Who Has the Cheapest Auto Insurance for Welfare Recipients in Philadelphia?

One of the many considerations that determine the amount you pay for auto insurance is your zip code in Philadelphia. Areas with more people or higher crime rates will most likely pay more, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The illustration below ranks the most expensive places in Pennsylvania for welfare recipients to purchase car insurance in. Philadelphia comes in at #1 with a yearly cost of $2,057 for the average policy, which is around $171 per month.

How much does car insurance cost in Philadelphia, PA?
Rank City Average Per Year
1 Philadelphia $2,057
2 Drexel Hill $1,549
3 Chester $1,421
4 Levittown $1,379
5 Norristown $1,320
6 Allentown $1,141
7 Reading $1,099
8 Pittsburgh $1,095
9 Wilkes-Barre $1,089
10 Plum $1,089
11 Hazleton $1,078
12 Erie $1,071
13 Easton $1,069
14 Municipality of Monr $1,059
15 Bethlehem $1,055
16 Scranton $1,039
17 New Castle $1,026
18 Bethel Park $1,019
19 Harrisburg $1,015
20 Altoona $1,012
21 Lancaster $995
22 Williamsport $986
23 York $944
24 Lebanon $922
25 State College $905
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Table data uses comparative as the specific area where the vehicle is garaged can revise coverage prices significantly.

Trying to find low-priced auto insurance is not easy, and deciding which insurers offer the cheapest insurance rates for welfare recipients will require even more rate comparisons. Each auto insurer uses a little different formula for determining prices, so we’ll take a look at the most affordable insurance companies in Philadelphia, PA.

It’s important that readers know that Philadelphia, PA insurance rates are based on many factors which can significantly increase or decrease the price you pay for coverage. Getting older, getting divorced, or having an at-fault accident can trigger rate changes that can now make some companies higher-priced than before.

Best Auto Insurance Prices in Pennsylvania

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What’s the cheapest car insurance in Pennsylvania?
Rank Company Cost Per Year
1 General Casualty $748
2 Erie $800
3 Travelers $803
4 USAA $817
5 Penn National $832
6 Auto-Owners $973
7 Amica $1,012
8 Atlantic States $1,016
9 Donegal Mutual $1,069
10 GEICO $1,145
11 Allied $1,179
12 State Farm $1,210
13 California Casualty $1,234
14 State Auto $1,279
15 Encompass $1,385
16 Progressive $1,414
17 Harleysville $1,438
18 Mutual Benefit Group $1,439
19 Nationwide $1,477
20 Chubb $1,598
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General Casualty has some of the cheapest car insurance rates in Philadelphia at around $748 a year. This is $909 less than the average premium paid by Pennsylvania drivers of $1,657. Erie, Travelers, USAA, and Penn National also make the cut as some of the best Philadelphia, PA insurance companies.

As shown in the table above, if you are a customer of USAA and switched to Erie, you could realize yearly savings of about $17. Drivers with Penn National could save as much as $32 a year, and Auto-Owners insureds might reduce rates by $173 a year.

To get a quick, customized rate comparison, click here to get quotes or quote rates from the companies below.

Understand that those estimates are averaged across all types of insureds and vehicles and do not factor in a vehicle location for welfare recipients. So the car insurance company that fits your age and vehicle best may not even be in the list above. That is why you need to get rate quotes using your own driver data and vehicle information.

The vehicle model requiring coverage is probably the largest consideration that determines if you can find economical coverage for welfare recipients. Vehicles with economical engines, modern passenger safety features, or a positive history of liability claims will cost substantially less to insure than high performance models. The data below shows insurance rates for the cheaper vehicles to insure in Pennsylvania.

Cheapest Vehicles to Insure in Philadelphia, PA
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $3,678
Ford Edge SE 2WD $4,039
Ford Explorer XLT 2WD $4,128
Jeep Wrangler Sport 4WD 2-Dr $4,222
Honda CR-V EX 4WD $4,236
Dodge Grand Caravan Hero $4,358
Dodge Ram 3500 Crew Cab Laramie 2WD $4,447
Ford F-150 SVT Raptor Super Cab 4WD $4,456
Toyota Prius $4,465
Toyota Camry XLE $4,583
Hyundai Elantra SE 4-Dr Sedan $4,592
Chevrolet Impala LS $4,643
Toyota Tacoma 2WD $4,650
Toyota RAV4 2WD $4,747
Dodge Ram Crew Cab ST 2WD $4,756
Honda Odyssey EX $4,761
Ford F-350 XL Super Cab Turbo Diesel 2WD $4,845
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $4,852
Chevrolet Equinox LT 2WD $4,873
Honda Accord EX 2-Dr Coupe $4,892
Ford Focus SES 4-Dr Sedan $4,897
Chevrolet Malibu LT $4,986
Nissan Rogue S AWD $5,079
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate quotes do not factor in specific garaging location which can lower or raise insurance rates substantially.

