Best cheap car insurance companies in Philadelphia

To determine the best cheap car insurance companies in Philadelphia, we started by analyzing average premiums from Quadrant Information Services. Based on our research, the cheapest car insurance companies for full coverage in Philadelphia include Geico, State Farm, Erie, Progressive and Westfield.

We know that price isn’t everything, though, and that finding the best car insurance company for your needs is also important. To help you with that goal, we ranked each provider based on our proprietary Bankrate Score. This system takes into account average rates, coverage options, available discounts, customer satisfaction rankings from J.D. Power, digital tools and more. We ranked each company on a scale of 0.0 to 5.0. The higher a company’s Bankrate Score, the more highly that company ranked in the individual rating categories.

Geico

Geico offers some of the cheapest full coverage car insurance in Philadelphia. With an average rate nearly 60 percent lower than the city’s average, Geico might be a great choice for drivers on a budget. The company also has a long list of car insurance discounts with potential savings for professional affiliation, telematics programs, bundling and good students. However, Geico does have a lower-than-average J.D. Power customer satisfaction score in the Mid-Atlantic region, which could indicate some customers are not satisfied with the level of service.

Learn more: Geico Insurance review

State Farm

State Farm is the largest insurer of personal autos in the country by market share, so if you want to work with a well-known carrier, it could be a good option. The company offers two telematics programs, Drive Safe & Save for adults and Steer Clear for teens. These may help further bring down your rates with the carrier. State Farm doesn’t offer gap insurance, though, and accident forgiveness coverage cannot be purchased (you can only earn it after a certain number of years of accident-free driving).

Learn more: State Farm Insurance review

Erie

If you’re looking for cheap coverage that also comes with a number of add-on options, Erie might be a good choice. The company, which is only available in 12 states, offers plenty of endorsements, like pet coverage and locksmith services. Erie also boasts the highest official J.D. Power customer satisfaction score in the Mid-Atlantic region. However, J.D. Power gave Erie a below-average ranking for digital service experience, which means it might not be the best company if you want to handle your policy online or by mobile.

Learn more: Erie Insurance review

Progressive

If you want to save time and money, Progressive may be a good choice. It offers one of the cheapest average full coverage premiums on our list and boasts strong digital tools. One standout feature is the Name Your Price option, which allows you to input your car insurance budget and then shows you a range of options that fit. Unfortunately, Progressive has the lowest J.D. Power customer satisfaction score on our list, so it may not be the best option for drivers who value customer service.

Learn more: Progressive Insurance review

Westfield

Westfield is perhaps not as well known as the other companies on our list, but it may still be worth getting a quote. Westfield sells its products through a network of local independent agents, who may be intimately familiar with the needs of Philadelphia drivers. Although it’s a smaller carrier, it still offers various endorsements, including the ability to insure multiple vehicle types, like RVs, autos and campers, on a single policy. Westfield’s digital tools are lacking functionality, though, so it might not be the best company for those who value a tech-forward approach.

Learn more: Westfield Insurance review

How to get and keep the cheapest car insurance in Philadelphia

Maintaining cheap car insurance rates may be just as important as finding them in the first place. Here are some ways you might find and keep cheap car insurance in Philadelphia:

• Shop around: Getting quotes from several carriers allows you to compare rates, coverage options, discounts and policy features. Taking the time to analyze the quotes from a handful of companies may help you find the most competitive price in Pennsylvania.
• Check for discounts when your policy renews: Most car insurance companies offer at least a handful of discounts to help drivers save. As your circumstances change, you may become eligible for more discounts. Reviewing the discounts your carrier offers when your policy renews may help ensure you’re taking advantage of all potential savings opportunities.