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
| 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.
| 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
Insurance 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.
- Progressive offers premium reductions for good student, continuous coverage, homeowner, online signing, online quote discount, and multi-vehicle.
- GEICO has savings for five-year accident-free, anti-lock brakes, membership and employees, driver training, and good student.
- State Farm policyholders can earn discounts including good student, passive restraint, anti-theft, Drive Safe & Save, safe vehicle, and student away at school.
- Esurance discounts include online shopper, Switch & Save, good student, good driver, online quote, and multi-policy.
- The Hartford offers discounts including good student, driver training, anti-theft, air bag, bundle, and defensive driver.
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.
| 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: Insure.com 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.