The average cost for car insurance in Philadelphia was $778 for minimum coverage, and $3194 for complete coverage. Philadelphia car insurance can be more costly than elsewhere in the country. This is why it’s important to shop around for the best coverage.
Nearly 9,000,000 people are licensed to drive in Pennsylvania. It shouldn’t surprise that 2019 Penndot reports showed that there were almost 9 million Pennsylvanians licensed to drive. There were 125,267 car crashes, 76.243 injuries and 1,059 deaths due to car-related accidents.
Philadelphia drivers need affordable car insurance that will cover them financially in case of an accident. We considered a number of factors to narrow down the top car insurance companies, including customer satisfaction scores, and the average cost of full and minimum coverage.
The best car insurance companies Philadelphia
To narrow down our top five Philadelphia car insurance companies, we used many criteria. These included J.D. These included J.D.
These are the top cheap car insurance providers in Philadelphia
Geico
Geico is among the most affordable providers in Philadelphia. Geico offers great rates and many of the best auto insurance discounts to reduce your premium. Geico also offers discounts that can help you save significant money. You can save as much as 25% by having more than one car insured, or up to 23% if you drive a car with air bags.
USAA
USAA is nationally known as one of the top insurance companies. It is not a common name, but you should. USAA currently serves retired and active-duty military as well as their immediate families. USAA provides exceptional customer service and naturally low rates to those who qualify. USAA offers some unique discounts such as the garage discount. USAA offers a 60% discount on your premium if you are away from your vehicle for a prolonged period and need to store it.
Progressive
Progressive makes it simple to obtain car insurance quotes for Philadelphia. It is actually the first thing you’ll see when you visit its website. Progressive is one of few companies that allows you to shop around for coverage options depending on your budget. It will not only show you what type of policy they offer at your price but also the policies that you can get from other companies. Progressive lives up its name.
State Farm
State Farm consistently earns top marks for customer service every year. State Farm offers all the discounts that you’d expect from a national carrier, but also offers a few extras. The Drive Safe & Save is our favorite. State Farm uses this discount to analyze your driving habits to save you even more.
Erie
Erie is regarded as the best Philadelphia car insurance. Erie isn’t the most expensive on the list but it offers many coverage options such as personal items coverage or pet insurance to cover your pet in case they are injured while in the car. Erie offers personal item coverage that covers personal items up to $350 in the event they are stolen or damaged from your vehicle.
Philadelphia has the lowest car insurance
Philadelphians pay more than the rest of Pennsylvania. The average price of minimum coverage in Pennsylvania is $371 and $1,606 respectively. Philadelphians pay $407 more for minimum coverage and $1,588 for full coverage. For those with tight budgets, it is important to find the lowest-priced provider.
The following companies have received outstanding scores from J.D. Power (the company that measures customer happiness) was awarded the top score. USAA was first, while State Farm was second. However, they scored exceptionally well when compared to other providers of insurance.
Financial strength is the same.
Every company has a mobile app that allows you to file claims, pay your bill or check the status of your claim. There are many discounts that you can avail from each company. Geico, USAA Progressive, State Farm, Erie, and State Farm are all great providers. Although they have different pricing models, it is worthwhile to get a quote from each provider before making a decision about which one to use.
Insurance requirements for Philadelphia
All drivers in Pennsylvania must have a minimum 15/30/5 insurance policy. Insurance companies must offer coverage that covers:
- $15,000 for medical payments per person per accident
- $30,000 per accident for medical expenses
- $5,000 for property damage
Although Pennsylvania is a state that has no fault, it does not mean you can’t be sued if you cause excessive damages. A full coverage plan is something you should consider.
Full coverage is required if you intend to lease your vehicle or finance it . The auto-dealer will also require it. You cannot just look for the lowest minimum coverage when shopping around. To find the best provider for your needs, you will need to do some digging.
Philadelphia car insurance discount
Each company will offer a different discount, so the amount you save will vary. Each offers Philadelphia drivers substantial savings that are worth looking into.
- Defensive driving discounts: This discount is often available by taking a defensive driving class online. However, it’s also possible to take the course in person. There are many locations in Philadelphia.
- Multiple vehicle discount: Most insurance companies offer a substantial discount for multiple vehicles. This discount falls under the “customer loyalty” category. You can combine it with other discounts to save even more. For example, you can use the same company to insure your condo, renters, or homeowners insurance.
- Pay-in-full – Many companies offer discounts of up to 10% when you pay your premium in full. You can save $200 if you choose full coverage with an annual premium of around $2,000
- Anti-theft: Philadelphia drivers have the option to make their insurance company sleep easier by installing anti theft devices. Your provider will determine how much you save.
- Discounts based on driving habits: Many providers offer discounts that are based on usage. The amount that you could save each month will depend on which type of driver. This discount could save you money over the years if you’re a good driver and obey all traffic laws.
Questions frequently asked
Which is the best auto insurance company?
When choosing the best car insurance company , there are many factors to consider. Each company has its own rate factors that determine the cost of your car coverage. These include your driving record, age, gender, and type of car. It is important to compare rates from different providers in order to get the lowest car insurance.
Is Philadelphia home to many uninsured or underinsured drivers?
There is no information available for Philadelphia. Pennsylvania, however, is one of the least-insured states. According to the Insurance Information Institute’s most recent study, Pennsylvania has a 7.6% rate of uninsured drivers.
Is Pennsylvania a no-fault state?
Yes. It means that every person should have sufficient insurance to cover their medical and property damages costs. If the damage is severe, however, the person may still sue the court for compensation.
