The car, truck, or SUV that needs insurance is probably the largest consideration when shopping for cheaper coverage for drivers with a bad driving record. Vehicles with limited speed and performance, good safety features, or a positive history of liability claims will cost quite a bit less to insure than fast, unsafe models.
The next list presents insurance prices for the cheapest vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$14,488|
|Honda CR-V LX 4WD||$14,495|
|Ford Escape XLT 4WD||$15,115|
|Ford Explorer Eddie Bauer 2WD||$16,865|
|Ford F-150 XL Super Cab 4WD||$16,871|
|Honda Odyssey LX||$16,892|
|Jeep Grand Cherokee Laredo 4WD||$17,161|
|Dodge Grand Caravan Hero||$17,168|
|Toyota RAV4 Limited 4WD||$17,161|
|Ford Edge SEL 2WD||$17,506|
|Chevrolet Impala LT||$17,683|
|Nissan Altima 2.5 4-Dr Sedan||$17,693|
|Volkswagen Jetta S 4-Dr Sedan||$17,865|
|Toyota Tacoma Double Cab 4WD||$17,874|
|Hyundai Elantra GLS 4-Dr Sedan||$17,942|
|Chevrolet Malibu LT||$18,061|
|GMC Sierra SLT Extended Cab 2WD||$18,106|
|Ford Fusion SEL 4-Dr Sedan||$18,115|
|GMC Sierra 3500HD SLE Crew Cab 2WD||$18,270|
|Ford Focus SES 4-Dr Sedan||$18,438|
|Toyota Camry SE||$18,497|
|Toyota Corolla XLE||$18,506|
|Start Your Quote Go|
Prices based on single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Estimates do not factor in specific garaging location which can alter auto insurance rates considerably.
Based upon the rates shown, you can assume that vehicles like the Honda Accord, Honda CR-V, Ford Escape, and Toyota Prius are most likely to be some of the most affordable vehicles to insure for bad drivers. Prices will trend higher just because there is more claim risk for drivers with a bad driving record, but generally speaking those makes and models will tend to have the best rates that you are likely to find.
For bad drivers, one of the more important criteria that are used to help calculate the price you pay for insurance is your address in Philadelphia. More populated areas will most likely have higher rates, whereas more rural areas benefit from lower rates.
The table below ranks the most expensive areas in Pennsylvania for drivers with a bad driving record to purchase auto insurance in. Philadelphia is listed at #1 with the annual price of $2,037 on average, which is about $170 monthly.
|16||Municipality of Monr||$1,049|
|Find the Best Rates Go|
Rate information is comparative as the specific geographic location can change prices greatly.
Figuring out which company quotes the most affordable auto insurance rates for drivers with a bad driving record requires a little more sweat in order to find the best policy. Every car insurance company has a proprietary formula for determining rates, so let’s take a look at the most affordable auto insurance companies in Philadelphia, PA.
We do need to point out that Philadelphia auto insurance rates are based on many factors that will increase or decrease the price you pay for coverage. Improving your credit score, buying higher coverage limits, or getting a DUI may prompt premium changes resulting in some companies being more affordable than the competition.
Best Insurance Companies for Imperfect Drivers
|Rank||Company||Cost Per Year|
|17||Mutual Benefit Group||$1,411|
|Get Personalized Rates Go|
General Casualty generally has some of the best car insurance rates in Philadelphia at around $718 annually. USAA, Travelers, Erie, and Penn National also qualify as some of the cheapest Philadelphia, PA insurance companies.
In the above example, if you are a customer of Erie and switched to General Casualty, you might realize annual savings of in the vicinity of $98. Pennsylvania drivers with Penn National may save as much as $122 a year, and Auto-Owners policyholders might cut rates by $245 a year.
To find the cheapest rates for your vehicle, click here to get quotes or click through to the companies below.
These rates are averaged across all types of insureds and vehicles and do not factor in an exact location for drivers with a bad driving record. So the car insurance company that can offer you the best rate may not even be in the top 30 companies shown above. That points out the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.
