For a 40-year-old driver with a clean record, car insurance in Philadelphia, PA, averages about $369 a month ($4,422 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 81% over Pennsylvania’s average of $204 a month. GEICO and Erie are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, Erie, GEICO, Progressive and State Farm), at about $322 and $323 a month.
Philadelphia is the most expensive of the 476 Pennsylvania cities and towns we price, and it isn’t close. Our benchmark driver pays about $165 a month more here than the state average, and even the cheapest Philadelphia ZIP code in our data, 19128, costs about 32% more than the Pennsylvania average.
If you live in Philadelphia and need car insurance, start with the five major insurers we compared that have the lowest averages: GEICO and Erie are effectively tied, with State Farm close behind. Then compare car insurance quotes in Philadelphia for your own address, because prices here change more from one ZIP code to the next than in any other Pennsylvania city we price.
Cost data comes from the auto rates insurers file with state regulators, priced across all 46 Philadelphia ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, full coverage in Philadelphia, PA, runs about $369 a month ($4,422 a year), and liability-only coverage at Pennsylvania’s 15/30/5 minimum runs $98 a month, based on rates insurers had filed as of Aug. 31, 2026. The Pennsylvania average is $204 a month, which makes this 81% higher.
GEICO and Erie are effectively tied for the lowest full-coverage average among the five insurers in our Philadelphia rate data. Five of the seven publishers whose 2026 Philadelphia rate tables we reviewed rank Travelers below both, either by price or by naming it cheapest, and a sixth does in one of its two tables. The seven published 2026 statewide Pennsylvania rate studies we reviewed disagree on the cheapest insurer for full coverage: two rank Travelers first, two Auto-Owners and one each Erie, Encova and State Farm. Four of the seven price Travelers below Erie, and two price Nationwide below it. For liability-only coverage at 15/30/5 limits, Erie has the lowest average among these five insurers, at about $67 a month, followed by Progressive and GEICO, effectively tied at $79 and $81.
Full-coverage averages by insurer in Philadelphia
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 15/30/5 (Yearly): | Minimum Liability 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $970 | $81 | $3,859 | $322 |
| Erie | $801 | $67 | $3,880 | $323 |
| State Farm | $1,277 | $106 | $4,153 | $346 |
| Progressive | $943 | $79 | $4,504 | $375 |
| Allstate | $1,869 | $156 | $5,716 | $476 |
| Travelers* | $812 | $68 | $2,825 | $235 |
| Nationwide* | $1,138 | $95 | $3,394 | $283 |
| Westfield Insurance* | $504 | $42 | $3,909 | $326 |
| USAA (military families)* | $1,040 | $87 | $4,248 | $354 |
| Philadelphia average | $1,172 | $98 | $4,422 | $369 |
This table uses Philadelphia ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the 46 Philadelphia ZIP codes we price, full coverage for our driver ranges from about $269 a month in 19128 to $448 in 19140, a gap of $2,146 a year. Northwest Philadelphia is the least expensive part of the city in our data, led by 19128 (Roxborough) and 19118 (Chestnut Hill), while North Philadelphia ZIP codes such as 19140, 19121 and 19133 are the most expensive.
Lowest-priced Philadelphia ZIP codes
Highest-priced Philadelphia ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Philadelphia’s average.
