- Average car insurance cost in Philadelphia is $2,540 per year, or $212 per month, for a full-coverage policy.
- Car insurance rates for a few popular vehicles in Philadelphia include the Nissan Rogue at $207 per month, Toyota Corolla at $208, and Honda Civic at $210.
- Compact crossovers like the Mazda CX-5, Subaru Crosstrek, and Toyota C-HR have top rankings for cheap car insurance in Philadelphia.
- Vehicles with the most affordable auto insurance in Philadelphia for their respective segments include the Ford F150 ($2,456 per year), Cadillac XT5 ($2,496 per year), Subaru Impreza ($2,206 per year), and Subaru Legacy ($2,460 per year).
How much does car insurance cost in Philadelphia?
The average cost to insure a vehicle in Philadelphia is $2,540 per year, which is 62.1% more than the overall U.S. national average rate of $1,567 per year. The average monthly cost of car insurance in Philadelphia is $212 for a policy that provides full coverage.
In the state of Pennsylvania, the average car insurance cost is $1,282 per year, so the cost in Philadelphia averages $1,258 more per year. The average cost to insure a vehicle in Philadelphia compared to other Pennsylvania locations is around $1,024 per year more than in Allentown, $1,094 per year more expensive than in Pittsburgh, and $1,056 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.
|Driver Risk Profile||Annual Rate||Monthly Rate|
|High Risk Driver Age 30||$5,752||$479|
|Safe Driver Age 20||$5,038||$420|
|At-fault Accidents Age 40||$3,582||$299|
|Low Deductibles Age 40||$3,298||$275|
|Safe Driver Age 30||$2,674||$223|
|Safe Driver Age 40||$2,540||$212|
|Safe Driver Age 50||$2,314||$193|
|Safe Driver Age 60||$2,270||$189|
|High Deductibles Age 40||$2,146||$179|
|Discount Rate Age 40||$2,110||$176|
Average rates in the chart above range from $2,110 per year for a middle-aged driver who receives many policy discounts to $5,752 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 $2,540 per year in Philadelphia.
As a monthly amount, the average cost to insure a car in Philadelphia ranges from $176 to $479 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 – $9,094 per year or $758 per month
- 17-year-old rated driver – $8,494 per year or $708 per month
- 18-year-old rated driver – $7,932 per year or $661 per month
- 19-year-old rated driver – $7,174 per year or $598 per month
- 20-year-old rated driver – $5,038 per year or $420 per month
- 30-year-old rated driver – $2,674 per year or $223 per month
- 40-year-old rated driver – $2,540 per year or $212 per month
- 50-year-old rated driver – $2,314 per year or $193 per month
- 60-year-old rated driver – $2,270 per year or $189 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.
|Teen Driver Gender||Age 16||Age 17||Age 18||Age 19|
Car insurance for a 16-year-old female in Philadelphia costs an average of $1,086 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 $796 more per year.
The cost to insure Philadelphia drivers’ favorite vehicles
The car insurance rates mentioned previously are an average for all 2022 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.
|Make/Model||Annual Rate||Monthly Rate|
|Hyundai Santa Fe||$2,648||$221|
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 $796 to $1,086 less annually than their male counterparts.
- Insurance for a teenager can be expensive – The average cost ranges from $6,378 to $9,094 per year to insure a teenage driver in Philadelphia.
- Philadelphia car insurance cost is more than the U.S. average – $2,540 (Philadelphia average) versus $1,567 (U.S. average)
- Lower deductible car insurance is more expensive than high deductible – A 50-year-old driver pays an average of $664 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 $1,596 less per year than a 20-year-old driver, $1,804 versus $3,400.
- Car insurance is generally cheaper as you age – Car insurance rates for a 50-year-old driver in Philadelphia are $1,840 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-5, Nissan Kicks, Subaru Crosstrek, and Nissan Rogue Sport. Average car insurance prices for those small SUVs cost $2,116 or less per year, or $176 per month, for full coverage.
Additional vehicles that have affordable auto insurance prices in our car insurance cost comparison are the Hyundai Kona, Buick Envision, Ford Maverick, and Kia Seltos. 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 $2,204 or less per year, or around $184 per month.
