Best Auto Insurance Companies in Philadelphia (2025)
The auto insurance rates in Philadelphia are the highest in Pennsylvania. The ZIP code you live in can play a major role in the amount you pay for Philadelphia auto insurance. State Farm, GEICO, and Nationwide appear to be the best options for auto insurance in Philadelphia.
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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...
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Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Jimmy McMillan
Updated January 2024
- Philadelphia auto insurance rates are some of the highest in the state of Pennsylvania
- There are many different ZIP codes in Philadelphia which can play a major role in your auto insurance rates
- State Farm, Nationwide, and Geico appear to be the best options for cheap Philadelphia auto insurance
Recently moved to the Philadelphia area and looking for auto insurance? You’ll want to learn about the best auto insurance in Philadelphia and how to get the best rates.
Thankfully, this article will serve as a guide to help you learn how to get cheap auto insurance in Philadelphia, the insurance companies available, and more.
In just a few moments you’ll have everything you need to buy auto insurance in Philadelphia. Until then, enter your ZIP code above to get free quotes from the top auto insurance companies near you.
How much is auto insurance in Philadelphia?
If you are within the city limits of Philadelphia, you can expect to pay a decent amount for auto insurance. Of course, there are many factors that will influence your auto insurance rates no matter where you live.
For example, your coverage amount, vehicle, and driving history all play pertinent roles in your auto insurance rates. The city and state you live in will also contribute to the underwriting process.
Unfortunately, if you have moved within the city limits of Philadelphia, you’ll have the highest rates in the state of Pennsylvania.
Most Expensive Cities for Auto Insurance in Pennsylvania
| City | Average by City | Most Expensive Company | Most Expensive Rate | 2nd Most Expensive Company | 2nd Most Expensive Rate | Cheapest Company | Cheapest Rate | 2nd Cheapest Company | 2nd Cheapest Rate | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Philadelphia | $7,482.34 | Travelers | $15,126.36 | Liberty Mutual | $12,538.89 | USAA | $2,954.06 | Geico | $4,621.12 |
| 2 | Sharon Hill | $6,392.50 | Travelers | $13,460.15 | Liberty Mutual | $8,630.14 | USAA | $2,363.32 | Nationwide | $4,102.98 |
| 3 | East Lansdowne | $6,347.36 | Travelers | $12,468.46 | Liberty Mutual | $8,630.14 | USAA | $2,511.37 | Nationwide | $4,210.51 |
| 4 | Collingdale | $6,270.41 | Travelers | $12,886.09 | Liberty Mutual | $8,630.14 | USAA | $2,511.37 | Nationwide | $4,212.45 |
| 5 | Millbourne | $6,231.76 | Travelers | $12,160.58 | Liberty Mutual | $8,630.14 | USAA | $2,207.63 | Nationwide | $4,241.54 |
| 6 | Bensalem | $5,764.41 | Travelers | $12,296.07 | Liberty Mutual | $8,344.78 | USAA | $1,908.22 | Geico | $3,568.65 |
| 7 | Cheltenham | $5,733.79 | Travelers | $12,436.54 | Liberty Mutual | $7,629.84 | USAA | $2,456.44 | Nationwide | $3,835.72 |
| 8 | Elkins Park | $5,727.39 | Travelers | $12,174.44 | Liberty Mutual | $7,629.84 | USAA | $2,154.94 | Nationwide | $3,745.21 |
| 9 | Chester | $5,723.20 | Travelers | $12,415.25 | Liberty Mutual | $8,630.14 | USAA | $2,363.32 | Geico | $3,596.36 |
| 10 | Glenolden | $5,720.42 | Travelers | $12,887.96 | Liberty Mutual | $8,630.14 | USAA | $2,395.86 | State Farm | $3,491.05 |
You might notice that USAA offers reasonable rates when compared to other companies like Travelers, but keep in mind that USAA is exclusive to military affiliates and first responders.
The region you live in plays a major role in how much you’ll pay for auto insurance. So much so that the ZIP code you live in can cost you thousands per year despite being labeled in the same city.
