Who Has the Cheapest Philadelphia Auto Insurance for Lyft Drivers?

Wouldn’t this article be short if we could tell you instantly one specific company that has the cheapest rates for Lyft drivers? Regrettably, it’s not quite that easy, as there are a whole slew of unknown elements such as the crime level of your neighborhood, if you have a spouse, your annual mileage driven, and if you currently have coverage, that all impact the price you pay. We will attempt to cover the best ways to save money and educate you enough to have a good start to your coverage search.

The car, truck, or SUV driven is probably the most important factor when quoting the cheapest coverage for Lyft drivers. Vehicles with high performance, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than more economical and safe models.

The next table features auto insurance costs for some of the more affordable automobiles to insure in Pennsylvania.

Cheapest Vehicles to Insure in Philadelphia, PA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 2WD $4,541
Honda CR-V LX 4WD $4,683
Chevrolet Malibu Hybrid $4,922
Toyota Camry LE $4,929
Chevrolet Equinox LS 2WD $4,922
Toyota RAV4 2WD $4,930
Toyota Prius $5,051
Dodge Grand Caravan SE $5,078
Hyundai Elantra Blue 4-Dr Sedan $5,087
Chevrolet Silverado LS Regular Cab 4WD $5,156
Toyota Corolla LE $5,184
Ford Edge Limited AWD $5,193
Chevrolet Impala LS $5,266
Volkswagen Jetta 2.0T 4-Dr Sedan $5,276
Ford Focus SE 4-Dr Sedan $5,413
Ford F-350 XL Crew Cab Turbo Diesel 2WD $5,459
Ford Explorer Limited 4WD $5,482
Toyota Tacoma Double Cab TRD Sport Package 4WD $5,489
GMC Sierra 2500HD SLT Crew Cab 4WD $5,542
Kia Optima SX $5,625
Dodge Ram 3500 Crew Cab Laramie 2WD $5,661
Ford F-150 XLT Crew Cab 4WD $5,668
Dodge Ram 2500 Mega Cab SLT 4WD $5,716
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price estimates do not factor in zip code location which can lower or raise price quotes significantly.

By looking at the data, cars like the Ford Escape, Honda CR-V, Chevrolet Malibu, and Toyota Camry should be the most budget-friendly vehicles to insure for Lyft vehicles.

For Lyft vehicles, one of the big things that aid in calculating the amount you pay each year for auto insurance is where your residence is. Larger areas tend to pay slightly more, whereas more rural areas have the benefit of cheaper car insurance.

The table below rates the most costly cities in Pennsylvania for Lyft drivers in which to purchase auto insurance. Philadelphia shows up at #1 with the annual price of $1,977 for the average insurance policy, which is around $165 each month.

Car insurance prices in Philadelphia
Rank City Premium Per Year
1 Philadelphia $1,977
2 Drexel Hill $1,549
3 Chester $1,435
4 Levittown $1,421
5 Norristown $1,307
6 Allentown $1,141
7 Reading $1,110
8 Pittsburgh $1,095
9 Easton $1,091
10 Plum $1,089
11 Wilkes-Barre $1,079
12 Erie $1,071
13 Municipality of Monr $1,059
14 Hazleton $1,046
15 Bethlehem $1,045
16 Altoona $1,042
17 Scranton $1,039
18 Harrisburg $1,025
19 New Castle $1,015
20 Williamsport $996
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Rate quotes are estimated as the vehicle garaging location can decrease or increase auto insurance rates greatly.

Ending up with the top auto insurance provider can be challenging considering how many choices there are in Pennsylvania. The ranking data displayed below can help you choose which auto insurance companies to look at purchasing a policy from.

The rankings below are only comprised of the largest auto insurers in America, so smaller companies that only insure vehicles in Pennsylvania are not included in these rankings. To compare prices from these and other top-rated companies, click here.

Top Auto Insurance Companies for Lyft Drivers in Pennsylvania
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: Insure.com Best Car Insurance Companies

Responsible drivers pay cheaper auto insurance rates

In a perfect world, the best way to snag cheap auto insurance prices in Pennsylvania for Lyft vehicles is to drive carefully and avoid accidents and keep your driving record clean. The information below illustrates how traffic citations and fender-benders can affect yearly insurance costs for different age categories. The price estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

In the previous example, the average cost of a car insurance policy per year with no violations or accidents is $1,793. Get written up for one speeding ticket and the average cost surges to $2,060, an increase of $268 each year. Now get one accident along with the one speeding ticket and the annual cost of auto insurance for Lyft drivers jumps again to an average of $2,811. That’s an increase of $1,018, or $85 per month, just for not being attentive to the road!

How to find low-cost insurance for Lyft drivers

Here are some thrifty solutions that can help drivers buy more affordable car insurance.

That final tip is certainly important, as was pointed out in the article above. Auto insurance prices vary considerably, so don’t be tentative to buy from a different company if a cheaper rate is available. Brand loyalty is not necessarily bad, but we do not recommend it if that dedication is costing lots of money. It only take a few minutes to compare rates and find cheaper auto insurance for Lyft drivers in Philadelphia.

The agents shown below can help you determine which insurance coverage you need, as some people have coverage questions and would like to have some advice when shopping for cheaper insurance for Lyft drivers. It’s not always easy to find the cheapest auto insurance company, so agents can add satisfaction knowing you have enough coverage when you need it.

To locate an agency in your neighborhood, click the button following the list.

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