The next table ranks the 20 models with the cheapest car insurance in Philadelphia, ordered by cost.
|Rank||Make/Model||Annual Cost||Monthly Cost|
|9||Nissan Rogue Sport||$2,116||$176|
|15||Toyota Corolla Cross||$2,178||$182|
|19||Mazda MX-5 Miata||$2,202||$184|
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.
|Vehicle Segment||Annual Rate||Monthly Rate|
|Compact Luxury SUV||$2,854||$238|
|Compact Luxury Car||$2,882||$240|
|Heavy Duty Pickup||$3,028||$252|
|Midsize Luxury SUV||$3,068||$256|
|Midsize Luxury Car||$3,362||$280|
|Large Luxury SUV||$3,836||$320|
|Large Luxury Car||$4,016||$335|
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 Cadillac XT5 at $2,496 per year for a full coverage policy to the Audi RS 6 costing $3,984 per year, a difference of $1,488 within that segment. As another example, in the large luxury SUV segment, rates range from the Volvo XC90 at $2,750 per year to the Mercedes-Benz Maybach GLS 600 costing $5,024 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 Subaru Impreza at $2,206 per year, the Chevrolet Spark at $2,212 per year, and the Volkswagen Golf at $2,442 per year.
Not the cheapest to insure, but still ranked well, are cars like the Toyota Camry, Nissan Sentra, Kia K5, and Honda Insight, with average annual insurance rates of $2,498 per year or less.
Additional vehicles that rank well include the Chevrolet Malibu, Mazda 3, Kia Forte, Mazda 6, and Honda Civic, which average between $2,498 and $2,638 to insure per year in Philadelphia.
The most affordable non-luxury compact car to insure in Philadelphia is the Subaru Impreza at $2,206 per year. For midsize 2022 models, the Subaru Legacy has the cheapest rates at $2,460 per year. And for full-size sedans, the Toyota Avalon is the cheapest model to insure at $2,664 per year.
The comparison table below ranks the cars with the most affordable average auto insurance rates in Philadelphia, starting with the Subaru Impreza at $184 per month and ending with the Chevrolet Malibu at $220 per month.
|Make/Model||Vehicle Size||Annual Cost||Monthly Cost|
A few of the more popular models that did not rank in the top 20 include the Nissan Maxima at $2,834 per year, the Hyundai Sonata costing $2,894, the Hyundai Elantra at $2,864, and the Volkswagen GTI at an average of $2,542.
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-5, Nissan Kicks, Chevrolet Trailblazer, Honda Passport, and Subaru Crosstrek. Average rates for for these five models range from $1,932 to $2,040 per year.
Some other SUVs that rank well are the Buick Envision, Toyota C-HR, Hyundai Venue, and Buick Encore, with average rates of $2,162 per year or less.
Auto insurance in Philadelphia for this segment for the average driver starts at an average of $161 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-5 at $1,932 per year. For midsize 2022 models, the Honda Passport is the cheapest model to insure at $2,042 per year. And for full-size SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,548 per year.
The next table ranks the twenty SUVs with the most affordable average insurance rates in Philadelphia, starting with the Mazda CX-5 at $161 per month and ending with the Ford Edge at $191 per month.
|Make/Model||Vehicle Size||Annual Cost||Monthly Cost|
|Nissan Rogue Sport||Compact||$2,116||$176|
|Toyota Corolla Cross||Compact||$2,178||$182|
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 $2,800 per year, the Subaru Outback at an average of $2,330, the Honda Pilot at an average of $2,572, and the Toyota 4Runner at $2,474.
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, BMW 330i, Acura TLX, and Volvo S60. Average insurance rates for for these five cars range from $2,336 to $2,724 per year.
Other models that are affordable to insure include the BMW 330e, Lexus RC 300, Alfa Romeo Giulia, and BMW 228i, with average insurance cost of $2,816 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 $2,496 per year. For midsize luxury cars, the Acura ILX is cheapest to insure at $2,336 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $2,980 per year.
The next table ranks the twenty luxury cars with the cheapest auto insurance rates in Philadelphia, starting with the Acura ILX at $2,336 per year and ending with the Audi S3 at $2,950 per year.
|Make/Model||Vehicle Size||Annual Cost||Monthly Cost|
|Alfa Romeo Giulia||Compact||$2,816||$235|
|Lexus RC 300||Midsize||$2,816||$235|
|Lexus RC 350||Compact||$2,828||$236|
|Mercedes-Benz AMG CLA35||Midsize||$2,880||$240|
|Mercedes-Benz AMG CLA45||Midsize||$2,946||$246|
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, Cadillac XT5, and Lexus NX 250. The 2022 model costs an average of $2,178 per year to insure with full coverage.
Rounding out the top 10 are SUVs like the BMW X1, Lexus UX 200, Lexus UX 250h, and Lexus NX 350, with an average cost to insure of $2,594 per year or less.
