Car Insurance Cost in Philadelphia, PA – Cheapest Cars to Insure in 2022

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 $2,540 per year, which is 63.8% more than the overall U.S. national average rate of $1,551 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2022 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.Data last updated on May 19, 2022
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$5,752$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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for the 2022 model year with $500 physical damage deductibles. Average car insurance cost in Philadelphia includes all Zip Codes and vehicle trim levels.Data last updated on February 20, 2022
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$9,094$8,494$7,932$7,174
Female$8,008$7,554$6,882$6,378

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 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Philadelphia car insurance cost is based on 2022 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.Data last updated on April 2, 2022
Philadelphia Car Insurance Rates for Popular Vehicles
Philadelphia Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$2,224$185
Honda HR-V$2,280$190
Toyota Tacoma$2,358$197
Toyota RAV4$2,398$200
Ford F150$2,456$205
Nissan Rogue$2,484$207
Toyota Camry$2,498$208
Ford Bronco$2,550$213
Toyota Highlander$2,556$213
Hyundai Santa Fe$2,648$221
Ford Mustang$2,678$223
Chevrolet Silverado$2,732$228
Ram Truck$2,902$242
Jeep Wrangler$2,908$242
Chevrolet Corvette$3,200$267

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 $1,551 (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 $2,202 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.

Cheapest Auto Insurance Rates in Philadelphia
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,932$161
2Nissan Kicks$1,980$165
3Chevrolet Trailblazer$1,990$166
4Subaru Crosstrek$2,040$170
5Honda Passport$2,042$170
6Chevrolet Colorado$2,090$174
7Toyota C-HR$2,098$175
8Buick Encore$2,102$175
9Nissan Rogue Sport$2,116$176
10Hyundai Venue$2,154$180
11Buick Envision$2,162$180
12Kia Seltos$2,162$180
13Ford Maverick$2,172$181
14Acura RDX$2,178$182
15Toyota Corolla Cross$2,178$182
16Subaru Ascent$2,182$182
17Hyundai Kona$2,198$183
18Subaru Forester$2,200$183
19Mazda MX-5 Miata$2,202$184
20Volkswagen Tiguan$2,204$184

    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.Data last updated on March 24, 2022
    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 2022 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.Data last updated on April 12, 2022
    Average Philadelphia Auto Insurance Rates by Vehicle Segment
    Philadelphia Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$2,374$198
    Midsize Pickup$2,438$203
    Minivan$2,556$213
    Midsize SUV$2,570$214
    Compact Car$2,612$218
    Midsize Car$2,648$221
    Half-ton Pickup$2,760$230
    Compact Luxury SUV$2,854$238
    Large SUV$2,864$239
    Compact Luxury Car$2,882$240
    Large Car$2,934$245
    Heavy Duty Pickup$3,028$252
    Midsize Luxury SUV$3,068$256
    Midsize Luxury Car$3,362$280
    Sports Car$3,582$299
    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.

    Cheapest Car Insurance in Philadelphia
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$2,206$184
    Chevrolet SparkCompact$2,212$184
    Volkswagen GolfCompact$2,442$204
    Subaru LegacyMidsize$2,460$205
    Volkswagen JettaCompact$2,466$206
    Honda InsightMidsize$2,468$206
    Nissan SentraCompact$2,476$206
    Kia K5Midsize$2,494$208
    Toyota CamryMidsize$2,498$208
    Toyota CorollaCompact$2,498$208
    Kia RioCompact$2,506$209
    Volkswagen PassatMidsize$2,508$209
    Mazda 3Compact$2,514$210
    Honda CivicCompact$2,516$210
    Mazda 6Midsize$2,530$211
    Toyota PriusCompact$2,538$212
    Hyundai AccentCompact$2,572$214
    Hyundai VelosterCompact$2,594$216
    Kia ForteCompact$2,598$217
    Chevrolet MalibuMidsize$2,638$220

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 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.Data last updated on March 24, 2022
      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 $2,834 per year, the Hyundai Sonata costing $2,894, the Hyundai Elantra at $2,864, and the Volkswagen GTI at an average of $2,542.

      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-5, Nissan Kicks, Chevrolet Trailblazer, Subaru Crosstrek, and Honda Passport. Average rates for for these five models range from $1,932 to $2,042 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.

      Cheapest SUV Insurance in Philadelphia
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,932$161
      Nissan KicksCompact$1,980$165
      Chevrolet TrailblazerCompact$1,990$166
      Subaru CrosstrekCompact$2,040$170
      Honda PassportMidsize$2,042$170
      Toyota C-HRCompact$2,098$175
      Buick EncoreCompact$2,102$175
      Nissan Rogue SportCompact$2,116$176
      Hyundai VenueCompact$2,154$180
      Buick EnvisionCompact$2,162$180
      Kia SeltosCompact$2,162$180
      Toyota Corolla CrossCompact$2,178$182
      Subaru AscentMidsize$2,182$182
      Hyundai KonaCompact$2,198$183
      Subaru ForesterCompact$2,200$183
      Volkswagen TiguanCompact$2,204$184
      Honda CR-VCompact$2,224$185
      Mazda CX-30Compact$2,246$187
      Honda HR-VCompact$2,280$190
      Ford EdgeMidsize$2,288$191

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 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.Data last updated on March 24, 2022
        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 $2,800 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.

