Deciding which companies have the cheapest auto insurance rates for 17 year olds may require a bit more effort than just quoting one company’s rates. Each auto insurance company uses different criteria for filing rates in each state, so we will examine the lowest cost auto insurance companies in Philadelphia, PA.
It’s a good idea to know that Philadelphia, PA auto insurance rates are impacted by many things that can increase the policy price. Getting older, increasing liability limits, or getting a DUI may prompt premium changes that can cause some rates to be cheaper than before.
Best Cheap Insurance Rates for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $726 |
| 2 | Erie | $800 |
| 3 | Travelers | $811 |
| 4 | USAA | $817 |
| 5 | Penn National | $832 |
| 6 | Auto-Owners | $963 |
| 7 | Amica | $982 |
| 8 | Atlantic States | $1,016 |
| 9 | Donegal Mutual | $1,102 |
| 10 | GEICO | $1,123 |
| 11 | State Farm | $1,174 |
| 12 | Allied | $1,179 |
| 13 | California Casualty | $1,234 |
| 14 | State Auto | $1,279 |
| 15 | Mutual Benefit Group | $1,397 |
| 16 | Encompass | $1,398 |
| 17 | Progressive | $1,429 |
| 18 | Nationwide | $1,433 |
| 19 | Harleysville | $1,452 |
| 20 | Chubb | $1,583 |
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General Casualty generally has some of the cheapest car insurance rates in Philadelphia at around $726 per year. Erie, Travelers, USAA, and Penn National also rank well as some of the cheaper Philadelphia, PA car insurance companies.
As illustrated above, if you are a policyholder with Travelers and switched to General Casualty, you might achieve an annual savings of roughly $85. Customers with USAA could save as much as $91 a year, and Penn National policyholders might cut rates by $106 a year.
To get a fast rate comparison, click here to get a free quote or quote prices from the following companies.
Understand that those rates are averages for all insureds and vehicles and and are not figured with a specific zip code for 17 year olds. So the car insurance company that can offer you the best rate may not even be in the list above. That emphasizes why you need to compare as many prices as possible using your own driver data and vehicle information.
One of the more important things that help determine the amount you pay each year for auto insurance is where you choose to live in Philadelphia. Areas with more people or more claims tend to have higher rates, whereas areas with less congestion tend to receive slightly lower rates.
The next table ranks the highest-priced areas in Pennsylvania for 17 year olds to buy auto insurance in. Philadelphia makes the list at #1 with the yearly price of $1,977 on average, which is about $165 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $1,977 |
| 2 | Drexel Hill | $1,549 |
| 3 | Chester | $1,393 |
| 4 | Levittown | $1,379 |
| 5 | Norristown | $1,307 |
| 6 | Allentown | $1,141 |
| 7 | Easton | $1,102 |
| 8 | Municipality of Monr | $1,091 |
| 9 | Wilkes-Barre | $1,089 |
| 10 | Pittsburgh | $1,085 |
| 11 | Scranton | $1,081 |
| 12 | Reading | $1,077 |
| 13 | Erie | $1,071 |
| 14 | Plum | $1,057 |
| 15 | Bethlehem | $1,055 |
| 16 | Hazleton | $1,046 |
| 17 | New Castle | $1,046 |
| 18 | Altoona | $1,002 |
| 19 | Williamsport | $996 |
| 20 | Harrisburg | $995 |
| 21 | Bethel Park | $989 |
| 22 | Lancaster | $975 |
| 23 | Lebanon | $950 |
| 24 | York | $944 |
| 25 | State College | $869 |
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Price information shown is approximated as zip code location can change coverage prices significantly.
The vehicle requiring insurance is a significant factor when consumers are trying to find the best cheap insurance for 17 year olds. Vehicles with high performance, a lack of advanced safety features, or a track record of large liability claims will cost substantially more to insure than more modest models.
The next list features auto insurance rates for the most budget-friendly automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $17,449 |
| Ford Escape XLT 4WD | $17,632 |
| Hyundai Elantra SE Touring Station Wagon | $18,771 |
| Toyota Prius | $18,954 |
| Ford Explorer XLT 2WD | $19,573 |
| Volkswagen Jetta 2.0T Station Wagon | $20,098 |
| Ford Focus S 4-Dr Sedan | $20,529 |
| Toyota RAV4 Limited 4WD | $20,712 |
| GMC Sierra SLE Crew Cab 2WD | $20,720 |
| Chevrolet Equinox LT AWD | $20,712 |
| Dodge Grand Caravan Crew | $20,895 |
| Dodge Ram Quad Cab ST 2WD | $21,242 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $21,650 |
| Toyota Tacoma X-Runner 2WD | $21,856 |
| Toyota Corolla XLE | $21,865 |
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Prices based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in your specific Philadelphia, PA location which can decrease or increase premium rates significantly.
