How Much is Philadelphia Car Insurance for Drivers with Accidents?

Locating cost effective insurance is challenging, and finding out which companies offer the best car insurance rates for drivers with accidents takes additional perseverance. Each company uses a little different formula for establishing rates, so to begin we’ll rank the car insurance companies that tend to be cheaper in Philadelphia, PA.

It’s a good idea to know that Pennsylvania car insurance rates are impacted by many things that may substantially change the policy price. This price variation is why it is important to do a thorough rate comparison to find the most affordable car insurance rates for drivers with accidents. Car insurance prices are made up of many factors and change dramatically, so the most affordable company when you bought your policy may now be priced much higher than other options.

Best Auto Insurance Prices for Accident Prone Drivers

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Rankings for the cheapest Pennsylvania auto insurance companies
Rank Company Cost Per Year
1 General Casualty $748
2 Travelers $779
3 USAA $793
4 Erie $800
5 Penn National $816
6 Auto-Owners $973
7 Amica $992
8 Atlantic States $1,047
9 Donegal Mutual $1,058
10 GEICO $1,145
11 Allied $1,155
12 State Farm $1,174
13 California Casualty $1,198
14 State Auto $1,229
15 Encompass $1,357
16 Harleysville $1,396
17 Mutual Benefit Group $1,397
18 Progressive $1,472
19 Nationwide $1,477
20 Chubb $1,551
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General Casualty has some of the cheapest car insurance rates in Philadelphia at around $748 a year. Travelers, USAA, Erie, and Penn National also make the cut as some of the cheapest Philadelphia, PA auto insurance companies.

In this example, if you buy coverage from Travelers and switched to General Casualty, you could earn annual savings of roughly $31. Insureds with USAA might save as much as $45 a year, and Erie insureds might realize rate reductions of up to $52 a year.

If you want to find out if you’re overpaying, click here to start your free quote or feel free to get quotes from the companies below.

Remember that these policy prices are averages across all types of insureds and vehicles and and are not figured with an exact zip code location for drivers with accidents. So the insurer that has the cheapest rates for you may not even be in the top 30 companies in the list above. That’s why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

For drivers with at-fault accidents, one of the big considerations that are used to help calculate auto insurance rates is your address. Regions with more people or even just more weather-related claims tend to have more expensive car insurance rates, whereas more rural areas have the benefit of cheaper car insurance.

The information below sorts the most costly cities in Pennsylvania for drivers with accidents to purchase auto insurance in. Philadelphia is ranked #1 with a yearly cost of $1,997 on average, which is about $166 per month.

How much does car insurance cost in Philadelphia, PA?
Rank City Annual Premium
1 Philadelphia $1,997
2 Drexel Hill $1,534
3 Chester $1,379
4 Levittown $1,365
5 Norristown $1,307
6 Allentown $1,130
7 Reading $1,110
8 Erie $1,104
9 Easton $1,102
10 Wilkes-Barre $1,089
11 Pittsburgh $1,085
12 Scranton $1,081
13 Municipality of Monr $1,081
14 Hazleton $1,078
15 Plum $1,057
16 New Castle $1,046
17 Bethlehem $1,045
18 Altoona $1,042
19 Harrisburg $1,025
20 Lancaster $995
21 Williamsport $986
22 Bethel Park $979
23 York $954
24 Lebanon $950
25 State College $905
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Prices are estimated as specific Philadelphia zip code can raise or lower coverage rates considerably.

Discount Philadelphia insurance

Car insurance for drivers with at-fault accidents in Philadelphia, PAInsurance companies that sell policies for drivers with accidents may additionally offer premium discounts that can reduce rates by as much as 25% or more if you are eligible to receive them. Popular car insurance companies and a summarized list of policyholder discounts are outlined below.

The information below illustrates the comparison of insurance costs with and without some available policy discounts. The costs are based on a female driver, two accidents and no citations, Pennsylvania state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with marriage, passive restraint, homeowner, multiple policy, anti-theft, and paid-in-full discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for drivers with accidents is 28% or $757.

The example below shows how choosing a deductible can raise or lower insurance costs when getting quotes for cheap insurance for drivers with accidents. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

In the chart above, a 50-year-old driver could lower their policy premium by $364 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $550 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old category, could potentially save up to $928 or more by choosing a higher deductible. When increasing deductibles, it’s a good idea to have enough funds in savings to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Philadelphia car insurance companies ranked

Insuring your vehicle with a good quality auto insurance provider is difficult considering how many companies there are in Pennsylvania. The company rank data in the next section could help you pick which insurers you want to consider when comparing rate quotes. These rankings are only made up of companies that insure vehicles nationwide, so companies with more of a regional focus are not taken into consideration for these rankings.

Best Ten Car Insurance Companies for Drivers with Accidents 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
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Data Source: Best Car Insurance Companies

Low rates can quickly become overpriced

Philadelphia car insurance rates are calculated based on many things which can significantly increase or decrease the cost of coverage. Simply having a birthday, marrying your spouse, or getting a reckless driving citation can produce rate changes that can now make some companies more affordable than others. Not only may things change on your end, but car insurance companies file new Pennsylvania car insurance rates every year or even multiple times each year in order to be able to pay unexpected claims. An unexpected high level of claims can cause additional premium costs, while lower claim levels can cause more affordable Philadelphia car insurance rates.

For example, the bar chart below compares the cheapest car insurance in Philadelphia, PA for a 30-year-old male driver with no accidents or violations, and a good credit rating. If we compare prices based on his current rating profile, General Casualty quotes the cheapest car insurance rates in Philadelphia at $1,666 per year. This is $9 more than the average premium paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National are the remainder of the best Philadelphia, PA auto insurance companies.

In the next rate comparison, we’ll give the driver from the first set of rates a couple of claims, a lower credit rating, and a traffic ticket or two. Due to the fact that every insurance company uses their own formula to set premium rates, analyzing rate quotes most likely will result in a slightly different list of companies as shown below.

Amica now has the cheapest rate in Philadelphia with Atlantic States, Donegal Mutual, USAA, and GEICO also having competitive pricing. This example illustrates why drivers need to spend some time comparing rates when trying to find the most affordable insurance rates for drivers with accidents.

Auto insurance prices are made up of many things and can decrease or increase without notice, so the cheapest rate the last time you compared rates may now be quite expensive.