This article would sure be shorter if we could just tell you the one car insurance company that has the cheapest rates in Pennsylvania. That is not the case, however, as there are a whole bunch of unknowns such as the safety ratings of your vehicle, your credit history, your age, and whether you are a man or a woman, that all impact the cost of your policy. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to pay less and will give you a jump start in finding the best auto insurance in Philadelphia.
One of the many factors that are looked at to determine the amount you pay each year for auto insurance is your zip code. Cities with more crime and/or more people will most likely have higher rates, whereas areas with less crime or weather claims tend to receive slightly lower rates.
The information below rates the most expensive cities in Pennsylvania for immigrants in which to purchase auto insurance. Philadelphia makes the list at #1 with a yearly premium of $2,037 for the average policyholder, which is about $170 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Philadelphia | $2,037 |
| 2 | Drexel Hill | $1,504 |
| 3 | Levittown | $1,407 |
| 4 | Chester | $1,379 |
| 5 | Norristown | $1,268 |
| 6 | Allentown | $1,108 |
| 7 | Hazleton | $1,088 |
| 8 | Erie | $1,082 |
| 9 | Scranton | $1,081 |
| 10 | Reading | $1,077 |
| 11 | Easton | $1,069 |
| 12 | Pittsburgh | $1,063 |
| 13 | Plum | $1,057 |
| 14 | Wilkes-Barre | $1,057 |
| 15 | New Castle | $1,057 |
| 16 | Bethlehem | $1,055 |
| 17 | Municipality of Monr | $1,049 |
| 18 | Altoona | $1,032 |
| 19 | Harrisburg | $1,025 |
| 20 | Bethel Park | $1,009 |
| 21 | Lancaster | $1,005 |
| 22 | Williamsport | $996 |
| 23 | Lebanon | $960 |
| 24 | York | $954 |
| 25 | State College | $896 |
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Annual rates are comparative as the garaging address in Philadelphia can raise or lower rates noticeably.
Figuring out which companies have the best car insurance rates for immigrants will require a bit more effort in order to find the lowest price quote. Every auto insurer has a proprietary formula to establish rates, so let’s take a look at the overall cheapest car insurance companies in Philadelphia.
It’s important to know that Philadelphia, PA car insurance rates are calculated based on many things that may substantially change the price of your policy. Improving your credit score, moving across town, or getting a driving violation may prompt premium changes that can cause some rates to be much cheaper than others.
Cheapest Insurance Rates for Migrants
General Casualty generally has some of the cheapest car insurance rates in Philadelphia at around $748 per year. This is $909 less than the average rate paid by Pennsylvania drivers of $1,657. USAA, Travelers, Erie, and Penn National are also some of the best Philadelphia, PA auto insurance companies.
As the example above demonstrates, if you currently have coverage with Erie and switched to USAA, you could see savings of approximately $7. Insureds with Penn National could save as much as $47 a year, and Auto-Owners customers might lower prices by $218 a year.
To see if your current coverage is too expensive, click here to start your free quote or click several companies below for low rates.
Bear in mind that those policy rates are averages for all drivers and vehicles in Pennsylvania and do not take into consideration a specific vehicle garaging location for immigrants. So the car insurance company that can offer the best rates for your situation may not even be in the top 30 companies shown above. That underscores the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.
The car, truck, or SUV driven is a large consideration when consumers are trying to find low-cost insurance for immigrants. Vehicles with lots of horsepower, a lack of safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models.
The table below illustrates auto insurance premiums for a handful of the more affordable vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Volkswagen Jetta 2.0T Station Wagon | $4,687 |
| Chevrolet Equinox LS AWD | $4,741 |
| Honda CR-V LX 4WD | $4,914 |
| Chevrolet Impala LTZ | $4,987 |
| Ford Escape XLT 4WD | $5,032 |
| GMC Sierra SLT Extended Cab 2WD | $5,078 |
| Toyota Prius | $5,087 |
| Kia Optima LX | $5,091 |
| Nissan Rogue SL 2WD | $5,099 |
| Dodge Grand Caravan SE | $5,155 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $5,169 |
| Hyundai Sonata SE 4-Dr Sedan | $5,337 |
| Toyota Tacoma 2WD | $5,341 |
| Ford Fusion SEL AWD 4-Dr Sedan | $5,419 |
| Chevrolet Silverado LTZ Extended Cab 2WD | $5,428 |
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in garaging location in Philadelphia, PA which can increase or decrease coverage prices considerably.
Based on these rates, you can conclude that cars like the Volkswagen Jetta, Chevrolet Equinox, and Honda CR-V are likely to be some of the most budget-friendly vehicles to insure for foreigners.
The illustration below highlights how deductible choice can affect annual premium costs when searching for cheap insurance for immigrants. The data is based on a married male driver, full coverage, and no discounts are taken into consideration.
As shown above, a 50-year-old driver could save $230 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $346 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, have the ability to save as much as $762 annually by choosing larger deductibles on their policy. When increasing deductibles, it will be required to have enough savings set aside to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Should you buy full coverage?
Paying a lower price for car insurance should be important to most vehicle owners, and one of the quickest ways to find cheaper insurance for immigrants is to only buy liability insurance. The chart below shows the comparison of insurance rates when comparing full coverage to liability only. The data is based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
As an average, physical damage insurance costs an additional $1,499 per year over and above liability only. Many of you may wonder if buying full coverage is a good investment. There isn’t a written rule to stop paying for physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
There are a few situations where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
The professional agents shown below can provide answers to your questions and help you determine which insurance coverage will be best for you, as some drivers wish to get help from a professional when trying to find lower insurance rates for immigrants. It’s not always simple to find the cheapest car insurance policy, so a professional agent can give you satisfaction knowing your coverage gives you adequate protection in the event of a claim.
To find a Philadelphia insurance agency close to where you live, click the button at the bottom or click here to compare price quotes.
Goebel Insurance Agency, Inc.
2026 S 12th St – Philadelphia, PA 19148 – (215) 465-9311
Gallo Insurance Agency
617 S 18th St – Philadelphia, PA 19146 – (215) 545-9500
The Perzel Agency, Inc.
7338 Frankford Ave – Philadelphia, PA 19136 – (215) 335-6878
Vince Ovecka – State Farm Insurance Agent
456 E Girard Ave – Philadelphia, PA 19125 – (215) 739-0800
Burg Insurance
2707 Kirkbride St – Philadelphia, PA 19137 – (215) 744-4100
View map of Philadelphia, PA insurance agents
How to find economical auto insurance for immigrants
Here are some thrifty ideas that can help you get more affordable car insurance.
- Better credit scores save money
- Prevent price hikes by avoiding at-fault accidents
- Vehicles with safetly features generally cost less to insure
- Do not waste money insuring older vehicles for full coverage
- Buying car and homeowners insurance together can save money
- Comparison shop frequently
The last tip in the list is certainly necessary, as we emphasized in this piece. Car insurance rates in Philadelphia can be adjusted at any time, so you should be ready to change to a new company if a more affordable rate is found.
Many drivers prefer to stick with one company, but it’s not a good idea if your bullheadedness ends up costing you lots of hard earned cash every month. In just a couple of minutes you could shop around to find cheaper auto insurance for immigrants.