Updated August 2026 · public rate filings

Cheapest car insurance in Philadelphia, Pennsylvania

Pennsylvania requires minimum liability coverage of 15/30/5, plus $5,000 in first-party medical benefits.

Adult driver, full coverage

GEICO $160.41/mo

Progressive $172.75/mo

GEICO (estimated from state average) $186.12/mo

State Farm $188.65/mo

Progressive (estimated from state average) $198.00/mo

State Farm (estimated from state average) $209.88/mo

About these numbers

Rates are estimates built from public rate filings, not personalized quotes. Your own rate will depend on your driving record, exact address, and the coverage limits you choose. See our methodology for sources.