Average Philadelphia Auto Insurance Rates by ZIP Code
| Zipcode | Grand Total | Price Above State Average |
|---|---|---|
| 19133 | $8,527.54 | $4,493.05 |
| 19132 | $8,485.99 | $4,451.50 |
| 19140 | $8,482.06 | $4,447.57 |
| 19142 | $8,438.04 | $4,403.55 |
| 19139 | $8,431.95 | $4,397.46 |
| 19121 | $8,402.97 | $4,368.48 |
| 19143 | $8,335.23 | $4,300.74 |
| 19122 | $8,251.78 | $4,217.29 |
| 19112 | $8,120.94 | $4,086.45 |
| 19141 | $7,951.26 | $3,916.77 |
| 19120 | $7,934.92 | $3,900.43 |
| 19126 | $7,875.75 | $3,841.26 |
| 19145 | $7,875.23 | $3,840.74 |
| 19125 | $7,867.88 | $3,833.39 |
| 19124 | $7,839.78 | $3,805.29 |
| 19138 | $7,813.73 | $3,779.24 |
| 19153 | $7,809.79 | $3,775.30 |
| 19134 | $7,792.20 | $3,757.71 |
| 19104 | $7,718.61 | $3,684.12 |
| 19131 | $7,711.11 | $3,676.62 |
| 19190 | $7,619.01 | $3,584.52 |
| 19109 | $7,590.79 | $3,556.30 |
| 19148 | $7,551.17 | $3,516.68 |
| 19144 | $7,532.62 | $3,498.13 |
| 19147 | $7,504.11 | $3,469.62 |
| 19146 | $7,491.18 | $3,456.69 |
| 19110 | $7,488.79 | $3,454.30 |
| 19151 | $7,471.33 | $3,436.84 |
| 19123 | $7,437.48 | $3,402.99 |
| 19150 | $7,383.38 | $3,348.89 |
| 19135 | $7,382.27 | $3,347.78 |
| 19107 | $7,335.47 | $3,300.98 |
| 19130 | $7,297.97 | $3,263.48 |
| 19103 | $7,251.85 | $3,217.36 |
| 19149 | $7,230.43 | $3,195.94 |
| 19106 | $7,169.36 | $3,134.87 |
| 19111 | $7,141.58 | $3,107.09 |
| 19137 | $7,103.46 | $3,068.97 |
| 19102 | $7,059.31 | $3,024.82 |
| 19115 | $7,058.79 | $3,024.30 |
| 19136 | $7,025.09 | $2,990.60 |
| 19152 | $7,024.54 | $2,990.05 |
| 19116 | $6,957.01 | $2,922.52 |
| 19119 | $6,897.67 | $2,863.18 |
| 19129 | $6,797.93 | $2,763.44 |
| 19114 | $6,702.33 | $2,667.84 |
| 19154 | $6,621.94 | $2,587.45 |
| 19127 | $6,364.49 | $2,330.00 |
| 19118 | $6,328.67 | $2,294.18 |
| 19128 | $6,297.66 | $2,263.17 |
| 19113 | $5,815.01 | $1,780.52 |
As you can see above, the cheapest area in Philadelphia could be nearly $3,000 cheaper than the most expensive area. This is why it’s important to use your ZIP code when requesting rates. Otherwise, you might not get accurate quotes and could end up overpaying on auto insurance.
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What are the cheapest auto insurance companies in Philadelphia?
As noted earlier, the cheapest auto insurance company for each individual will likely vary depending on a myriad of factors that must be accounted for during the underwriting process. We were able to compile some average rates by company and ZIP code, shown below.
