Who Has Affordable Philadelphia Auto Insurance Rates After a Speeding Ticket?

After a few driving violations, one of the big criteria that aid in calculating the price you pay for insurance is where your car is garaged. Cities with larger populations or higher claim trends are more likely to have higher rates, whereas less populated areas benefit from lower rates.

The illustration below shows the most expensive cities in Pennsylvania after a speeding ticket in which to purchase auto insurance. Philadelphia makes the list at #1 with the annual price of $1,977 for coverage, which is around $165 per month.

How much is auto insurance in Philadelphia, PA?
Rank City Premium Per Year
1 Philadelphia $1,977
2 Drexel Hill $1,489
3 Chester $1,421
4 Levittown $1,407
5 Norristown $1,307
6 Allentown $1,130
7 Municipality of Monr $1,091
8 Wilkes-Barre $1,089
9 Plum $1,089
10 Reading $1,077
11 Erie $1,071
12 Easton $1,069
13 Hazleton $1,056
14 Bethlehem $1,055
15 Pittsburgh $1,053
16 New Castle $1,046
17 Scranton $1,039
18 Bethel Park $1,019
19 Harrisburg $1,015
20 Altoona $1,002
21 Williamsport $996
22 Lancaster $995
23 Lebanon $932
24 York $916
25 State College $878
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Premium costs are approximated as the vehicle garaging location can revise coverage prices greatly.

The car, truck, or SUV you are trying to insure is probably the biggest factor when comparing the most economical car insurance after a speeding ticket. Vehicles with higher performance characteristics, a lack of modern safety features, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models.

The table below ranks car insurance costs for the most cost-effective automobiles to buy coverage for.

Cheapest Vehicles to Insure in Philadelphia, PA
Vehicle Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $5,796
Honda CR-V EX-L 4WD $5,923
Toyota Prius $6,437
Ford Explorer XLT AWD $6,478
Ford Escape XLT 4WD $6,482
Honda Odyssey EX $6,732
Ford Edge SEL AWD $6,741
Honda Accord EX-L 4-Dr Sedan $6,737
Dodge Grand Caravan SE $6,910
Chevrolet Impala LS $7,182
Chevrolet Equinox LS 2WD $7,323
GMC Sierra SLE Crew Cab 2WD $7,333
Nissan Altima 3.5 SR 4-Dr Sedan $7,373
Chevrolet Malibu LTZ $7,378
Volkswagen Jetta 2.0T Station Wagon $7,392
Toyota Tacoma Double Cab TRD Sport Package 4WD $7,469
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $7,476
Toyota RAV4 Sport 2WD $7,478
Ford F-150 Lariat Crew Cab 2WD $7,637
Honda Civic LX-S 4-Dr Sedan $7,696
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Table data represents single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Premium costs do not factor in vehicle garaging location which can alter coverage rates noticeably.

By looking at the data, we can expect vehicles like the Hyundai Elantra, Honda CR-V, Toyota Prius, and Ford Explorer are most likely to be the cheaper vehicles to insure after a few driving violations.

How violations and accidents impact rates

In a perfect world, the best way to enjoy cheap insurance rates after a few driving violations is to drive cautiously and not receive tickets or have accidents. The information below illustrates how speeding tickets and accident claims can affect auto insurance costs for different age categories. The rates are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied.

The data above shows the average cost of car insurance in Philadelphia per year with no accidents and a clean driving record is $1,458. Get written up for one speeding ticket and the average cost hikes up to $1,694, an increase of $236 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of insurance after a speeding ticket goes up to an average of $3,692. That’s an increase of $2,233, or $186 per month, just for not driving safely!

Get discounts on Philadelphia auto insurance rates

Discounts on insurance after a speeding ticketInsurance providers that offer quotes after a speeding ticket may additionally offer premium discounts that could reduce prices by as much as 25% or more if you qualify for them. Larger insurance companies and some of their more popular discounts are shown below.

The chart below shows the comparison of car insurance costs with and without some available policy discounts. The premium estimates are based on a male driver, three violations and no accidents, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with paid-in-full, continuous coverage, multiple policy, marriage, passive restraint, and homeowner discounts applied. When drivers take advantage of discounts, the average savings per year on insurance after a speeding ticket is 28% or $1,090.

The example below shows how choosing a deductible can change insurance rates when searching for cheap insurance after a speeding ticket. The premiums assume a married male driver, full coverage, and no discounts are applied to the premium.

The chart above illustrates that a 30-year-old driver could save $342 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $516 by choosing a $1,000 deductible. Even younger insureds, like the age 20 example, could potentially save up to $1,042 every year by using a higher deductible. If you do make the decision to raise your deductibles, it will be important to have enough in a savings account to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

The benefits of price comparisons

Philadelphia, PA insurance rates are influenced by many factors which can substantially change your annual premium. Turning one year older, getting divorced, or getting into an accident may prompt premium changes resulting in some companies being more affordable than before.

Also, insurers file new Pennsylvania car insurance rates at least once a year to adjust for unexpected claims or profits. Unexpectedly high claims may cause more expensive prices, while lower claim expenses can cause cheaper Philadelphia car insurance rates.

For example, the bar chart below shows a variety of companies that have the cheapest car insurance in Philadelphia, PA for a 45-year-old male driver with a clear driving record, no claims, and good financial standing. If we estimate rates based on his personal risk profile, General Casualty may offer the best car insurance rates in Philadelphia at $1,683 each year. This is $26 more than the average rate paid by Pennsylvania drivers of $1,657. Travelers, USAA, Penn National, and Erie are also on the list of the cheapest Philadelphia, PA auto insurance companies.

In the next rate comparison, we’ll give the driver from the above example a claim surcharge, poor credit, and a couple of points charged on his driving record. Because each insurer uses their own method for filing rates in each state, analyzing rate quotes may now present a completely different list of companies as shown below.

Amica now has the lowest price in Philadelphia, PA with Atlantic States, Donegal Mutual, USAA, and GEICO now rounding out the top five. This example illustrates why it is crucial to shop around to find cheap insurance rates after a speeding ticket. Insurance rates are made up of many things and can change substantially, so the best company when you bought your policy may now be one of the more expensive options.

The insurance agents in Philadelphia listed below can most likely aid you in deciding which insurance coverage will be best for you, as many people would rather get help from a professional when shopping around for cheaper insurance after a speeding ticket. It can be difficult to find the cheapest rate yourself, so a professional agent can provide you satisfaction knowing you have adequate protection in case of an accident or claim.

To locate a Philadelphia auto insurance agent by location nearest to you, click the link after the list.

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