Looking at the rates, we can tell that models like the Ford Escape, Ford Edge, and Ford Explorer are most likely to be the more affordable vehicles to insure for drivers on welfare.

Full coverage rates compared to liability-only

Finding the cheapest insurance should be important to most drivers, and one of the fastest ways to find cheaper insurance for welfare recipients is to only buy liability coverage. The chart below compares auto insurance rates with and without full coverage. Data assumes no accidents or driving violations, $500 deductibles, single marital status, and no discounts are applied to the premium.

As an overall average, physical damage coverage costs $2,070 per year over having just liability coverage. Many of you may wonder when is the right time to remove full coverage. There is no exact rule of when to stop paying for physical damage coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after you pay the deductible. If you are paying over $600 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some conditions where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Responsible drivers pay cheaper insurance rates

A great way to enjoy good insurance rates for drivers on welfare is to pay attention while driving and avoid accidents and traffic violations. The information below highlights how speeding tickets and accidents can affect insurance costs for different categories of driver ages. The costs are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

The data charted above shows the average cost of auto insurance in Pennsylvania per year with no violations or accidents is $2,194. Factor in one speeding ticket and the average cost swells to $2,488, an increase of $294 each year. Now add two accidents along with the one speeding ticket and the yearly cost of insurance for welfare recipients jumps again to an average of $5,040. That’s an increase of $2,847, or $237 per month, just for being a less-than-perfect driver!

The importance of comparing Philadelphia car insurance rates

Pennsylvania insurance rates are impacted by many factors which can substantially change the policy price. Turning one year older, buying a new vehicle, or getting a few speeding tickets can produce rate changes resulting in some rates now being much cheaper than others. And not only may your rating factors change, but insurers file new Pennsylvania car insurance rates at least once a year in order to protect their financial rating. Significantly higher losses can cause additional premium costs, while profitable underwriting can produce more affordable Philadelphia car insurance rates.

The chart below compares the cheapest car insurance in Philadelphia, PA for a 40-year-old male driver with a good driving record, no prior claims, and solid credit. Based on his personal profile, General Casualty offers the best car insurance rates in Philadelphia at $1,700 a year. This is $43 more than the average price paid by Pennsylvania drivers of $1,657. Travelers, Erie, Penn National, and USAA are also included in the best Philadelphia, PA auto insurance companies.

In this example, we will give the driver in the first example an accident claim, a lower credit rating, and an imperfect driving record. Due to the fact that every auto insurer has their own guidelines for filing rates in each state, comparing rates may now present a completely different list of the cheapest car insurance companies in Philadelphia as shown below.

Amica now has the best car insurance rate in Philadelphia with Atlantic States, Donegal Mutual, Penn National, and GEICO also being competitive. This illustrates why Pennsylvania drivers need to perform an extensive rate comparison to find the lowest insurance rates for welfare recipients.

Prices are made up of many risk factors and can increase or decrease at any time, so the lowest-price company a year ago may now be quite expensive.

The Philadelphia auto insurance agencies shown below can aid you in deciding which car insurance company is the best fit, since some people have coverage questions and would like to have a consultation when shopping around for cheaper insurance for welfare recipients. It’s not always simple to find the cheapest car insurance policy, so getting advice from a licensed agent can bring comfort knowing your coverage gives you adequate coverage if you have an accident or claim.

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

Find a Philadelphia, PA insurance agent near you

Ideas to find the cheapest car insurance for welfare recipients

The list below shows some of the better penny-pinching ideas that can help Pennsylvania drivers find cheap coverage.

That last idea is very critical, as was stressed in this piece. Insurance prices can be adjusted at any time, so don’t be hesitant to switch to a new company if you can find a cheaper rate. Having a favorite company is fine, but it’s not recommended if that stubbornness costs you a lot of money. In less than five minutes you could compare prices and find cheaper car insurance for welfare recipients in Philadelphia.