Car Insurance Cost in Philadelphia, PA – Cheapest Cars to Insure in 2023

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 $2,758 per year, which is 63.7% more than the overall U.S. national average rate of $1,685 per year. The average monthly cost of car insurance in Philadelphia is $230 for a policy that provides full coverage.

In the state of Pennsylvania, the average car insurance cost is $1,694 per year, so the cost in Philadelphia averages $1,064 more per year. The average cost to insure a vehicle in Philadelphia compared to other Pennsylvania locations is around $1,064 per year more than in Allentown, $1,138 per year more expensive than in Pittsburgh, and $1,096 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 2023 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 December 30, 2022
Philadelphia Car Insurance Cost by Driver Risk Profile
2023 Average Car Insurance Cost in Philadelphia, PA
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$6,264$522
Safe Driver Age 20$5,488$457
At-fault Accidents Age 40$3,892$324
Low Deductibles Age 40$3,596$300
Safe Driver Age 30$2,910$243
Safe Driver Age 40$2,758$230
Safe Driver Age 50$2,512$209
Safe Driver Age 60$2,466$206
High Deductibles Age 40$2,326$194
Discount Rate Age 40$2,290$191

Average rates in the chart above range from $2,290 per year for a middle-aged driver who receives many policy discounts to $6,264 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 $2,758 per year in Philadelphia.

As a monthly amount, the average cost to insure a car in Philadelphia ranges from $191 to $522 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 – $9,882 per year or $824 per month
  • 17-year-old rated driver – $9,240 per year or $770 per month
  • 18-year-old rated driver – $8,630 per year or $719 per month
  • 19-year-old rated driver – $7,814 per year or $651 per month
  • 20-year-old rated driver – $5,488 per year or $457 per month
  • 30-year-old rated driver – $2,910 per year or $243 per month
  • 40-year-old rated driver – $2,758 per year or $230 per month
  • 50-year-old rated driver – $2,512 per year or $209 per month
  • 60-year-old rated driver – $2,466 per year or $206 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 2023 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 December 30, 2022
Car Insurance Cost for Teens in Philadelphia
Average Car Insurance Cost in Philadelphia, PA for Teenage Drivers
Gender Driver Age 16 Age 17 Age 18 Age 19
Male$9,882$9,240$8,630$7,814
Female$8,698$8,214$7,492$6,948

Car insurance for a 16-year-old female in Philadelphia costs an average of $1,184 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 $866 more per year.

The car insurance rates mentioned previously are an average for all 2023 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 2023 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 December 30, 2022
Philadelphia Car Insurance Rates for Popular Vehicles
Philadelphia Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda HR-V$2,294$191
Honda CR-V$2,340$195
Toyota Tacoma$2,520$210
Nissan Rogue$2,536$211
Toyota RAV4$2,556$213
Toyota Camry$2,624$219
Toyota Highlander$2,756$230
Ford F150$2,806$234
Hyundai Santa Fe$2,830$236
Ford Mustang$2,992$249
Chevrolet Silverado$3,016$251
Ram Truck$3,016$251
Jeep Wrangler$3,056$255
Ford Bronco$3,066$256
Chevrolet Corvette$3,402$284

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 $866 to $1,184 less annually than their male counterparts.
  • Insurance for a teenager can be expensive – The average cost ranges from $6,948 to $9,882 per year to insure a teenage driver in Philadelphia.
  • Philadelphia car insurance cost is more than the U.S. average – $2,758 (Philadelphia average) versus $1,685 (U.S. average)
  • Lower deductible car insurance is more expensive than high deductible – A 50-year-old driver pays an average of $1,082 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 $2,578 less per year than a 20-year-old driver, $2,910 versus $5,488.
  • Car insurance is generally cheaper as you age – Car insurance rates for a 50-year-old driver in Philadelphia are $2,976 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 Chevrolet Trailblazer, Subaru Crosstrek, Nissan Rogue Sport, and Buick Envision. Average car insurance prices for those small SUVs cost $2,206 or less per year, or $184 per month, for full coverage.