Based upon the rates shown, you can presume that vehicles like the Honda CR-V, Ford Escape, Hyundai Elantra, Toyota Prius, and Ford Explorer will be the cheapest vehicles to insure for teen drivers. Rates will be more expensive just due to the fact that there is more risk for 17 year olds, but in general those models will probably have the cheapest car insurance rates available.
Illustration showing the impact of accidents and violations
A great way to get good auto insurance prices for teen drivers is to drive attentively and not have accidents or get tickets. The information below illustrates how violations and accidents increase car insurance rates for each different age category. The rate quotes are based on a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of a car insurance policy in Philadelphia per year with a clean driving record and no accidents is $1,063. Add in one speeding ticket and the average cost rises to $1,240, an increase of $177 each year. Now add in one accident along with the one speeding ticket and the annual cost of auto insurance for 17 year olds increases to an average of $1,730. That’s an increase of $667, or $56 per month, just for not driving responsibly!
Get discounts on Philadelphia auto insurance
Insurance companies that provide policies for 17 year olds may have discounts that could reduce prices by as much as 40% or more if you meet specific eligibility requirements. A list of auto insurance companies and a summarized list of policyholder discounts are included below.
- Progressive has savings for online signing, continuous coverage, online quote discount, homeowner, multi-vehicle, and good student.
- GEICO discounts include defensive driver, air bags, driver training, seat belt use, and good student.
- State Farm policyholders can earn discounts including passive restraint, accident-free, multiple autos, good student, and good driver.
- Esurance may include discounts for multi-car, renters, claim free, safety device, paid-in-full, Pac-12 alumni, and online shopper.
- The Hartford includes discounts for bundle, driver training, vehicle fuel type, air bag, good student, anti-theft, and defensive driver.
The example below visualizes the comparison of car insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with continuous coverage, paid-in-full, paperless filing, vehicle safety, anti-theft, and passive restraint discounts applied. With discounts applied, theaverage amount saved on auto insurance for 17 year olds is 28% or $621.
You may be paying too much for car insurance
Philadelphia auto insurance rates are based on many factors that may substantially change the price you have to pay for coverage. Improving your credit rating, buying a new vehicle, or getting a reckless driving citation can trigger price changes resulting in some rates now being more affordable than before. Not only may your risk profile change, but auto insurance companies modify rates every year or even multiple times each year to adjust for gains or losses. Larger than normal claims may result in additional price hikes, while a better loss history can cause lower-cost Philadelphia car insurance rates.
For instance, the data below shows which company has the cheapest car insurance in Philadelphia, PA for a 35-year-old female driver with no accidents or violations, and good financial standing. When quoting prices based on her current situation, General Casualty quotes the lowest car insurance rates in Philadelphia at $1,735 annually. This is $78 more than the average price paid by Pennsylvania drivers of $1,657. Travelers, Penn National, Erie, and USAA round out the rest of the most affordable Philadelphia, PA auto insurance companies.
Now let’s give the driver from the first set of rates an at-fault accident, less-than-perfect credit, and a speeding citation. Because each insurer has a proprietary method for determining rates, comparing insurance quotes will most likely result in a significantly different list of affordable Philadelphia car insurance companies as shown below.
Amica now has the cheapest auto insurance in Philadelphia with Atlantic States, Donegal Mutual, Travelers, and Penn National also having competitive pricing. This example shows why it is important to spend some time comparing rates to get affordable car insurance rates for 17 year olds. Insurance prices are calculated by many factors and can decrease or increase without notice, so the most economical option the last time you shopped around may now be an over-priced policy.
If you aren’t sure which coverage to buy and prefer to have a consultation when shopping around for cheaper insurance for 17 year olds, the professional agents shown below can probably answer your questions and help you decide which auto insurance policy fits you best.
To locate a Philadelphia car insurance agency nearest to you, click the link after the list.
- Dennis Jackson – State Farm Insurance Agent
6200 Frankford Ave – Philadelphia, PA 19135 – (215) 289-5179 - Mike Hickey – State Farm Insurance Agent
86 Bethlehem Pike – Philadelphia, PA 19118 – (215) 753-1501 - The Miles Insurance Agency Inc
7100 Cresheim Rd – Philadelphia, PA 19119 – (215) 753-7770