How Much are Car Insurance Rates for Teenagers in Philadelphia?

You’ve seen the commercials from insurers like Allstate and Farmers that say if you switch you’ll get big savings. So drivers should just pick the company with the catchiest ad, right?

That is not the case, however, as there are a whole bunch of unknown elements such as the likelihood of vehicle theft where you live, whether you are a man or a woman, whether or not you have had gaps between policies, and the amount of coverage you want. This article should teach you a little about the best ways to find cheap auto insurance and should give you a solid foundation to find cheaper car insurance in Pennsylvania.

For teen drivers, one of the big things that determine the price you pay for insurance is where your residence is. Regions with larger populations or more claims are more likely to pay higher prices, whereas less populated areas have the enjoyment of a little cheaper coverage.

The information below shows the most costly cities in Pennsylvania for teenagers to purchase a policy in. Philadelphia ranks #1 with a yearly premium of $1,997 on average, which is about $166 per month.

How much is car insurance in Philadelphia?
Rank City Premium Per Year
1 Philadelphia $1,997
2 Drexel Hill $1,489
3 Chester $1,421
4 Levittown $1,365
5 Norristown $1,281
6 Erie $1,115
7 Reading $1,110
8 Allentown $1,097
9 Municipality of Monr $1,091
10 Easton $1,091
11 Plum $1,079
12 Wilkes-Barre $1,079
13 Hazleton $1,078
14 Bethlehem $1,077
15 Pittsburgh $1,063
16 Scranton $1,049
17 Altoona $1,032
18 New Castle $1,026
19 Harrisburg $1,025
20 Bethel Park $1,019
21 Williamsport $966
22 Lancaster $965
23 Lebanon $950
24 York $916
25 State College $878
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Rate information is comparative as specific Philadelphia zip code can change coverage prices significantly.

Finding out which company offers the cheapest auto insurance rates for teenagers requires a little more work in order to find coverage that fits your budget. Each auto insurance company has their own guidelines for setting rates, so to begin we’ll rank the lowest cost auto insurance companies in Pennsylvania.

It’s important to understand that Philadelphia auto insurance rates are calculated based on many things which can significantly increase or decrease the policy price. Simply turning a year older, buying higher coverage limits, or having a fender bender may prompt premium changes resulting in some companies being more affordable than others.

Cheap Insurance Rates for Teens

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General Casualty normally has some of the best car insurance rates in Philadelphia at around $740 per year. USAA, Erie, Travelers, and Penn National would also be considered some of the most economical Philadelphia, PA insurance companies.

As the example above demonstrates, if you are insured with Travelers and switched to General Casualty, you could earn a yearly savings of around $63. Policyholders with Penn National might save as much as $76 a year, and Amica customers might see rate reductions of $252 a year.

To see how much you can save, click here to get quotes or click through to the companies below.

Bear in mind that those policy rates are averaged for all insureds and vehicles and are not factoring in a specific zip code for teenagers. So the car insurance company that can offer you the lowest price may not even be in the top 30 companies in the list above. That’s why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Insuring your vehicle with the highest-rated auto insurance provider can be rather challenging considering how many choices there are in Pennsylvania. The ranking information displayed below may help you analyze which providers to look at when comparing rates. The rankings below are for the largest companies in the United States, so companies without a large exposure are not included in these rankings.

Best Auto Insurance Companies for Teenagers in Philadelphia
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 79 93 90 87% A+ 88.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Best Car Insurance Companies

Safe drivers pay cheaper rates

The ideal way to find the best auto insurance premiums in Philadelphia for teen drivers is to be an attentive driver and avoid accidents and keep your driving record clean. The chart below shows how violations and accident claims can influence insurance premiums for different categories of driver ages. The prices are based on a married female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

The data charted above shows the average cost of an auto insurance policy in Pennsylvania per year with no violations or accidents is $1,981. Factor in one speeding ticket and the average cost increases to $2,305, an increase of $324 each year. Now get two accidents along with the one speeding ticket and the annual cost of auto insurance for teenagers jumps again to an average of $5,022. That’s an increase of $3,041, or $253 per month, just for not paying attention while driving!

The benefits of price comparisons

Philadelphia auto insurance rates are influenced by many factors which can substantially change the policy premium. Simply getting older, getting married, or getting a speeding ticket can produce rate changes that may make certain companies more affordable than others. Not only may things change on your end, but insurance companies modify pricing without warning to adjust for gains or losses. A period of higher than normal claims may result in increased policy costs, while a profitable period can cause cheaper Philadelphia car insurance rates.

As an example, the chart below compares the cheapest car insurance in Philadelphia, PA for a 40-year-old male driver with a clear driving record, no claims, and good financial standing. If we compare prices based on his current situation, General Casualty quotes the cheapest car insurance rates in Philadelphia at $1,667 per year. This is $10 more than the average price paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National are the remaining best Philadelphia, PA auto insurance companies.

The next chart shows rates after we give the driver from the first rate comparison an accident claim, less-than-perfect credit, and a traffic ticket or two. Since every car insurance company has a unique formula to set policy rates, analyzing rates most likely will result in a different set of cheap Philadelphia auto insurance companies as shown below.

Amica now has the cheapest car insurance in Philadelphia with Atlantic States, Donegal Mutual, GEICO, and Travelers also being competitive. This example illustrates why it is so important to perform an extensive rate comparison to get the most economical car insurance quotes for teenagers. Car insurance prices are impacted by many factors and change frequently, so the most economical company when you last compared rates may now be quite expensive.

The agents shown below can probably provide answers to your questions and help you determine which coverage meets your needs best, as some drivers aren’t sure which coverage they need and prefer to get some help when trying to find the best insurance rates for teenagers. It can be complicated to find the cheapest auto insurance company, and agents can give you satisfaction knowing you have suitable coverage if you ever need to use it. To locate a Philadelphia auto insurance agent by location nearest to you, click the link at the bottom.

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