Cautious Philadelphia drivers save money
In a perfect world, the ideal way to maintain the most affordable auto insurance rates in Pennsylvania for bad drivers is to drive cautiously and maintain a clean driving record. The information below demonstrates how citations and accidents impact auto insurance costs for each age group. The premiums assume a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
The data charted above shows the average cost of auto insurance per year with no accidents or violations is $1,458. Receive one speeding ticket and the average cost surges to $1,694, an increase of $236 each year. Then add two accidents along with the one speeding ticket and the yearly cost of auto insurance for drivers with a bad driving record goes up to an average of $3,692. That’s an increase of $2,233, or $186 per month, just for being a careless driver!
Get discount Philadelphia car insurance rates
Insurance providers that offer quotes for drivers with a bad driving record may additionally offer premium discounts that could lower prices by as much as 25% or more if you meet certain criteria. A list of companies and the discounts they provide are shown below.
- GEICO policyholders can earn discounts including daytime running lights, driver training, five-year accident-free, emergency military deployment, multi-vehicle, and air bags.
- Auto-Owners Insurance has discounts for paid in full, mature driver, safe driver, company car, safe vehicle, and paperless.
- American Family discounts include multi-vehicle, bundled insurance, good driver, air bags, early bird, good student, and mySafetyValet.
- Esurance offers premium reductions for good student, Switch & Save, homeowner, safety device, paid-in-full, and online quote.
- Progressive offers discounts for good student, multi-policy, homeowner, multi-vehicle, online quote discount, continuous coverage, and online signing.
- State Farm includes discounts for Steer Clear safe driver discount, anti-theft, accident-free, multiple autos, multiple policy, and student away at school.
- AAA has savings for good student, education and occupation, anti-theft, good driver, pay-in-full, and AAA membership discount.
The diagram below visualizes the comparison of insurance prices with and without policy discounts. The prices are based on a male driver, three traffic citations and two accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paperless filing, marriage, anti-theft, multiple policy, passive restraint, and vehicle safety discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for drivers with a bad driving record is 28% or $1,573.
A good deal can quickly turn bad
Philadelphia, PA auto insurance rates are based on many factors which can substantially change the cost of your policy. Simply improving your credit, buying another vehicle, or getting a DUI can trigger price changes resulting in some rates now being cheaper than competitors. Not only may your risk profile change, but insurers change prices as often as every three months to adjust for gains or losses. Higher than normal claim frequency or severity can cause price increases, while less frequent claims may result in lower-cost Philadelphia car insurance rates.
For instance, the data below shows rates for the cheapest car insurance in Philadelphia, PA for a 35-year-old female driver with a clear driving record, no claims, and excellent credit. If we compare prices based on her current risk factors, General Casualty quotes the cheapest car insurance rates in Philadelphia at $1,699 a year. This is $42 more than the average price paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National are the rest of the cheapest Philadelphia, PA auto insurance companies.
In the next rate comparison, we’ll give the driver from above a claim, a lower credit rating, and a speeding ticket. Because every insurance company uses their own formula for determining rates in each state, getting updated rate quotes may now result in a different set of the cheapest Philadelphia car insurance companies as shown below.
Atlantic States now has the best car insurance rate in Philadelphia, PA with Amica, Donegal Mutual, Travelers, and GEICO also being competitive. This illustrates why it is important to compare many different companies when trying to get cheap auto insurance quotes for drivers with a bad driving record. Car insurance prices can be determined by many different factors and change dramatically, so the best option when you bought your policy may now cost much more than other companies.
If you aren’t sure which coverage to buy and prefer to get some help when buying car insurance for drivers with a bad driving record, the professional agents shown below can provide answers to your questions and help you determine which insurance coverage you need.
To find a Philadelphia insurance agency closest to you, click the button after the list or click here to compare price quotes now.
Crossing Insurance Group
4252 Richmond St – Philadelphia, PA 19137 – (215) 321-4990
John Nicolucci – State Farm Insurance Agent
6001 Ridge Ave – Philadelphia, PA 19128 – (215) 482-7000
Rexach Insurance Agency
2932 N 5th St – Philadelphia, PA 19133 – (215) 229-6320
Torri Insurance Agency
214 Fairmount Ave – Philadelphia, PA 19123 – (800) 701-5909
Savage Insurance Agency LLC
300 W Cheltenham Ave – Philadelphia, PA 19126 – (215) 224-4890