Expert Car Insurance Philadelphia PA tend to pay 1.3 times more for auto insurance premium than the rest of the state ( Pennsylvania ). Average car insurance in Philadelphia can cost around $2,093 per year, while average car insurance rate for Pennsylvania is $1,654. In Philadelphia itself, the difference between the cheapest ( ERIE Car Insurance - $1200 ) and the most expensive car insurance company ( SENTRY - 3,163 ) is over $1300 a year. We have compared car insurance quotes from multiple companies in Philadelphia to determine which insurance company offers the cheapest car insurance rates and which has the most expensive quotes. Based on our data General Casualty, Harleysville and Erie car insurance offer the cheapest auto insurance rates in Philadelphia. These three low cost car insurance companies are almost 38% lower than average car insurance rates in Philadelphia.