Average Philadelphia Auto Insurance Rates by Company and ZIP Code
| Zipcode | Average | Allstate F&C | Geico Cas | First Liberty Ins Corp | Nationwide P&C | Progressive Specialty | State Farm Mutual Auto | Travelers Home & Marine Ins Co | USAA |
|---|---|---|---|---|---|---|---|---|---|
| 19133 | $8,527.54 | $7,833.22 | $5,877.31 | $14,953.09 | $5,516.08 | $8,333.33 | $6,228.95 | $16,347.78 | $3,130.55 |
| 19132 | $8,485.99 | $8,367.61 | $5,877.31 | $14,953.09 | $5,518.85 | $8,410.96 | $5,345.97 | $16,434.31 | $2,979.83 |
| 19140 | $8,482.06 | $8,033.76 | $5,877.31 | $14,953.09 | $5,531.40 | $8,315.52 | $6,358.54 | $15,656.34 | $3,130.55 |
| 19142 | $8,438.04 | $7,341.30 | $5,402.37 | $14,953.09 | $5,580.35 | $8,364.86 | $6,679.84 | $16,063.64 | $3,118.87 |
| 19139 | $8,431.95 | $8,082.38 | $5,332.66 | $14,953.09 | $5,450.53 | $8,458.11 | $6,210.62 | $15,900.83 | $3,067.37 |
| 19121 | $8,402.97 | $8,299.81 | $5,877.31 | $14,953.09 | $5,103.03 | $8,135.10 | $6,208.04 | $15,667.55 | $2,979.83 |
| 19143 | $8,335.23 | $8,361.27 | $5,332.66 | $14,953.09 | $5,550.31 | $7,886.04 | $6,228.55 | $15,329.68 | $3,040.28 |
| 19122 | $8,251.78 | $8,298.96 | $5,059.59 | $14,953.09 | $5,155.70 | $7,839.62 | $5,764.76 | $15,965.31 | $2,977.25 |
| 19112 | $8,120.94 | $7,759.51 | $5,402.37 | $14,953.09 | $4,978.83 | $8,677.08 | $4,159.60 | $15,996.78 | $3,040.28 |
| 19141 | $7,951.26 | $8,238.55 | $5,877.31 | $11,848.69 | $5,476.55 | $7,979.49 | $5,393.39 | $15,628.00 | $3,168.09 |
| 19120 | $7,934.92 | $8,707.93 | $5,059.59 | $11,848.69 | $5,579.54 | $8,108.80 | $5,773.80 | $15,270.43 | $3,130.55 |
| 19126 | $7,875.75 | $8,028.97 | $5,877.31 | $11,848.69 | $5,560.59 | $8,607.26 | $4,926.72 | $15,023.64 | $3,132.85 |
| 19145 | $7,875.23 | $7,914.00 | $5,332.66 | $13,185.12 | $5,179.89 | $7,937.42 | $4,614.78 | $15,797.70 | $3,040.28 |
| 19125 | $7,867.88 | $8,293.18 | $5,059.59 | $13,185.12 | $5,411.31 | $7,044.06 | $5,692.26 | $15,280.25 | $2,977.25 |
| 19124 | $7,839.78 | $8,171.94 | $5,059.59 | $11,848.69 | $5,440.57 | $8,012.77 | $5,821.25 | $15,192.97 | $3,170.44 |
| 19138 | $7,813.73 | $8,062.45 | $5,877.31 | $11,848.69 | $5,486.16 | $7,831.31 | $4,962.95 | $15,422.93 | $3,018.01 |
| 19153 | $7,809.79 | $7,086.14 | $5,402.37 | $13,185.12 | $4,431.54 | $7,819.53 | $5,562.60 | $15,950.73 | $3,040.28 |
| 19134 | $7,792.20 | $7,600.64 | $5,059.59 | $13,185.12 | $5,078.58 | $7,909.98 | $5,003.80 | $15,369.32 | $3,130.55 |
| 19104 | $7,718.61 | $7,882.11 | $3,727.54 | $14,953.09 | $4,944.68 | $7,545.44 | $4,700.48 | $15,015.69 | $2,979.83 |
| 19131 | $7,711.10 | $8,132.38 | $5,332.66 | $11,848.69 | $5,286.25 | $7,415.17 | $5,173.58 | $15,520.29 | $2,979.83 |
| 19190 | $7,619.01 | $6,334.05 | $3,727.54 | $14,953.09 | $4,944.68 | $7,192.67 | $5,119.14 | $15,996.78 | $2,684.13 |
| 19109 | $7,590.79 | $7,841.27 | $3,727.54 | $14,953.09 | $4,678.39 | $6,959.06 | $5,119.14 | $14,644.96 | $2,802.84 |
