The vehicle model requiring coverage is a large consideration when looking for the most affordable auto insurance for high mileage drivers. Vehicles with limited top-end speed, a plethora of safety features, or a low likelihood of having liability claims will cost significantly less to insure than high performance models.
The list below presents insurance prices for the cheaper vehicles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Dodge Grand Caravan SE | $4,836 |
| Honda Odyssey EX | $5,014 |
| Ford Escape Limited 2WD | $5,022 |
| Ford Focus SE 4-Dr Sedan | $5,014 |
| Ford Edge SEL AWD | $5,023 |
| Honda CR-V EX-L 4WD | $5,014 |
| Volkswagen Jetta SE 2.5 Station Wagon | $5,065 |
| Toyota RAV4 Limited 4WD | $5,112 |
| Chevrolet Impala LT | $5,117 |
| Toyota Camry LE | $5,112 |
| Toyota Prius | $5,267 |
| Toyota Corolla LE | $5,388 |
| Ford F-150 XLT Super Cab 4WD | $5,407 |
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in vehicle location which can affect prices noticeably.
By looking at the data, we can assume that cars like the Dodge Grand Caravan, Honda Odyssey, Ford Escape, Ford Focus, and Ford Edge are likely to be a few of the most economical vehicles to insure for high mileage drivers.
For high mileage drivers, one of the more important components that are looked at to determine insurance cost is where you normally keep your vehicle in Philadelphia. Areas with high crime rates or more dense population tend to have more expensive auto insurance rates, whereas less populated areas have the benefit of cheaper car insurance.
The following table sorts the most expensive cities in Pennsylvania for high mileage drivers to purchase car insurance in. Philadelphia comes in at #1 with an annual cost of $1,977 for the average policy, which is approximately $165 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $1,977 |
| 2 | Drexel Hill | $1,549 |
| 3 | Chester | $1,421 |
| 4 | Levittown | $1,365 |
| 5 | Norristown | $1,281 |
| 6 | Easton | $1,102 |
| 7 | Allentown | $1,097 |
| 8 | Pittsburgh | $1,095 |
| 9 | Scranton | $1,081 |
| 10 | Wilkes-Barre | $1,079 |
| 11 | Erie | $1,071 |
| 12 | Reading | $1,066 |
| 13 | Municipality of Monr | $1,059 |
| 14 | New Castle | $1,057 |
| 15 | Plum | $1,047 |
| 16 | Hazleton | $1,046 |
| 17 | Bethlehem | $1,045 |
| 18 | Altoona | $1,042 |
| 19 | Bethel Park | $1,009 |
| 20 | Harrisburg | $985 |
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Rates are approximated as specific Philadelphia garaging address can decrease or increase premiums significantly.
Poor driving habits will raise your auto insurance rates
The ideal way to receive the best auto insurance prices in Philadelphia for high mileage drivers is to drive carefully and avoid traffic citations and accidents. The example below demonstrates how citations and at-fault fender-benders drive up insurance premiums for different age groups of insureds. The rate quotes are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
The data charted above shows the average cost of car insurance in Pennsylvania per year with a clean driving record and no accidents is $1,063. Add in one speeding ticket and the average cost hikes up to $1,240, an increase of $177 each year. Then add two accidents along with the one speeding ticket and the annual cost of auto insurance for high mileage drivers goes up to an average of $2,910. That’s an increase of $1,847, or $154 per month, just for not driving attentively!
Get discounts on Philadelphia auto insurance rates
Insurance companies that offer coverage for high mileage drivers may also give you special discounts that could lower prices by as much as 25% or more if you can meet the requirements. A few popular companies and a summarized list of policyholder discounts are detailed below.
- GEICO has discounts for daytime running lights, seat belt use, military active duty, emergency military deployment, and defensive driver.
- Auto-Owners Insurance may offer discounts for safe driver, good student, air bags, group or association, paid in full, safe vehicle, and mature driver.
- American Family offers premium reductions for multi-vehicle, TimeAway discount, Steer into Savings, good student, and good driver.
- Esurance discounts include safety device, Switch & Save, emergency road assistance, multi-car, and online quote.
- Progressive has savings for multi-policy, online signing, continuous coverage, online quote discount, multi-vehicle, homeowner, and good student.
- State Farm policyholders can earn discounts including Drive Safe & Save, multiple policy, student away at school, defensive driving training, and good student.
- AAA may include discounts for good student, AAA membership discount, pay-in-full, good driver, education and occupation, and multi-policy.
The illustration below compares car insurance rates with and without discounts applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with anti-theft, vehicle safety, marriage, multiple vehicle, homeowner, and accident-free discounts applied. When discounts are factored in, theamount saved on auto insurance for high mileage drivers is 28% or $478.
Why you should shop around
Pennsylvania auto insurance rates are based on many factors that can increase the cost of having a policy. Improving your credit score, buying higher coverage limits, or getting a couple of tickets can trigger price changes that can now make some companies cheaper than competitors.
Not only may things change on your end, but auto insurance companies change their prices as often as every three months to adjust for unexpected claims or profits. Larger than normal claims can cause more expensive prices, while a better loss history may produce cheaper Philadelphia car insurance rates.
As an example, the bar chart below shows the cheapest car insurance in Philadelphia, PA for a 40-year-old male driver with no accidents or violations, and solid credit. When quoting prices based on his personal profile, General Casualty might quote the best car insurance rates in Philadelphia at $1,700 per year. This is $43 more than the average rate paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National round out the rest of the cheapest Philadelphia, PA auto insurance companies.
The chart below compares rates after we give the driver from above a chargeable accident, poor credit, and a couple of points charged on his driving record. Since each auto insurer has a unique approach to determine rates, analyzing rates will most likely result in a different set of the cheapest companies as shown below.
Amica now has the best auto insurance rate in Philadelphia with Atlantic States, Travelers, Donegal Mutual, and Erie also having competitive pricing. This illustrates why consumers need to perform a complete rate comparison when trying to get the lowest car insurance rates for high mileage drivers. Insurance rates consist of many risk factors and can change substantially, so the best option six months ago may now be quite expensive.
Ideas for finding cheaper auto insurance for high mileage drivers
Below you’ll find a few money-saving solutions that can help Philadelphia drivers locate cheap coverage.
- Full coverage may not be needed on older vehicles
- Earn discounts for being claim-free
- Bundle home and auto and earn a discount
- Vehicles with safetly features generally cost less to insure
- Avoid accidents
- Avoid getting citations and tickets
- Compare rates once a year for cheaper prices
That final tip is incredibly valuable, as was stressed in this piece. Coverage rates can be changed at any time, so drivers shouldn’t hesitate to buy a policy from a new company if you can find a cheaper rate.
Sticking with a specific company is fine, but it’s not recommended if that dedication is costing hundreds of dollars a year. If you have a few minutes, compare prices to find cheaper insurance for high mileage drivers in Philadelphia.