Additional vehicles that have affordable auto insurance prices in our car insurance cost comparison are the Hyundai Kona, Hyundai Venue, Ford Maverick, and Subaru Impreza. 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 $2,340 or less per year, or around $195 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
1Chevrolet Trailblazer$2,088$174
2Subaru Crosstrek$2,108$176
3Nissan Kicks$2,116$176
4Honda Passport$2,144$179
5Nissan Rogue Sport$2,154$180
6Mazda CX-5$2,168$181
7Buick Encore$2,200$183
8Buick Envision$2,206$184
9Kia Seltos$2,236$186
10Subaru Ascent$2,244$187
11Hyundai Venue$2,250$188
12Subaru Impreza$2,282$190
13Ford Maverick$2,290$191
14Honda HR-V$2,294$191
15Chevrolet Colorado$2,296$191
16Acura RDX$2,302$192
17Hyundai Kona$2,314$193
18Subaru Forester$2,326$194
19Ford Edge$2,338$195
20Honda CR-V$2,340$195

    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 December 30, 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 2023 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 December 30, 2022
    Average Philadelphia Auto Insurance Rates by Vehicle Segment
    Philadelphia Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$2,512$209
    Midsize Pickup$2,604$217
    Midsize SUV$2,692$224
    Minivan$2,702$225
    Compact Car$2,748$229
    Midsize Car$2,814$235
    Compact Luxury SUV$2,986$249
    Half-ton Pickup$2,992$249
    Large SUV$3,020$252
    Compact Luxury Car$3,036$253
    Heavy Duty Pickup$3,172$264
    Midsize Luxury SUV$3,204$267
    Large Car$3,208$267
    Midsize Luxury Car$3,506$292
    Sports Car$3,770$314
    Large Luxury SUV$4,054$338
    Large Luxury Car$4,260$355

    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 Lexus RX 350 at $2,470 per year for a full coverage policy to the BMW XM costing $4,492 per year, a difference of $2,022 within that segment. As another example, in the large luxury SUV segment, rates range from the Volvo XC90 at $2,844 per year to the Mercedes-Benz Maybach GLS 600 costing $5,244 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 $2,282 per year, the Volkswagen Jetta at $2,520 per year, and the Subaru Legacy at $2,542 per year.

    Not the cheapest to insure, but still ranked well, are cars like the Kia K5, Toyota Prius, Toyota Camry, and Volkswagen Golf, with average annual insurance rates of $2,660 per year or less.

    Additional vehicles that rank well include the Volkswagen Arteon, Kia Forte, Tesla Model 3, Mitsubishi Mirage G4, and Honda Civic, which average between $2,660 and $2,894 to insure per year in Philadelphia.

    The most affordable non-luxury compact car to insure in Philadelphia is the Subaru Impreza at $2,282 per year. For midsize 2023 models, the Subaru Legacy has the cheapest rates at $2,542 per year. And for full-size sedans, the Chrysler 300 is the cheapest model to insure at $2,692 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 $190 per month and ending with the Volkswagen Arteon at $241 per month.

    Cheapest Car Insurance in Philadelphia
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$2,282$190
    Volkswagen JettaCompact$2,520$210
    Subaru LegacyMidsize$2,542$212
    Nissan SentraCompact$2,560$213
    Toyota CorollaCompact$2,588$216
    Volkswagen GolfCompact$2,596$216
    Toyota PriusCompact$2,602$217
    Toyota CamryMidsize$2,624$219
    Mazda 3Compact$2,644$220
    Kia K5Midsize$2,660$222
    Chevrolet MalibuMidsize$2,684$224
    Chrysler 300Full-size$2,692$224
    Honda CivicCompact$2,700$225
    Kia ForteCompact$2,708$226
    Mitsubishi Mirage G4Compact$2,718$227
    Nissan LeafCompact$2,780$232
    Honda AccordMidsize$2,790$233
    Toyota CrownMidsize$2,802$234
    Tesla Model 3Midsize$2,820$235
    Volkswagen ArteonMidsize$2,894$241

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 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 December 30, 2022
      Cheapest Car Insurance in Philadelphia

      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 Chevrolet Trailblazer, Subaru Crosstrek, Nissan Kicks, Honda Passport, and Nissan Rogue Sport. Average rates for for these five models range from $2,088 to $2,154 per year.

      Some other SUVs that rank well are the Subaru Ascent, Mazda CX-5, Kia Seltos, and Buick Encore, with average rates of $2,244 per year or less.

      Auto insurance in Philadelphia for this segment for the average driver starts at an average of $174 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 Chevrolet Trailblazer at $2,088 per year. For midsize 2023 models, the Honda Passport is the cheapest model to insure at $2,144 per year. And for full-size SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,586 per year.