| 19148 | $7,551.17 | $7,474.31 | $3,727.54 | $13,185.12 | $4,861.88 | $7,672.83 | $4,215.45 | $16,231.94 | $3,040.28 |
| 19144 | $7,532.62 | $6,902.84 | $4,546.01 | $11,848.69 | $5,459.43 | $7,797.56 | $5,325.47 | $15,516.37 | $2,864.58 |
| 19147 | $7,504.11 | $7,997.54 | $3,727.54 | $13,185.12 | $5,250.01 | $7,234.00 | $3,740.88 | $15,857.48 | $3,040.28 |
| 19146 | $7,491.18 | $7,982.94 | $3,727.54 | $13,185.12 | $5,389.24 | $7,296.15 | $4,333.81 | $14,974.40 | $3,040.28 |
| 19110 | $7,488.79 | $7,841.27 | $3,727.54 | $14,953.09 | $4,678.39 | $6,678.29 | $5,119.14 | $14,109.73 | $2,802.84 |
| 19151 | $7,471.33 | $7,388.51 | $5,332.66 | $11,848.69 | $5,436.81 | $7,517.42 | $4,991.83 | $14,187.37 | $3,067.37 |
| 19123 | $7,437.48 | $7,438.43 | $3,727.54 | $14,953.09 | $4,570.24 | $7,129.35 | $3,659.25 | $15,196.72 | $2,825.27 |
| 19150 | $7,383.38 | $7,534.36 | $4,546.01 | $11,848.69 | $5,515.88 | $7,055.60 | $4,882.03 | $14,728.98 | $2,955.54 |
| 19135 | $7,382.27 | $6,844.05 | $4,638.51 | $11,848.69 | $4,631.25 | $7,940.25 | $4,966.37 | $15,206.29 | $2,982.73 |
| 19107 | $7,335.47 | $7,871.86 | $3,727.54 | $13,185.12 | $4,678.39 | $7,192.67 | $3,397.36 | $15,805.58 | $2,825.27 |
| 19130 | $7,297.97 | $7,996.84 | $3,727.54 | $13,185.12 | $4,897.58 | $6,630.14 | $4,093.46 | $14,873.26 | $2,979.83 |
| 19103 | $7,251.85 | $7,517.36 | $3,727.54 | $13,185.12 | $4,870.88 | $6,613.47 | $3,518.10 | $15,748.18 | $2,834.16 |
| 19149 | $7,230.43 | $7,141.98 | $4,638.51 | $10,227.15 | $4,929.85 | $7,477.35 | $5,070.85 | $15,187.32 | $3,170.44 |
| 19106 | $7,169.36 | $7,585.58 | $3,727.54 | $13,185.12 | $4,953.33 | $6,463.28 | $3,328.32 | $15,286.45 | $2,825.27 |
| 19111 | $7,141.58 | $6,883.01 | $4,638.51 | $10,227.15 | $4,953.78 | $7,336.97 | $4,542.45 | $15,380.34 | $3,170.44 |
| 19137 | $7,103.46 | $6,356.60 | $4,638.51 | $11,848.69 | $4,083.00 | $7,915.87 | $5,312.97 | $13,501.46 | $3,170.57 |
| 19102 | $7,059.31 | $7,873.11 | $3,727.54 | $13,185.12 | $4,897.36 | $6,678.29 | $3,518.10 | $13,760.78 | $2,834.16 |
| 19115 | $7,058.79 | $6,382.61 | $4,426.66 | $10,227.15 | $4,701.63 | $7,504.38 | $4,694.96 | $15,566.99 | $2,965.93 |
| 19136 | $7,025.09 | $6,791.12 | $4,638.51 | $10,227.15 | $4,501.52 | $7,639.81 | $4,567.40 | $15,151.11 | $2,684.13 |
| 19152 | $7,024.54 | $6,705.71 | $4,638.51 | $10,227.15 | $4,558.07 | $7,605.79 | $4,837.87 | $14,657.33 | $2,965.93 |
| 19116 | $6,957.01 | $6,424.22 | $4,426.66 | $10,227.15 | $4,852.17 | $7,816.47 | $4,530.71 | $14,694.57 | $2,684.13 |
| 19119 | $6,897.67 | $6,215.33 | $4,546.01 | $10,227.15 | $5,106.89 | $6,751.67 | $3,955.65 | $15,360.70 | $3,018.01 |
| 19129 | $6,797.93 | $6,485.58 | $4,546.01 | $10,227.15 | $4,897.65 | $6,371.94 | $3,908.31 | $15,082.25 | $2,864.58 |
| 19114 | $6,702.32 | $6,348.97 | $4,426.66 | $10,227.15 | $4,628.85 | $6,666.34 | $4,100.54 | $14,535.97 | $2,684.13 |
| 19154 | $6,621.93 | $6,334.05 | $4,426.66 | $10,227.15 | $4,632.59 | $6,553.85 | $3,964.90 | $14,152.16 | $2,684.13 |
