated auto insurance companies in Pennsylvania.

                How to find cheaper car insurance in Philadelphia

                Financially savvy drivers in Philadelphia are often looking to save money on insurance, so take a minute and read through the money-saving tips in the list below and it’s very possible you can save some money the next time you buy a policy.

                • Obey driving laws to keep insurance rates low. In order to have the cheapest car insurance in Philadelphia, it pays to follow the law. A couple of minor infractions could increase the cost of a policy by at least $646 per year.
                • Remain claim free. Most car insurance companies reduce rates a little if you have not filed any claims. Auto insurance is intended to be used in the case of significant financial loss, not for minor claims that can easily be paid out-of-pocket.
                • Choose vehicles that have cheaper insurance. The vehicle you choose to drive is one of the primary factors in the price you pay for car insurance in Philadelphia. As an example, a Subaru Forester costs $2,866 less per year to insure in Philadelphia than a Nissan GT-R. Buy cheaper models and save money.
                • Shop around. Setting aside the time to get free car insurance quotes is our best recommendation for saving the most money. Rates are always changing and you can switch anytime.
                • Bring up your credit score and save. Having a good credit rating over 800 could save up to $387 per year compared to a credit rating between 670-739. Conversely, a weak credit rating could cost up to $449 more per year. Not all states use credit score as a rating factor, so check with your agent or company.