| ZIP Code: | Minimum Liability 15/30/5 (Yearly): | Minimum Liability 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 19102 | $1,016 | $85 | $3,900 | $325 | -12% |
| 19103 | $998 | $83 | $3,803 | $317 | -14% |
| 19104 | $1,211 | $101 | $4,640 | $387 | +5% |
| 19106 | $986 | $82 | $3,782 | $315 | -15% |
| 19107 | $1,015 | $85 | $3,943 | $329 | -11% |
| 19111 | $1,203 | $100 | $4,182 | $349 | -5% |
| 19114 | $1,095 | $91 | $3,789 | $316 | -14% |
| 19115 | $1,162 | $97 | $3,931 | $328 | -11% |
| 19116 | $1,154 | $96 | $3,905 | $325 | -12% |
| 19118 | $947 | $79 | $3,287 | $274 | -26% |
| 19119 | $1,022 | $85 | $3,803 | $317 | -14% |
| 19120 | $1,365 | $114 | $5,170 | $431 | +17% |
| 19121 | $1,353 | $113 | $5,333 | $444 | +20% |
| 19122 | $1,246 | $104 | $4,955 | $413 | +12% |
| 19123 | $1,016 | $85 | $4,101 | $342 | -7% |
| 19124 | $1,319 | $110 | $5,047 | $421 | +14% |
| 19125 | $1,157 | $96 | $4,676 | $390 | +6% |
| 19126 | $1,293 | $108 | $4,890 | $408 | +11% |
| 19127 | $960 | $80 | $3,359 | $280 | -24% |
| 19128 | $936 | $78 | $3,230 | $269 | -27% |
| 19129 | $1,018 | $85 | $3,841 | $320 | -13% |
| 19130 | $1,090 | $91 | $4,162 | $347 | -6% |
| 19131 | $1,249 | $104 | $4,795 | $400 | +8% |
| 19132 | $1,304 | $109 | $5,180 | $432 | +17% |
| 19133 | $1,256 | $105 | $5,182 | $432 | +17% |
| 19134 | $1,190 | $99 | $4,912 | $409 | +11% |
| 19135 | $1,188 | $99 | $4,396 | $366 | -1% |
| 19136 | $1,155 | $96 | $4,073 | $339 | -8% |
| 19137 | $1,221 | $102 | $4,497 | $375 | +2% |
| 19138 | $1,276 | $106 | $4,805 | $400 | +8% |
| 19139 | $1,275 | $106 | $5,107 | $426 | +15% |
| 19140 | $1,340 | $112 | $5,376 | $448 | +21% |
| 19141 | $1,317 | $110 | $5,022 | $419 | +14% |
| 19142 | $1,315 | $110 | $5,109 | $426 | +15% |
| 19143 | $1,309 | $109 | $5,041 | $420 | +14% |
| 19144 | $1,246 | $104 | $4,728 | $394 | +7% |
| 19145 | $1,153 | $96 | $4,654 | $388 | +5% |
| 19146 | $1,154 | $96 | $4,516 | $376 | +2% |
| 19147 | $1,093 | $91 | $4,185 | $349 | -5% |
| 19148 | $1,068 | $89 | $4,375 | $365 | -1% |
| 19149 | $1,258 | $105 | $4,338 | $362 | -2% |
| 19150 | $1,267 | $106 | $4,406 | $367 | -1% |
| 19151 | $1,234 | $103 | $4,590 | $383 | +4% |
| 19152 | $1,200 | $100 | $4,145 | $345 | -7% |
| 19153 | $1,192 | $99 | $4,615 | $385 | +4% |
| 19154 | $1,087 | $91 | $3,654 | $305 | -17% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $260 a year on average in our Philadelphia data, with the same $500 deductibles. That’s about $22 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
For our benchmark driver, full coverage isn’t going up. Comparing the same insurers in the same Philadelphia ZIP codes, full coverage averaged $4,495 a year nine months earlier and $4,422 in rates as of Aug. 31, 2026, a 1.6% drop. State Farm cut its Philadelphia average 9.1% and Progressive 2.8%, while Allstate raised its average 3.3%; Erie’s and GEICO’s averages were unchanged. Liability-only coverage at 15/30/5 limits rose 0.5%, led by Allstate, which raised its liability-only average 4.6%.
Insurers price each ZIP code on the claims they expect there: how often cars are in crashes, stolen or broken into, and what those claims cost. In our data, every Philadelphia ZIP code we price averages more than the Pennsylvania average. Philadelphia County averages $4,422 a year for full coverage, the only Pennsylvania county above $3,000. Next is Delaware County at $2,964, and 54 of the 63 counties we price come in under $2,500.