      The next table ranks the twenty SUVs with the most affordable average insurance rates in Philadelphia, starting with the Chevrolet Trailblazer at $174 per month and ending with the Chevrolet Trax at $198 per month.

      Cheapest SUV Insurance in Philadelphia
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Chevrolet TrailblazerCompact$2,088$174
      Subaru CrosstrekCompact$2,108$176
      Nissan KicksCompact$2,116$176
      Honda PassportMidsize$2,144$179
      Nissan Rogue SportCompact$2,154$180
      Mazda CX-5Compact$2,168$181
      Buick EncoreCompact$2,200$183
      Buick EnvisionCompact$2,206$184
      Kia SeltosCompact$2,236$186
      Subaru AscentMidsize$2,244$187
      Hyundai VenueCompact$2,250$188
      Honda HR-VCompact$2,294$191
      Hyundai KonaCompact$2,314$193
      Subaru ForesterCompact$2,326$194
      Ford EdgeMidsize$2,338$195
      Honda CR-VCompact$2,340$195
      Mazda CX-30Compact$2,346$196
      Ford ExplorerMidsize$2,350$196
      Volkswagen AtlasMidsize$2,356$196
      Chevrolet TraxCompact$2,370$198

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 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 December 30, 2022
        Cheapest SUV Insurance in Philadelphia

        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 Integra, BMW 330i, Acura TLX, Cadillac CT4, and Genesis G70. Average insurance rates for for these five cars range from $2,478 to $2,940 per year.

        Other models that are affordable to insure include the Cadillac CT5, Lexus ES 250, BMW 228i, and Lexus ES 350, with average insurance cost of $2,998 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 Acura Integra at $2,478 per year. For midsize luxury cars, the Cadillac CT5 is cheapest to insure at $2,966 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $3,094 per year.

        The next table ranks the twenty luxury cars with the cheapest auto insurance rates in Philadelphia, starting with the Acura Integra at $2,478 per year and ending with the Volvo S60 at $3,082 per year.

        Cheapest Luxury Car Insurance in Philadelphia
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura IntegraCompact$2,478$207
        BMW 330iCompact$2,802$234
        Acura TLXCompact$2,848$237
        Cadillac CT4Compact$2,882$240
        Genesis G70Compact$2,940$245
        Cadillac CT5Midsize$2,966$247
        Lexus ES 350Midsize$2,974$248
        BMW 330eCompact$2,986$249
        Lexus ES 250Midsize$2,992$249
        BMW 228iCompact$2,998$250
        Lexus RC 300Midsize$3,004$250
        Mercedes-Benz AMG CLA35Midsize$3,010$251
        Audi A3Midsize$3,016$251
        BMW 230iCompact$3,020$252
        Mercedes-Benz C300Compact$3,042$254
        Audi A4Compact$3,056$255
        Lexus RC 350Compact$3,058$255
        Audi S3Compact$3,078$257
        Mercedes-Benz AMG CLA45Midsize$3,080$257
        Volvo S60Compact$3,082$257

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 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 December 30, 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 Lexus RX 350, Cadillac XT4, Volvo XC40, and Infiniti QX50. The 2023 model costs an average of $2,302 per year to insure with full coverage.

          Rounding out the top 10 are SUVs like the Lexus UX 250h, Mercedes-Benz GLB 250, Mercedes-Benz GLA250, and Cadillac XT6, with an average cost to insure of $2,686 per year or less.

          Additional models worth mentioning include the Lexus NX 250, Lexus NX 350, Mercedes-Benz GLC300, and Lexus NX 350h, which average between $2,686 and $2,812 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 $2,302 per year, or $192 per month. For midsize luxury SUVs, the Lexus RX 350 is the cheapest model to insure at $2,470 per year, or $206 per month. And for full-size luxury SUV models, the Volvo XC90 has the most affordable rates at $2,844 per year, or $237 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 $2,302 per year ($192 per month) and ending with the Mercedes-Benz GLC300 at $2,812 per year ($234 per month).

