How Your Driving Record and Credit Score Affect Your Car Insurance Rates
How Your Driving Record and Credit Score Affect Your Car Insurance Rates
Philadelphia Pennsylvania car insurance

There are many factors that determine your car insurance rate, such as your gender, age, and vehicle make and model. Your driving record and credit score will also have an impact on your premiums. Here are the average Philadelphia car insurance rates broken down by these factors. Depending on these factors, your insurance rate could differ significantly.


Insurance rates vary by company and location, and Philadelphia is no exception. In Philadelphia, insurance premiums are higher than the state average. However, there are some ways to reduce your premiums. One way is to keep your driving record clean. If you have traffic violations on your record, your auto insurance rates could increase significantly. Another way is to improve your credit score. Those with excellent credit can cut their car insurance premiums by as much as 61 percent. In Philadelphia, this can mean a $2066 annual savings.

Insurance rates vary by state, city and ZIP code. Some factors impact rates, including your driving record, marital status, credit-based insurance score, number of accidents, type of vehicle, and claims history. For example, a driver with a clean record pays around $109 a month, while a driver with a ticket pays approximately $2,576 a month.

Age is another factor that affects car insurance rates. Younger drivers often pay more because of their lack of driving experience. The Insurance Information Institute offers several tips for lowering your auto insurance rates. Another way to reduce the cost of insurance in Philadelphia is to shop around for multiple policies. Many car insurance companies will offer discounts for multiple policies.

The cost of car insurance in Philadelphia Pennsylvania varies greatly depending on the age of the driver. Younger drivers face higher premiums than older drivers because they are considered a higher risk. A 17-year-old Philadelphia driver, for example, pays almost $11,324 more than a 30-year-old. Young drivers should consider staying on their parents' policy or apply for good student and safe driver discounts to save on insurance premiums.


In Philadelphia, Pennsylvania, the average car insurance policy costs $112 per month for minimum coverage, and $277 per month for full coverage. The cost of Philadelphia car insurance is 35% higher than the state average for minimum coverage and 51% higher than the average for full coverage. Several factors are considered when determining car insurance rates in Philadelphia. If you drive safely, you can cut your monthly premium.

One factor that affects insurance rates is the ZIP code. The higher your ZIP code, the higher your rate will be. A ZIP code with high crime and high rates of uninsured motorists is considered a high risk. Philadelphia insurance rates go up by 50% if you live in ZIP code 19113. However, if you live in a low-crime area, you can still find lower rates.

Another factor that can increase insurance rates in Philadelphia is the city's population density. City residents tend to experience higher property crime, higher accident rates, and more insurance claims. This makes Philadelphia car insurance rates higher than most other cities in Pennsylvania. In addition, drivers who commute long distances or drive frequently through high-risk areas may experience higher premiums. Having good credit will lower your premiums by up to 69%. Also, maintain a minimum coverage amount, as this shows responsibility and will decrease your premiums. Make sure to check the details and policies of each insurance company, as some may have different rates for various types of coverage.

The minimum coverage in Pennsylvania is $15,000 per person. If you're paying less than this, consider getting higher coverage. This will protect you in the event of an accident, but it won't cover damages to other people's cars. Additionally, you may not have enough coverage for accidents if you have a poor driving record. Luckily, there are many ways to improve your driving history and lower your premiums.


In Philadelphia, Pennsylvania, car insurance rates can vary depending on your age and driving history. Generally, older drivers pay less for car insurance because they are seen as more responsible drivers. Philadelphia auto insurance rates also tend to be lower for married drivers. However, you should always check with your insurance company before making a decision about the type of coverage you need.

Minor traffic violations will generally stay on your record for three years, and they will likely increase your rate at renewal time. More serious infractions can affect your rate for much longer. According to the U.S. Census Bureau, the average commute time for people 16 and older in Philadelphia is 32.9 minutes. This includes time spent waiting for public transportation, picking up passengers in carpools, and other activities related to getting to work.