Inside the city, your ZIP code changes the price by about $179 a month. The insurer you pick matters just as much: Allstate’s Philadelphia average is about $154 a month higher than GEICO’s for the same driver and car.
More Pennsylvania cities and towns are in the Pennsylvania rates by city table, and you can compare states on our car insurance rates by state page.
Philadelphia’s suburbs cost far less. In our data, Levittown, about 22 miles northeast, averages about $226 a month for full coverage, Norristown $222, West Chester $201 and Doylestown $198, all well below the city. Farther out, Allentown averages $205 and Reading $196. For the statewide picture, see our guide to Pennsylvania car insurance rates.
Drivers in Philadelphia follow Pennsylvania’s rules. To register and drive a car, your policy must include at least $15,000 in bodily injury liability for one person, $30,000 for everyone hurt in one crash and $5,000 in property damage liability. Those liability limits are often written as 15/30/5. Your policy must also include $5,000 in medical benefits, which pay your own medical bills after a crash no matter who caused it.
Uninsured and underinsured motorist coverage is optional, letting your coverage lapse can cost you your registration, and every policy asks you to choose full tort or limited tort. Our Pennsylvania requirements guide covers the penalties for driving uninsured, and our Pennsylvania tort guide compares the two tort options side by side. For our benchmark driver, a liability-only policy at those 15/30/5 limits averages $1,172 a year ($98 a month) in Philadelphia, compared with $641 statewide, and stepping up to 50/100/50 liability with comprehensive and collision brings the average to $4,162 a year.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from the Pennsylvania Insurance Department and PennDOT. We refresh these figures when new rate data is released.
Car insurance in Philadelphia, PA, costs about $369 a month ($4,422 a year) for full coverage and $98 a month for liability-only coverage at Pennsylvania’s 15/30/5 minimum, for a 40-year-old driver with a clean record, in rates insurers had filed as of Aug. 31, 2026. That’s 81% above the Pennsylvania average of $204 a month.
GEICO and Erie are effectively tied for the lowest full-coverage average among the five major insurers we compared in Philadelphia, at about $322 and $323 a month. State Farm’s average is next, at $346. Travelers and Nationwide, which we list with a *, come in lower in our table. For liability-only coverage, Erie has the lowest average among the five major insurers we compared, at about $67 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Insurers price each ZIP code on the claims they expect there, and every Philadelphia ZIP code we price averages more than the Pennsylvania average. In our data, Philadelphia full coverage averages about $369 a month, 81% above the Pennsylvania average, and Philadelphia County is the only county above $3,000 a year.
In our data, 19128 has the lowest full-coverage average in Philadelphia, at about $269 a month, and 19140 the highest, at about $448. The ZIP code table on this page lists all 46.
In our Philadelphia data, full coverage (100/300/100 with $500 deductibles) averages about $369 a month and liability-only coverage at 15/30/5 limits about $98, a difference of about $271 a month ($3,250 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Pennsylvania law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Philadelphia must carry Pennsylvania’s minimums: $15,000 per person and $30,000 per crash in bodily injury liability and $5,000 in property damage liability (15/30/5), plus $5,000 in medical benefits. Uninsured and underinsured motorist coverage is optional, and every policy asks you to choose full tort or limited tort.
Not for full coverage, for our benchmark driver. Comparing the same insurers and ZIP codes, Philadelphia full coverage fell 1.6% over the past nine months, from about $4,495 to $4,422 a year. State Farm cut its Philadelphia average 9.1% and Progressive 2.8%, while Allstate raised its average 3.3%. Liability-only coverage at 15/30/5 limits rose 0.5%.
For our benchmark driver, full coverage in Philadelphia averages about $369 a month. Nearby, Levittown averages about $226, Allentown about $205 and Bethlehem about $181. Levittown, Allentown and Bethlehem are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