| 19127 | $6,364.49 | $5,964.33 | $3,324.39 | $10,227.15 | $4,337.34 | $6,161.77 | $3,953.25 | $14,083.09 | $2,864.58 |
| 19118 | $6,328.67 | $5,370.25 | $3,633.58 | $10,227.15 | $4,551.64 | $6,213.05 | $3,771.32 | $13,997.77 | $2,864.58 |
| 19128 | $6,297.66 | $5,238.58 | $3,633.58 | $10,227.15 | $4,038.19 | $6,411.81 | $4,033.64 | $13,933.77 | $2,864.58 |
| 19113 | $5,815.01 | $7,024.32 | $3,596.36 | $8,630.14 | $4,057.89 | $6,022.77 | $3,625.02 | $11,200.25 | $2,363.32 |
Read more: State Farm Mutual Automobile Insurance Company Review
Yet again, the ZIP code plays a major role in the auto insurance rates for different Philadelphia areas. It also tends to influence which company is the cheapest from ZIP to ZIP. Yet again, USAA is the most affordable option but that company is not available to everyone.
Based on the data above, you can find relatively cheap auto insurance in Philadelphia with Nationwide, Geico, or State Farm. You might want to avoid buying a policy from Travelers or First Liberty if you’re looking for a cheap policy.
What are the best auto insurance companies in Philadelphia?
To many people, the best company will be the cheapest. For that reason, we’ll compare the likes of the three cheapest auto insurance companies that were listed above.
For starters, you’ll want to be sure that your insurance provider is highly rated. A.M. Best rates insurance companies for financial strength to ensure that they are financially safe for consumers.
Below, you’ll find each company’s A.M. Best rating:
- State Farm: A++
- Nationwide: A+
- Geico: A++
You’ll see above that all three auto insurance companies come highly rated. This means that price and customer service will likely take precedent.
There are limitations for customer service reviews on insurance companies by region, however, J.D. Power has ranked each of the above companies for the Mid-Atlantic region, including Pennsylvania.
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These rankings are highlighted with State Farm as the superior choice for customer satisfaction. In fact, State Farm was the only company of the three that was rated ahead of the industry average.
Geico was just below the industry average while Nationwide fell well short. If you’re looking for a great customer service experience, State Farm would be best based on this information.
Thankfully, the National Association of Insurance Commissioners can help support or refute this notion. The NAIC Complaint Index helps indicate which companies field more complaints by volume of consumers. The higher the score, the more complaints the company has.
Below, you’ll find each company’s NAIC Complaint Index:
- State Farm: 1.46
- Geico: 1.70
- Nationwide: 2.08
In this case, each company’s NAIC Complaint Index matches up with its J.D. Power ranking for customer satisfaction. If you’re a Philadelphia resident and you get competitive rates from each of these companies, State Farm might be the best bet.
