It’s impossible to miss the catchy commercials from car insurance companies like GEICO, Progressive, and Allstate that claim big savings. So drivers just need to pick the company with the best ad, right?
Regrettably, it’s not quite that easy, as there are a ton of unknown elements such as the neighborhood you live in, your annual mileage driven, and if you are married, that all go into determining the rate you pay. The information below covers some of these topics and should give you a good beginning to your search for cheaper coverage.
The vehicle driven is a large consideration that determines whether or not you can buy the best coverage for inexperienced drivers. Vehicles with high performance, poor passenger safety features, or a track record of large liability claims will cost more to insure than safer, lower-performance models.
The list below estimates insurance prices for some of the more affordable vehicles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$4,564|
|Ford Escape XLT 4WD||$4,656|
|Honda Accord LX-P 4-Dr Sedan||$4,697|
|Honda CR-V EX-L 2WD||$4,821|
|Chevrolet Impala LS||$4,830|
|Toyota Camry LE||$4,927|
|Ford Edge SE 2WD||$4,991|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$5,019|
|Ford Explorer Limited AWD||$5,027|
|Nissan Rogue S 2WD||$5,276|
|Ford Fusion SEL 4-Dr Sedan||$5,286|
|Jeep Grand Cherokee Limited 4WD||$5,293|
|Chevrolet Malibu LT||$5,502|
|Volkswagen Jetta S 4-Dr Sedan||$5,552|
|Toyota RAV4 Sport 2WD||$5,559|
|Dodge Grand Caravan Crew||$5,676|
|Honda Odyssey EX-L||$5,690|
|Dodge Ram Quad Cab TRX4 Off Road 4WD||$5,727|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$5,736|
|Hyundai Sonata GLS 4-Dr Sedan||$5,768|
|Chevrolet Equinox LTZ AWD||$5,796|
|Hyundai Elantra GLS 4-Dr Sedan||$5,809|
|Compare Rates Now Go|
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in vehicle garaging location which can influence premium rates noticeably.
Based upon these rates, vehicles like the Jeep Wrangler, Ford Escape, and Honda Accord will be some of the less-costly vehicles to insure for new drivers.
Shopping around for affordable auto insurance is difficult, and figuring out which companies offer the most affordable car insurance rates for inexperienced drivers will involve even more rate comparisons. Every auto insurer has their own process to establish rates, so let’s begin by examining the car insurance companies with the overall cheapest rates in Pennsylvania.
It’s a good idea to be aware that Philadelphia car insurance rates are based on many factors that may substantially change the cost of a policy. Things like having a birthday, having a claim, or getting a reckless driving citation may generate price changes that can now make some companies more affordable than before.
Find the Cheapest Auto Insurance for Newbies
|Rank||Company||Cost Per Year|
|17||Mutual Benefit Group||$1,397|
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General Casualty may have some of the lowest car insurance rates in Philadelphia at around $740 each year. Erie, Travelers, Penn National, and USAA would also make the list of some of the cheapest Philadelphia, PA insurance companies.
As shown in the rates above, if you currently have coverage with USAA and switched to Erie, you might see annual savings of upwards of $25. Insureds with Auto-Owners might save as much as $171 a year, and Amica insureds might reduce rates by $220 a year.
Bear in mind that those policy prices are averages for all drivers and vehicles and and are not figured with a specific vehicle garaging location for inexperienced drivers. So the auto insurance company that can offer you the best price may not even be in the list above. That emphasizes why you need to quote rates from many companies using your own individual information.
One of the more important components that aid in calculating the amount you pay for auto insurance is where you live in Philadelphia. More densely populated places likely pay more, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.
The following table lists the highest-priced places in Pennsylvania for inexperienced drivers to purchase a policy in. Philadelphia is ranked #1 with an annual premium of $1,997 on average, which is about $166 monthly.
|Rank||City||Premium Per Year|
|15||Municipality of Monr||$1,049|
|Compare Prices Now Go|
Rate information is estimated as the vehicle garaging location can revise coverage prices greatly.
How to find a good Pennsylvania car insurance company
Ending up with the best company can be a challenge considering how many choices there are in Philadelphia. The rank data shown next could help you choose which coverage providers to look at when trying to find the cheapest insurance for inexperienced drivers. The ratings below are only comprised of companies that insure vehicles across America, so companies that focus mainly on Pennsylvania business are not factored into this list.
Top 10 Large Auto Insurance Companies in Philadelphia Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Erie Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
Full coverage versus liability only rates
Saving on car insurance should be important to most drivers, and one of the best ways to lower the cost of insurance for inexperienced drivers is to not pay for full coverage. The illustration below shows the comparison of car insurance rates with full coverage and liability only. The information is based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no other discounts are factored in.
Averaged for all age groups, full coverage on your policy costs an additional $1,889 per year over and above liability coverage. Many drivers may wonder if physical damage coverage is worth the money. There isn’t a written rule to stop buying physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.
The information below highlights how deductible choice can raise or lower annual premium costs when searching for cheap insurance for inexperienced drivers. The costs are based on a single male driver, full coverage, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could lower their policy premium by $270 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $408 by changing to a $1,000 deductible. Youthful drivers, such as the Age 20 example, could save up to $888 annually just by choosing larger deductibles.
If you do decide to increase your deductibles, it is essential to have enough funds in savings to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Tips for finding cheaper auto insurance for inexperienced drivers
Here are some of the better thrifty solutions that can help drivers quote more affordable coverage.
- Pay cheaper rates with good credit scores
- If possible, pay for small claims out-of-pocket
- Avoid at-fault accidents and claims
- Do not get traffic citations
- Buy safe vehicles
- Look for cheaper rates once a year by shopping around
The last suggestion is highly significant, as we pointed out in the article above. Auto insurance rates in Philadelphia change a lot, so drivers shouldn’t be reluctant to switch carriers if a better deal can be had.
Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that inflexibility results in costing you a small fortune year after year. It only take a few minutes to compare prices and find cheaper auto insurance for inexperienced drivers.
The insurance agencies listed below can provide answers to your questions and help you determine which car insurance policy is best, as some people prefer to have a consultation when trying to find the best insurance rates for inexperienced drivers. It can be time-consuming to find the best coverage yourself, and using a licensed agent can add comfort knowing you have sufficient protection if you have a claim.
To find an agent close to where you live, click the button at the bottom.
Philadelphia Insurance Companies
231 St Asaphs Rd #100 – Bala Cynwyd, PA 19004 – (610) 617-7900
Wanda Dancy – State Farm Insurance Agent
2805 N 47th St, FL-1 – Philadelphia, PA 19131 – (215) 871-3390
State Farm – Philadelphia – Thanh Pham
254 S 10th St – Philadelphia, PA 19107 – (215) 238-7400
Larry Lewis Insurance Agency, LLC
4548 Market St #208 – Philadelphia, PA 19139 – (215) 243-4110
Nationwide Insurance: Ferullo Insurance Agencies LLC
1636 S Front St – Philadelphia, PA 19148 – (215) 468-4116