Additional models worth mentioning include the Jaguar E-Pace, Lincoln Nautilus, Lincoln Corsair, and Acura MDX, which average between $2,594 and $2,690 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 $2,178 per year, or $182 per month. For midsize luxury SUVs, the Cadillac XT5 is the cheapest model to insure at $2,496 per year, or $208 per month. And for full-size luxury SUV models, the Volvo XC90 has the most affordable rates at $2,750 per year, or $229 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 $2,178 per year ($182 per month) and ending with the Lincoln Corsair at $2,690 per year ($224 per month).
|Make/Model||Vehicle Size||Annual Cost||Monthly Cost|
|Lexus NX 250||Compact||$2,526||$211|
|Lexus NX 350h||Compact||$2,542||$212|
|Lexus UX 250h||Compact||$2,546||$212|
|Lexus NX 350||Compact||$2,586||$216|
|Lexus UX 200||Compact||$2,594||$216|
|Lexus RX 350||Midsize||$2,616||$218|
|Lexus NX 450h||Compact||$2,658||$222|
|Mercedes-Benz GLB 250||Compact||$2,668||$222|
|Lexus RX 450h||Midsize||$2,678||$223|
|Land Rover Evoque||Compact||$2,684||$224|
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 BMW Z4, Toyota GR86, Subaru WRX, Ford Mustang, and Mazda MX-5 Miata. Car insurance quotes for these models average $2,960 or less per year, or around $247 per month.
Not the cheapest, but still very affordable, are models like the Audi TT, Subaru BRZ, Chevrolet Corvette, and BMW M3, with average rates of $3,288 per year or less.
Ranked lower than 10th place, but still in the top 20, cars like the Porsche 911, Mercedes-Benz AMG GT53, Porsche Taycan, BMW M4, and Lexus LC 500 average between $3,288 and $4,184 to insure per year.
Car insurance in this segment starts at around $184 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 $184 per month and ending with the Lexus LC 500 at $349 per month.
|Make/Model||Vehicle Type||Annual Cost||Monthly Cost|
|Mazda MX-5 Miata||Sports Car||$2,202||$184|
|Ford Mustang||Sports Car||$2,678||$223|
|BMW Z4||Sports Car||$2,732||$228|
|Subaru WRX||Sports Car||$2,884||$240|
|Toyota GR86||Sports Car||$2,960||$247|
|Toyota GR Supra||Sports Car||$3,026||$252|
|Audi TT||Sports Car||$3,092||$258|
|Subaru BRZ||Sports Car||$3,188||$266|
|Chevrolet Corvette||Sports Car||$3,200||$267|
|BMW M3||Sports Car||$3,288||$274|
|Porsche 718||Sports Car||$3,432||$286|
|Chevrolet Camaro||Sports Car||$3,520||$293|
|Lexus RC F||Sports Car||$3,602||$300|
|Dodge Challenger||Sports Car||$3,612||$301|
|Mercedes-Benz AMG GT53||Sports Car||$3,666||$306|
|Jaguar F-Type||Sports Car||$3,836||$320|
|Porsche Taycan||Sports Car||$3,940||$328|
|Porsche 911||Sports Car||$4,036||$336|
|BMW M4||Sports Car||$4,046||$337|
|Lexus LC 500||Sports Car||$4,184||$349|
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, Nissan Frontier, and Ford Maverick. Rates for these 2022 models average $2,418 or less per year, or around $202 per month.
Also ranking well are pickups like the Honda Ridgeline, Hyundai Santa Cruz, GMC Canyon, and Ford F150, with average annual insurance rates of $2,496 per year or less.
From a monthly standpoint, full-coverage car insurance in this segment for the average driver starts at an average of $174 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 $174 per month and ending with the GMC Sierra 3500 at $249 per month.
|Make/Model||Vehicle Size||Annual Cost||Monthly Cost|
|Hyundai Santa Cruz||Midsize||$2,438||$203|
|Ford F350 Super Duty||Heavy Duty||$2,756||$230|
|Chevrolet Silverado HD 3500||Heavy Duty||$2,780||$232|
|Nissan Titan XD||Heavy Duty||$2,852||$238|
|GMC Sierra 2500 HD||Heavy Duty||$2,964||$247|
|GMC Sierra 3500||Heavy Duty||$2,990||$249|
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 $666 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 $3,056 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 $399 per year compared to a credit rating between 670-739. Conversely, a weak credit rating could cost up to $462 more per year. Not all states use credit score as a rating factor, so check with your agent or company.