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Auto Insurance in Philadelphia, PA

Local car insurance for Philadelphia. Pick your ZIP for the most local rates, or get free quotes now.

Short answer: car insurance in Philadelphia, PA depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026

Philadelphia, PA
Population ~1,553,165 · Philadelphia County · Pennsylvania statewide average: ~$1,155/yr (NAIC, 2023).

Philadelphia ZIP codes

FAQ

How much is car insurance in Philadelphia, PA?

Philadelphia rates depend on your ZIP, coverage and profile; the Pennsylvania statewide average is about $1,155/yr (NAIC, 2023). Compare free car insurance quotes from licensed partners.

Which ZIP codes are covered in Philadelphia?

We list Philadelphia ZIP-level pages below; each shows local car insurance details and free quotes.