For state workers, one of the more important components that aid in calculating the annual cost of car insurance is where you normally keep your vehicle in Philadelphia. Areas with more people or even just a higher incidence of claims tend to pay more, whereas more rural areas have the gratification of cheaper auto insurance rates.
The information below rates the most expensive places in Pennsylvania for state employees to purchase car insurance in. Philadelphia is listed at #1 costing $2,037 for the average insurance policy, which is around $170 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Philadelphia | $2,037 |
| 2 | Drexel Hill | $1,489 |
| 3 | Chester | $1,435 |
| 4 | Levittown | $1,407 |
| 5 | Norristown | $1,307 |
| 6 | Erie | $1,115 |
| 7 | Allentown | $1,097 |
| 8 | Pittsburgh | $1,085 |
| 9 | Scranton | $1,081 |
| 10 | Hazleton | $1,078 |
| 11 | Reading | $1,066 |
| 12 | Municipality of Monr | $1,059 |
| 13 | Easton | $1,058 |
| 14 | Bethlehem | $1,055 |
| 15 | Plum | $1,047 |
| 16 | Wilkes-Barre | $1,047 |
| 17 | Altoona | $1,032 |
| 18 | New Castle | $1,026 |
| 19 | Williamsport | $996 |
| 20 | Harrisburg | $995 |
| 21 | Lancaster | $995 |
| 22 | Bethel Park | $979 |
| 23 | York | $944 |
| 24 | Lebanon | $922 |
| 25 | State College | $905 |
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Rates are comparative as the vehicle garaging location can influence premium rates significantly.
Finding out which companies offer the lowest-priced car insurance rates for state employees requires more time than just getting one or two price quotes. Every insurance provider has their own process to establish rates, so let’s take a look at the most affordable car insurance companies in Pennsylvania.
It’s important to know that Philadelphia, PA car insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Simply turning a year older, buying a different home, or getting a speeding ticket can trigger price changes that can make some companies more affordable than before.
Best Car Insurance Prices in Pennsylvania
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $718 |
| 2 | USAA | $809 |
| 3 | Travelers | $811 |
| 4 | Penn National | $816 |
| 5 | Erie | $824 |
| 6 | Auto-Owners | $973 |
| 7 | Amica | $1,012 |
| 8 | Atlantic States | $1,047 |
| 9 | Donegal Mutual | $1,058 |
| 10 | GEICO | $1,111 |
| 11 | Allied | $1,144 |
| 12 | California Casualty | $1,186 |
| 13 | State Farm | $1,198 |
| 14 | State Auto | $1,229 |
| 15 | Encompass | $1,344 |
| 16 | Harleysville | $1,410 |
| 17 | Mutual Benefit Group | $1,411 |
| 18 | Progressive | $1,457 |
| 19 | Nationwide | $1,491 |
| 20 | Chubb | $1,551 |
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General Casualty has some of the best car insurance rates in Philadelphia at around $718 each year. This is $939 less than the average premium paid by Pennsylvania drivers of $1,657. USAA, Travelers, Penn National, and Erie also rank well as some of the most economical Philadelphia, PA auto insurance companies.
In the rate table above, if you currently buy coverage from Erie and switched to USAA, you could earn an annual premium reduction of in the vicinity of $15. Drivers with Auto-Owners might save as much as $164 a year, and Amica policyholders might realize rate reductions of up to $203 a year.
Understand that those policy rates are averaged for all insureds and vehicles and do not take into consideration an exact zip code location for state employees. So the auto insurance company that has the cheapest price for you may not even be in the top 30 companies in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own driver data and vehicle information.
The car, truck, or SUV you are seeking coverage for is one of the biggest factors when shopping for affordable coverage for state employees. Vehicles with economical engines, a great safety record, or low incidents of liability claims will cost substantially less to insure than higher performance models. The next table ranks coverage costs for the cheaper automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $4,458 |
| Toyota Prius | $4,517 |
| Ford Escape XLT 2WD | $4,599 |
| Toyota RAV4 Limited 4WD | $4,826 |
| GMC Sierra SL Extended Cab 2WD | $4,833 |
| Chevrolet Impala LT | $4,826 |
| Chevrolet Equinox LT AWD | $4,831 |
| Chevrolet Malibu LT | $4,917 |
| Ford F-350 XL Super Cab 2WD | $5,008 |
| Ford F-150 XLT Regular Cab 2WD | $5,058 |
| Chevrolet Silverado LS Crew Cab 4WD | $5,177 |
| Dodge Grand Caravan SE | $5,181 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $5,231 |
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Prices above 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 claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in specific Philadelphia, PA garaging location which can affect coverage rates significantly.