        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, 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.

        Cheapest Luxury Car Insurance in Philadelphia
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$2,336$195
        Mercedes-Benz A220Compact$2,496$208
        BMW 330iCompact$2,684$224
        Acura TLXCompact$2,698$225
        Volvo S60Compact$2,724$227
        BMW 330eCompact$2,734$228
        BMW 228iCompact$2,748$229
        BMW 230iCompact$2,768$231
        Alfa Romeo GiuliaCompact$2,816$235
        Lexus RC 300Midsize$2,816$235
        Cadillac CT4Compact$2,822$235
        Lexus RC 350Compact$2,828$236
        Genesis G70Compact$2,864$239
        Mercedes-Benz AMG CLA35Midsize$2,880$240
        BMW i4Midsize$2,896$241
        Cadillac CT5Midsize$2,906$242
        Audi A3Midsize$2,934$245
        Audi A4Compact$2,940$245
        Mercedes-Benz AMG CLA45Midsize$2,946$246
        Audi S3Compact$2,950$246

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 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.Data last updated on March 13, 2022
          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, 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).

          Cheapest Luxury SUV Insurance in Philadelphia
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$2,178$182
          Cadillac XT4Compact$2,232$186
          Volvo XC40Compact$2,446$204
          Cadillac XT5Midsize$2,496$208
          Lexus NX 250Compact$2,526$211
          BMW X1Compact$2,530$211
          Lexus NX 350hCompact$2,542$212
          Lexus UX 250hCompact$2,542$212
          Lexus NX 350Compact$2,586$216
          Lexus UX 200Compact$2,594$216
          Jaguar E-PaceMidsize$2,602$217
          Lexus RX 350Midsize$2,616$218
          Acura MDXMidsize$2,628$219
          Lincoln NautilusMidsize$2,652$221
          Lexus NX 450hCompact$2,658$222
          Mercedes-Benz GLB 250Compact$2,668$222
          Lexus RX 450hMidsize$2,678$223
          Infiniti QX50Midsize$2,684$224
          Land Rover EvoqueCompact$2,684$224
          Lincoln CorsairCompact$2,690$224

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 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.Data last updated on March 13, 2022
            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 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, Chevrolet Corvette, Subaru BRZ, 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.

            Cheapest Sports Car Insurance in Philadelphia
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$2,202$184
            Ford MustangSports Car$2,678$223
            BMW Z4Sports Car$2,732$228
            Subaru WRXSports Car$2,884$240
            Toyota GR86Sports Car$2,960$247
            Toyota GR SupraSports Car$3,026$252
            Audi TTSports Car$3,092$258
            Subaru BRZSports Car$3,188$266
            Chevrolet CorvetteSports Car$3,200$267
            BMW M3Sports Car$3,288$274
            Porsche 718Sports Car$3,432$286
            Chevrolet CamaroSports Car$3,520$293
            Lexus RC FSports Car$3,586$299
            Dodge ChallengerSports Car$3,612$301
            Mercedes-Benz AMG GT53Sports Car$3,666$306
            Jaguar F-TypeSports Car$3,836$320
            Porsche TaycanSports Car$3,940$328
            Porsche 911Sports Car$4,036$336
            BMW M4Sports Car$4,046$337
            Lexus LC 500Sports Car$4,184$349

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 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.Data last updated on April 2, 2022
              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, 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, GMC Canyon, Hyundai Santa Cruz, 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.

              Cheapest Pickup Insurance in Philadelphia
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Chevrolet ColoradoMidsize$2,090$174
              Ford MaverickMidsize$2,172$181
              Ford RangerMidsize$2,256$188
              Toyota TacomaMidsize$2,358$197
              Nissan FrontierMidsize$2,418$202
              GMC CanyonMidsize$2,432$203
              Hyundai Santa CruzMidsize$2,438$203
              Ford F150Full-size$2,456$205
              Honda RidgelineMidsize$2,472$206
              Jeep GladiatorMidsize$2,496$208
              GMC SierraFull-size$2,586$216
              Nissan TitanFull-size$2,682$224
              Toyota TundraFull-size$2,730$228
              Chevrolet SilveradoFull-size$2,732$228
              Ford F350 Super DutyHeavy Duty$2,756$230
              Chevrolet Silverado HD 3500Heavy Duty$2,780$232
              Nissan Titan XDHeavy Duty$2,852$238
              Ram TruckFull-size$2,902$242
              GMC Sierra 2500 HDHeavy Duty$2,964$247
              GMC Sierra 3500Heavy Duty$2,990$249

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 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.Data last updated on March 9, 2022
                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 $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.