More About Auto Insurance in Philadelphia
If you’re looking for a new insurance company in Philadelphia for more than one type of insurance, you’ll likely need a more in-depth quote. Some companies will offer discounts for stacking different insurance policies.
If you wanted to stack Philadelphia life insurance with your new auto insurance policy, you might pay less for each policy if you get them with the same company.
The best way to get accurate quotes is to reach out to your local agent and ask about eligible discounts for all policies. You can do this by calling each company’s Philadelphia insurance phone number nearest to you.
Otherwise, be sure to compare rates from different providers to avoid overpaying for insurance. It could save you thousands in the long run.
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Best Auto Insurance Companies in Philadelphia: The Bottom Line
While Philadelphia residents can expect to pay more for auto insurance, they can save by choosing the right company. Companies like State Farm offer competitive rates and strong customer service.
We hope you found everything you needed to start shopping for Philadelphia auto insurance. Before you go, enter your ZIP code below to get free quotes from the top insurance companies in your area today.
Frequently Asked Questions
What is considered the best auto insurance company?
Determining the best auto insurance company is subjective and can vary based on individual needs, preferences, and specific circumstances. However, some widely recognized top auto insurance companies include State Farm, Geico, Progressive, Allstate, and USAA (available to military members and their families). It’s recommended to research and compare multiple insurance companies to find the one that best suits your requirements.
How can I find the best auto insurance for me?
To find the best auto insurance for your needs, consider the following steps:
- Assess Your Coverage Needs: Determine the types and amounts of coverage you require, such as liability, collision, comprehensive, and additional options like roadside assistance or rental car reimbursement.
- Get Multiple Quotes: Request quotes from different insurance companies to compare premiums and coverage options. Online comparison tools and contacting insurance agents directly can assist in this process.
- Research Insurance Companies: Investigate the reputation, financial strength, and customer service of the insurance companies you’re considering. Look for customer reviews, ratings from independent rating agencies, and information on claims handling.
- Evaluate Discounts and Benefits: Inquire about available discounts and benefits offered by insurance companies. These may include safe driver discounts, multi-policy discounts, or rewards programs that can help lower your premiums.
- Check State Requirements: Ensure the insurance company you choose meets the minimum auto insurance requirements mandated by your state.
- Consider Customer Service: Evaluate the insurance company’s customer service reputation, including their responsiveness, ease of claims process, and availability of online account management tools.
- Seek Recommendations: Consult with friends, family, or trusted advisors who have experience with different auto insurance companies to gather insights and recommendations.
What factors should I consider when choosing auto insurance?
When selecting auto insurance, consider the following factors:
- Coverage Options: Ensure the insurance company offers the specific types of coverage you need to protect yourself, your vehicle, and others on the road.
- Cost and Affordability: Compare premiums from different insurers and consider your budget. However, remember that the cheapest option may not always provide the necessary coverage or quality of service.
- Financial Strength: Check the financial strength and stability of the insurance company to ensure they can fulfill their obligations in the event of a claim.
- Customer Service: Consider the quality of customer service provided by the insurance company, including their responsiveness, accessibility, and reputation for handling claims efficiently.
- Discounts and Benefits: Inquire about available discounts or benefits that can help reduce your premiums or provide additional value.
- Reputation and Reviews: Research the insurance company’s reputation by reading customer reviews and ratings from reliable sources to gauge their reliability and customer satisfaction.
- Ease of Policy Management: Evaluate the insurer’s online tools, mobile apps, and customer portal for policy management, billing, and claims tracking.
Are there any widely recognized top auto insurance companies?
Several auto insurance companies are widely recognized for their quality of coverage and customer service. Some of these companies include State Farm, Geico, Progressive, Allstate, and USAA (available to military members and their families).
Does the best auto insurance company vary by individual?
Yes, the best auto insurance company can vary based on individual needs, preferences, and circumstances. What may be the best choice for one person may not necessarily be the best for another. It’s important to assess your specific requirements and compare insurance companies to find the best fit for you.
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