How much you pay for cheap car insurance in Philadelphia depends on more factors than just your home zip code. Insurance companies determine your rate by calculating how risky it is to insure you as a motorist (ie. the likelihood that you’ll need to file a claim). Here are a few factors that go into their equation:

  • Age – Younger drivers pay more on average.
  • Gender – Women tend to get better rates than men. Credit Score – Yep, bad credit affects your car insurance rates too.
  • Type of vehicle – If you drive a sports car or convertible, you’ll be more expensive to insure than someone who drives a sedan.
  • Driving record – Accidents and speeding tickets will cause your rates to skyrocket.

More information at What Factors Decide My Car Insurance Rate in Philadelphia?

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