          Cheapest Luxury SUV Insurance in Philadelphia
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$2,302$192
          Lexus RX 350Midsize$2,470$206
          Cadillac XT4Compact$2,490$208
          Volvo XC40Compact$2,536$211
          Infiniti QX50Midsize$2,554$213
          Lexus UX 250hCompact$2,582$215
          Cadillac XT5Midsize$2,622$219
          Mercedes-Benz GLA250Compact$2,678$223
          Cadillac XT6Midsize$2,686$224
          Mercedes-Benz GLB 250Compact$2,686$224
          Lexus NX 250Compact$2,720$227
          Acura MDXMidsize$2,746$229
          Lexus NX 350hCompact$2,754$230
          Lexus NX 350Compact$2,772$231
          Lincoln CorsairCompact$2,774$231
          Lexus NX 450hCompact$2,776$231
          Lincoln NautilusMidsize$2,794$233
          BMW X1Compact$2,798$233
          Alfa Romeo TonaleCompact$2,800$233
          Mercedes-Benz GLC300Compact$2,812$234

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 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 December 30, 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 Ford Mustang, Subaru WRX, BMW Z4, Audi TT, and Mazda MX-5 Miata. Car insurance quotes for these models average $3,046 or less per year, or around $254 per month.

            Not the cheapest, but still very affordable, are models like the Toyota GR Supra, Toyota GR86, BMW M2, and Subaru BRZ, with average rates of $3,328 per year or less.

            Ranked lower than 10th place, but still in the top 20, cars like the Porsche Taycan, Chevrolet Camaro, Jaguar F-Type, BMW M4, and Lexus LC 500 average between $3,328 and $4,146 to insure per year.

            Car insurance in this segment starts at around $213 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 $213 per month and ending with the Lexus LC 500 at $346 per month.

            Cheapest Sports Car Insurance in Philadelphia
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$2,550$213
            Audi TTSports Car$2,860$238
            Ford MustangSports Car$2,992$249
            BMW Z4Sports Car$3,012$251
            Subaru WRXSports Car$3,046$254
            Nissan ZSports Car$3,092$258
            Toyota GR SupraSports Car$3,142$262
            BMW M2Sports Car$3,184$265
            Toyota GR86Sports Car$3,184$265
            Subaru BRZSports Car$3,328$277
            Chevrolet CorvetteSports Car$3,402$284
            BMW M3Sports Car$3,478$290
            Lexus RC FSports Car$3,552$296
            Porsche 718Sports Car$3,554$296
            Chevrolet CamaroSports Car$3,610$301
            Mercedes-Benz AMG GT53Sports Car$3,830$319
            Jaguar F-TypeSports Car$3,960$330
            Porsche TaycanSports Car$4,048$337
            BMW M4Sports Car$4,100$342
            Lexus LC 500Sports Car$4,146$346

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 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 December 30, 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 Ford Ranger, Ford Maverick, Nissan Frontier, GMC Canyon, and Chevrolet Colorado. Rates for these 2023 models average $2,504 or less per year, or around $209 per month.

              Also ranking well are pickups like the Honda Ridgeline, Toyota Tacoma, Hyundai Santa Cruz, and Nissan Titan, with average annual insurance rates of $2,806 per year or less.

              From a monthly standpoint, full-coverage car insurance in this segment for the average driver starts at an average of $191 per month, depending on your location. The comparison table below ranks the twenty pickups with the cheapest car insurance in Philadelphia, starting with the Ford Maverick at $191 per month and ending with the Nissan Titan XD at $257 per month.

              Cheapest Pickup Insurance in Philadelphia
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Ford MaverickMidsize$2,290$191
              Chevrolet ColoradoMidsize$2,296$191
              Nissan FrontierMidsize$2,384$199
              Ford RangerMidsize$2,448$204
              GMC CanyonMidsize$2,504$209
              Toyota TacomaMidsize$2,520$210
              Hyundai Santa CruzMidsize$2,562$214
              Nissan TitanFull-size$2,730$228
              Honda RidgelineMidsize$2,738$228
              Ford F150Full-size$2,806$234
              GMC Sierra 2500 HDHeavy Duty$2,824$235
              Jeep GladiatorMidsize$2,870$239
              Toyota TundraFull-size$2,902$242
              GMC Sierra 3500Heavy Duty$2,912$243
              GMC SierraFull-size$3,010$251
              Chevrolet SilveradoFull-size$3,016$251
              Ram TruckFull-size$3,016$251
              Chevrolet Silverado HD 2500Heavy Duty$3,026$252
              Chevrolet Silverado HD 3500Heavy Duty$3,032$253
              Nissan Titan XDHeavy Duty$3,082$257

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 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 December 29, 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 $726 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 $3,058 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 $433 per year compared to a credit rating between 670-739. Conversely, a weak credit rating could cost up to $502 more per year. Not all states use credit score as a rating factor, so check with your agent or company.