What Auto Insurance is Cheapest for Government Employees in Philadelphia?

It’s hard to miss the commercials from car insurance companies like GEICO and Progressive guaranteeing dirt cheap rates, so you just need to pick the company with the catchiest ad, right?

It’s not that simple, unfortunately, as there are a whole bunch of unknown elements like the likelihood of vehicle theft where you live, tickets or driving violations, and your credit rating, that all impact the price you pay. The information below covers the best ways to save money and should give you a solid foundation to find cheaper car insurance in Philadelphia.

One of the many things that are looked at to determine the amount you pay each year for auto insurance is where you choose to live in Philadelphia. Areas with increased crime or more people are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The illustration below sorts the most expensive places in Pennsylvania for government employees to purchase a policy in. Philadelphia is listed at #1 with an annual cost of $2,037 for coverage, which is about $170 monthly.

How much does car insurance cost in Philadelphia, PA?
Rank City Annual Premium
1 Philadelphia $2,037
2 Drexel Hill $1,504
3 Levittown $1,407
4 Chester $1,379
5 Norristown $1,281
6 Erie $1,115
7 Reading $1,110
8 Allentown $1,108
9 Municipality of Monr $1,091
10 Easton $1,091
11 Hazleton $1,088
12 Pittsburgh $1,085
13 Scranton $1,071
14 Plum $1,057
15 Wilkes-Barre $1,057
16 Bethlehem $1,055
17 New Castle $1,026
18 Bethel Park $1,019
19 Harrisburg $1,015
20 Altoona $1,002
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Rate quotes are approximated as specific Philadelphia zip code can revise prices significantly.

Locating affordable car insurance is not most people’s favorite thing to do, and determining which companies offer the cheapest car insurance rates for government employees takes even more work.

Every insurance company has a proprietary formula for determining prices, so let’s rank the lowest cost car insurance companies in Philadelphia. It’s important to know that Pennsylvania car insurance rates are impacted by many factors which can significantly increase or decrease your annual premium. That is why Pennsylvania drivers need to shop around with many companies to get the most economical auto insurance rates for government employees. Rates are determined by many different factors and can change substantially, so the cheapest option when you last compared rates may now be quite expensive.

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Rankings for the cheapest Pennsylvania auto insurance companies
Rank Company Cost Per Year
1 General Casualty $718
2 Travelers $787
3 Erie $800
4 USAA $809
5 Penn National $840
6 Auto-Owners $963
7 Amica $1,012
8 Atlantic States $1,036
9 Donegal Mutual $1,091
10 GEICO $1,157
11 State Farm $1,162
12 Allied $1,179
13 California Casualty $1,198
14 State Auto $1,279
15 Encompass $1,385
16 Harleysville $1,452
17 Mutual Benefit Group $1,454
18 Progressive $1,472
19 Nationwide $1,477
20 Chubb $1,583
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General Casualty offers some of the lowest car insurance rates in Philadelphia at around $718 each year. Travelers, Erie, USAA, and Penn National also are some of the best Philadelphia, PA auto insurance companies.

As depicted above, if you are currently insured with USAA and switched to General Casualty, you could realize annual savings of upwards of $91. Policyholders with Penn National might save as much as $122 a year, and Auto-Owners insureds might cut rates by $245 a year.

These premium estimates are averages for all drivers and vehicles and do not factor in an exact vehicle garaging location for government employees. So the car insurance company that has the cheapest price for you may not even be in the top 30 companies in the list above. That helps illustrate why you need to get rate quotes from many companies using your own driver data and vehicle information.

The chart below highlights how deductible choice can influence annual premium costs when researching cheap insurance for government employees. The information is based on a married male driver, comp and collision included, and no additional discounts are factored in.

In the chart above, a 50-year-old driver could pocket $230 a year by increasing from a $100 deductible up to a $500 deductible, or save $346 by using a $1,000 deductible. Young drivers, like the 20-year-old, have the ability to save $762 every year just by choosing higher deductibles when buying full coverage. When using a larger deductible, it is important to have spare funds to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Full coverage rates compared to liability only

Finding cheaper car insurance is probably important to the majority of drivers, and one way to pay less for insurance for government employees is to not pay for full coverage. The information below illustrates the comparison of annual premium costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims or driving violations, $100 deductibles, drivers are single, and no discounts are factored in.

As an average, physical damage insurance costs an extra $2,572 per year over and above liability only. Lot’s of drivers question when is it safe to stop buying full coverage. There isn’t a written rule to stop paying for physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

The benefit of shopping around

Philadelphia car insurance rates are impacted by many factors that can increase the price of coverage. Improving your credit score, buying a home, or getting a speeding ticket may generate price changes resulting in some rates now being cheaper in comparison to the competition. In addition, insurance companies file new Pennsylvania auto insurance rates multiple times each year to reflect underwriting profits or losses. A period of increased losses can cause a rate increase, while a lower level of claims may produce lower-priced Philadelphia car insurance rates.

As an example, the graph below shows a variety of companies that have the cheapest car insurance in Philadelphia, PA for a 30-year-old female driver with a clear driving record, no claims, and a good credit history. If we compare prices based on her current risk profile, General Casualty offers the most affordable car insurance rates in Philadelphia at $1,617 annually. This is $40 less than the average price paid by Pennsylvania drivers of $1,657. USAA, Penn National, Travelers, and Erie are also on the list of the cheapest Philadelphia, PA auto insurance companies.

Now let’s give the driver from the first set of rates a chargeable accident, a little lower credit rating, and a few blemishes on her driving record. Since each auto insurer has a different formula for establishing rates, analyzing rate quotes could result in a different set of affordable companies as shown below.

Amica now has the lowest price in Philadelphia with Atlantic States, Donegal Mutual, GEICO, and Erie now being in the top five. This example demonstrates why it is crucial to perform a complete rate comparison to find the most affordable car insurance quotes for government employees. Insurance prices are made up of many things and change substantially, so the most economical option the last time you shopped around may now cost much more than other companies.

The professional agents shown below can most likely answer your questions and help you decide which coverage fits your budget, since some people prefer to get help from a professional when buying car insurance for government employees. It can be difficult to find the best coverage yourself, and using a licensed agent can bring comfort knowing your policy gives you sufficient coverage at claim time.

To locate a Philadelphia car insurance agency nearest to you, click the button at the bottom.

John Nicolucci – State Farm Insurance Agent
6001 Ridge AvePhiladelphia, PA 19128(215) 482-7000

Eckroth Insurance Group LLC
521 N 22nd StPhiladelphia, PA 19130(215) 232-0200

Gallo Insurance Agency
617 S 18th StPhiladelphia, PA 19146(215) 545-9500

Burg Insurance
2707 Kirkbride StPhiladelphia, PA 19137(215) 744-4100

Torri Insurance Agency
214 Fairmount AvePhiladelphia, PA 19123(800) 701-5909

View more Philadelphia, PA insurance agencies