
Philadelphia is an excellent place to live, work and play. However, it can be difficult to navigate the city without proper auto insurance. In a city with a high level of crime, drivers must ensure that they are properly covered in case of an incident. There are several ways to reduce your car insurance in Philadelphia.
Cheap Philadelphia Car insurance
Auto insurance premiums are usually the lowest when drivers have no traffic violations or tickets in their records. Insurers will look at a number of factors when setting your premiums, including your credit score and your driving history.
How much you pay for rent in Philly depends on where you live
If you live near a crime-ridden area, your insurance rates could rise. Drivers living in areas with high numbers of uninsured or dangerous drivers will also see an increase in their rates.
Shop around and compare quotes to find the best Philadelphia auto insurance. To begin your search, you can use our FREE quote tool.

Philadelphia: How to keep your credit score high
A good credit score is one of the most important things you can do to lower your car insurance costs. In fact, drivers who raise their credit score from the "Very Poor" tier to the "Exceptional" tier earn a 61% decrease in annual rates!
It's not uncommon for drivers who have poor credit scores to pay more than those with good credit. You can lower your insurance costs in Philadelphia by improving your credit score with some careful planning.
Minimum coverage for Cheap Philadelphia Car Insurance
Pennsylvania law requires that all drivers carry a minimum amount of insurance. The state requires that all drivers carry at least the minimum amount of auto insurance. This covers liability and medical expenses.
You can add additional coverage to your policy, like comprehensive or collision insurance. Full coverage policies are more expensive than basic coverage, but they can be worth it if you're prone to accidents and need extensive coverage for your valuables in your car.
Erie provides the cheapest Philadelphia automobile insurance. It offers both the minimum coverage policy and the full coverage policy at the lowest rate in the entire city. The average monthly price for minimum-coverage is $183 while the full-coverage prices are $277.

The Most Expensive DUI Charges in Philadelphia
Drivers with a DUI on their records will typically pay the most for Philadelphia car insurance. This is because a DUI is a serious offense and can be a sign that you are more of a risk on the road.
DUI offenders are also considered more risky drivers and may be required to seek affordable coverage with a high-risk insurance company. Many Philadelphia auto insurance providers offer accident forgiveness programs to ease the impact of DUI convictions.