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

• Average car insurance cost in Philadelphia is $2,798 per year, or $233 per month, for a full-coverage policy.
• Car insurance rates for a few popular vehicles in Philadelphia include the Nissan Rogue at $215 per month, Toyota Corolla at $219, and Honda Civic at $228.
• Compact crossovers like the Chevrolet Trailblazer, Nissan Rogue Sport, and Mazda CX-5 have top rankings for cheap car insurance in Philadelphia.
• Vehicles with the most affordable auto insurance in Philadelphia for their respective segments include the Nissan Titan ($2,768 per year), Lexus RX 350 ($2,502 per year), Subaru Impreza ($2,316 per year), and Subaru Legacy ($2,576 per year).

How much does car insurance cost in Philadelphia?

The average cost to insure a vehicle in Philadelphia is $2,798 per year, which is 47.3% more than the overall U.S. national average rate of $1,728 per year. The average monthly cost of car insurance in Philadelphia is $233 for a policy that provides full coverage.

In the state of Pennsylvania, the average car insurance cost is $1,732 per year, so the cost in Philadelphia averages $1,066 more per year. The average cost to insure a vehicle in Philadelphia compared to other Pennsylvania locations is around $1,066 per year more than in Allentown, $1,142 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.

Average rates in the chart above range from $2,322 per year for a middle-aged driver who receives many policy discounts to $6,354 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 $2,798 per year in Philadelphia.

As a monthly amount, the average cost to insure a car in Philadelphia ranges from $194 to $530 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 – $10,020 per year or $835 per month
• 17-year-old rated driver – $9,370 per year or $781 per month
• 18-year-old rated driver – $8,754 per year or $730 per month
• 19-year-old rated driver – $7,920 per year or $660 per month
• 20-year-old rated driver – $5,566 per year or $464 per month
• 30-year-old rated driver – $2,950 per year or $246 per month
• 40-year-old rated driver – $2,798 per year or $233 per month
• 50-year-old rated driver – $2,546 per year or $212 per month
• 60-year-old rated driver – $2,500 per year or $208 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.

Car insurance for a 16-year-old female in Philadelphia costs an average of $1,198 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 $872 more per year.

The cost to insure Philadelphia drivers’ favorite vehicles

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.

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 $872 to $1,198 less annually than their male counterparts.
• Insurance for a teenager can be expensive – The average cost ranges from $7,048 to $10,020 per year to insure a teenage driver in Philadelphia.
• Philadelphia car insurance cost is more than the U.S. average – $2,798 (Philadelphia average) versus $1,728 (U.S. average)
• Lower deductible car insurance is more expensive than high deductible – A 50-year-old driver pays an average of $1,100 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 $2,616 less per year than a 20-year-old driver, $2,950 versus $5,566.
• Car insurance is generally cheaper as you age – Car insurance rates for a 50-year-old driver in Philadelphia are $3,020 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 $2,236 or less per year, or $186 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 $2,372 or less per year, or around $198 per month.

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

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.

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 $2,502 per year for a full coverage policy to the BMW XM costing $4,554 per year, a difference of $2,052 within that segment. As another example, in the large luxury SUV segment, rates range from the Volvo XC90 at $2,884 per year to the Mercedes-Benz Maybach GLS 600 costing $5,316 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 $2,316 per year, the Volkswagen Jetta at $2,554 per year, and the Subaru Legacy at $2,576 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 $2,700 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 $2,700 and $2,936 to insure per year in Philadelphia.

The most affordable non-luxury compact car to insure in Philadelphia is the Subaru Impreza at $2,316 per year. For midsize 2023 models, the Subaru Legacy has the cheapest rates at $2,576 per year. And for full-size sedans, the Chrysler 300 is the cheapest model to insure at $2,728 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 $193 per month and ending with the Volkswagen Arteon at $245 per month.

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 $2,118 to $2,182 per year.

Some other SUVs that rank well are the Subaru Ascent, Mazda CX-5, Kia Seltos, and Buick Encore, with average rates of $2,274 per year or less.

Auto insurance in Philadelphia for this segment for the average driver starts at an average of $177 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 $2,118 per year. For midsize 2023 models, the Honda Passport is the cheapest model to insure at $2,172 per year. And for full-size SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,620 per year.

The next table ranks the twenty SUVs with the most affordable average insurance rates in Philadelphia, starting with the Chevrolet Trailblazer at $177 per month and ending with the Chevrolet Trax at $200 per month.

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 $2,512 to $2,980 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 $3,042 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 $2,512 per year. For midsize luxury cars, the Cadillac CT5 is cheapest to insure at $3,010 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $3,138 per year.

The next table ranks the twenty luxury cars with the cheapest auto insurance rates in Philadelphia, starting with the Acura Integra at $2,512 per year and ending with the Volvo S60 at $3,126 per year.

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 $2,334 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 $2,724 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 $2,724 and $2,850 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 $2,334 per year, or $195 per month. For midsize luxury SUVs, the Lexus RX 350 is the cheapest model to insure at $2,502 per year, or $209 per month. And for full-size luxury SUV models, the Volvo XC90 has the most affordable rates at $2,884 per year, or $240 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 $2,334 per year ($195 per month) and ending with the Mercedes-Benz GLC300 at $2,850 per year ($238 per month).

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 $3,090 or less per year, or around $258 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 $3,372 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 $3,372 and $4,206 to insure per year.

Car insurance in this segment starts at around $215 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 $215 per month and ending with the Lexus LC 500 at $351 per month.

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 $2,542 or less per year, or around $212 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 $2,842 per year or less.

From a monthly standpoint, full-coverage car insurance in this segment for the average driver starts at an average of $194 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 $194 per month and ending with the Nissan Titan XD at $261 per month.

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 $734 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 $3,102 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 $439 per year compared to a credit rating between 670-739. Conversely, a weak credit rating could cost up to $509 more per year. Not all states use credit score as a rating factor, so check with your agent or company.