Car Insurance in Philadelphia
Numbers refreshed
Factors behind Philadelphia car insurance include Pennsylvania averages and how local people drive.
- $116Pennsylvania average a month for full coverage.
- 15/30/5.the state minimum limits.
Insurance rates faced by drivers around Philadelphia
For full coverage, the Pennsylvania average runs $1,396 a year, and $617 for the legal minimum. Big-city prices often exceed the state average because traffic is heavier, claims are more frequent and theft is more common.
| Coverage in Pennsylvania | Per year | Per month |
|---|---|---|
| Liability | $617 | $51 |
| Collision | $494 | $41 |
| Comprehensive | $285 | $24 |
| Full coverage (all three) | $1,396 | $116 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Driving within Philadelphia
| Census figure | Philadelphia |
|---|---|
| People | 1,579,706 |
| Average trip to work | 32 minutes |
| Drive to work alone | 46% |
| Homes with no car | 28% |
| Median household income | $61,953 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Your personal estimate
The Pennsylvania calculator works out a price from your age, your record and your car. The rules for the state are listed in Pennsylvania car insurance requirements.
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