Good credit is another way to lower car insurance costs. People with good credit tend to pay lower premiums than drivers with poor credit. Philadelphia Pennsylvania drivers with excellent credit save around $2,066 annually. A clean driving record can lower insurance costs as well. A speeding ticket, for example, can cost an additional $282 per year.

Philadelphia is also known as the "City of Brotherly Love" for its many cultural, historical, and art-related attractions. However, you should always drive carefully in inclement weather and invest in a good collision coverage policy. Purchasing an insurance policy can be a tedious process, so choosing a comprehensive policy is a smart move.


In most states, the gender of a driver determines the price of auto insurance premiums. This means that men tend to pay higher car insurance rates than women, and they may engage in riskier driving behaviors. However, Pennsylvania bans insurance companies from using gender as a factor when rating a policy.

Pennsylvania is among the few states that don't consider gender when determining rates. Unlike Massachusetts, Michigan, and North Carolina, Pennsylvania does not allow insurance companies to base car insurance premiums on gender. It also does not allow insurance companies to use your marital status, which varies across states.

In Philadelphia, the average annual car insurance premium is $2679. This is higher than the state's average of $1485 and the national average of $1557. The rate you pay will depend on the type of auto insurance policy you have and your driving record. It is also important to shop around and compare insurance rates frequently to get the lowest possible rate.

When shopping for car insurance in Philadelphia, it is important to determine the most appropriate company for your needs. While every company prices various factors differently, if you drive a lot, look for a provider that doesn't penalize you for a higher mileage. You should also avoid insurers that penalize drivers who have less than perfect credit. Once you've found the right auto insurance company, compare it to the average Pennsylvania auto insurance rate.

Driving record

The Pennsylvania Department of Motor Vehicles (DMV) is responsible for maintaining driving records for licensed drivers. If you have questions about your record or want a tangible copy, you can contact them. The information they provide can be very helpful. Getting a copy of your driving record can help you make the right decision when it comes time to purchase car insurance.

Having a clean driving record is a very important factor in getting the lowest auto insurance rate. If you have a traffic violation or accident on your record, your rates will increase. A good credit score is another factor in lowering your premium. Philadelphia drivers with good credit scores can save up to 61 percent compared to those with bad credit.

You can also save money by opting for a usage-based car insurance plan. This type of plan is based on your actual driving habits and will automatically adjust your premium based on these habits. For example, if you drive less than the average Pennsylvania driver, you can save more by switching to a usage-based insurance program. You can also expect higher premiums if you lapse your insurance coverage. Drivers who have a single lapse in coverage for a year or more pay up to 16 percent higher than those with five years of continuous coverage.

Pennsylvania has a good public transportation system. However, the majority of households own only one car, compared to the national average of two cars per household. In 2015, 31% of households in Philadelphia did not own a car. Low car ownership is attributed to the excellent transportation system in the city and the lower annual income of many residents. Regardless of the state you live in, it is important to know how to drive safely and obey the speed limits.

Credit score

It's important to remember that your driving record directly affects the cost of your Philadelphia Pennsylvania car insurance. In other words, if you're convicted of a DUI in Philadelphia, your auto insurance rates will be higher than normal. In fact, a DUI conviction can increase your rates by 40-50%.

You can lower your auto insurance costs in Philadelphia, Pennsylvania by keeping your driving record clean. Traffic violations can increase your insurance costs by as much as $1,890 per year. A good credit score can also help you get the best possible rate. Philadelphia drivers who increase their credit score by 61 percent end up saving around $2066 a year.

Insurance providers also consider your age and gender when determining your rates. If you are female, your car insurance rates will be higher than those of a male. In Philadelphia, the median age is 34.4 years. Hence, it is important to know your age to get the best insurance rates in Philadelphia.

In Philadelphia, 41% of residents live below the poverty line. However, the area is home to twelve community colleges that offer two-year degrees, technical certificates and diplomas. Philadelphia's economy is diversified; its largest industries include retail, education, and healthcare. As the region has a high concentration of cars, you'll need a good car insurance policy to drive safely and avoid accidents.