Looking at the numbers, we can tell that models like the Honda CR-V, Toyota Prius, and Ford Escape are the cheaper vehicles to insure for state workers.
Picking the right auto insurance provider can be challenging considering how many companies provide coverage in Philadelphia. The company information displayed below could help you select which coverage providers you want to consider purchasing coverage from. The ratings below only include companies with a nationwide focus, so companies without a large exposure will not be included in these rankings.
Top 10 Major Auto Insurance Providers in Philadelphia Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Erie Insurance
- Allstate
Top 10 Major Auto Insurance Providers 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%
Types of discounts on Philadelphia auto insurance
Insurance companies that offer quotes for state employees may also offer rate discounts that could lower prices by 30% or more if you qualify for them. The best car insurance companies and a selection of discounts are included below.
- Progressive may include discounts for online quote discount, online signing, good student, continuous coverage, homeowner, multi-vehicle, and multi-policy.
- AAA has discounts for good student, multi-car, education and occupation, AAA membership discount, anti-theft, good driver, and pay-in-full.
- Farmers Insurance includes discounts for distant student, teen driver, good student, bundle discounts, electronic funds transfer, homeowner, and multi-car.
- GEICO discounts include military active duty, membership and employees, driver training, multi-policy, seat belt use, and anti-lock brakes.
- Esurance policyholders can earn discounts including anti-lock brakes, DriveSense, defensive driver, safety device, and multi-policy.
- SAFECO has savings for multi-car, bundle discounts, safe driver, accident prevention training, and teen safety rewards.
- State Farm may have discounts that include defensive driving training, Drive Safe & Save, student away at school, passive restraint, good student, accident-free, and anti-theft.
The illustration below illustrates the comparison of insurance prices with and without discounts being applied to the rates. The rate quotes are based on a male driver, no claims or violations, Pennsylvania state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with defensive driving course, accident-free, safe-driver, multiple vehicle, homeowner, and marriage discounts applied. When discounts are factored in, theaverage amount saved on car insurance for state employees is 28% or $386.
Insurance rate increases from tickets or accidents
The common sense way to score good car insurance prices in Philadelphia for state workers is to be a careful driver and not have accidents or get tickets. The diagram below illustrates how speeding tickets and at-fault claims impact auto insurance rates for different age categories. The premium estimates are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
In the chart above, the average cost of car insurance in Philadelphia per year with no violations or accidents is $1,063. Factor in two speeding tickets and the average cost hikes up to $1,499, an increase of $436 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of car insurance for state employees goes up to an average of $3,323. That’s an increase of $2,260, or $188 per month, just for not driving attentively!
Why you should be shopping around
Philadelphia car insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Improving your credit rating, buying higher coverage limits, or getting a reckless driving citation can trigger changes in premium that may make certain companies cheaper than competitors.
Also, insurance companies change their prices at least once a year in order to maintain liquidity for claims. A period of higher than normal claims can cause rate hikes, while profitable underwriting can result in cheaper Philadelphia car insurance rates.
The data below shows the company with the cheapest car insurance in Philadelphia, PA for a 30-year-old female driver with a good driving record, no prior claims, and good credit. If we look at prices based on her personal profile, General Casualty may have the most affordable car insurance rates in Philadelphia at $1,701 annually. This is $44 more than the average rate paid by Pennsylvania drivers of $1,657. USAA, Travelers, Erie, and Penn National are the rest of the cheapest Philadelphia, PA auto insurance companies.
In this next rate comparison, we will give the driver in the first chart an accident claim, slightly worse credit, and a traffic citation. Due to the fact that every auto insurer has a different process for determining rates in each state, comparing prices may now show a different list of affordable Philadelphia car insurance companies as shown below.
Auto-Owners now has the lowest price on auto insurance in Philadelphia, PA with Atlantic States, Donegal Mutual, Travelers, and Penn National also being competitive. This shows why consumers need to perform an extensive rate comparison when trying to get affordable auto insurance quotes for state employees. Prices can be determined by many things and change dramatically, so the best price the last time you shopped around may now be quite expensive.