Who Has Affordable Pittsburgh Auto Insurance for Teenage Females?

You have most likely watched the catchy advertisements from insurers like Farmers, Nationwide, and Allstate that say if you switch you’ll get huge savings, so drivers just need to pick the company with the cutest commercial, right?

That is not the case, however, as there are a whole bunch of unknown elements like whether you are female or male, if you have any driving citations, if you are married or single, and how many years you have been driving, that all influence how much you pay for auto insurance. We will try to teach you about the different ways you can keep rates low and will give you a good beginning to your quest for cheaper car insurance in Pittsburgh.

Comparing quotes for cost effective auto insurance is confusing at best, and deciding which companies have the lowest-priced car insurance rates for teenage females will involve even more rate comparisons. Each insurer uses a different method for setting prices, so to begin we’ll rank the car insurance companies that tend to have lower prices in Pittsburgh, PA.

It’s important to know that Pittsburgh, PA car insurance rates are calculated based on many things that will increase or decrease the policy price. Turning one year older, buying a home instead of renting, or getting a reckless driving citation can produce rate changes that can make some companies more affordable than before.

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Cheapest Pennsylvania auto insurance companies
Rank Company Cost Per Year
1 General Casualty $726
2 USAA $785
3 Erie $800
4 Travelers $803
5 Penn National $832
6 Amica $992
7 Auto-Owners $993
8 Atlantic States $1,036
9 Donegal Mutual $1,091
10 GEICO $1,145
11 Allied $1,190
12 State Farm $1,198
13 California Casualty $1,234
14 State Auto $1,279
15 Encompass $1,398
16 Harleysville $1,410
17 Progressive $1,414
18 Mutual Benefit Group $1,439
19 Nationwide $1,477
20 Chubb $1,536
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General Casualty offers some of the cheapest car insurance rates in Pittsburgh at around $726 per year. This is $931 less than the average premium paid by Pennsylvania drivers of $1,657. USAA, Erie, Travelers, and Penn National also make the cut as some of the lowest-priced Pittsburgh, PA auto insurance companies.

As shown in the rates above, if you have coverage with Travelers and switched to USAA, you might achieve a yearly savings of in the neighborhood of $18. Pennsylvania drivers with Penn National may save as much as $47 a year, and Amica insureds might reduce rates by $207 a year.

To find out how much you can save, click here to get a free quote or click several companies below for low rates.

These estimates are averaged across all ages of drivers and types of vehicles and and are not figured with a vehicle location for teenage females. So the auto insurance company that has the cheapest price for you may not even be in the top 30 companies shown above. That is why you need to get car insurance quotes using your own driver and vehicle profiles.

One of the more important things that are looked at to determine car insurance rates is where you call home in Pittsburgh. Cities with larger populations tend to pay slightly more, whereas less populated areas tend to receive slightly lower rates.

The next table lists the highest-priced places in Pennsylvania for teenage females to buy car insurance in. Pittsburgh is ranked #14 costing $1,053 for the average insurance policy, which is about $88 monthly.

How much is auto insurance in Pittsburgh, PA?
Rank City Annual Premium
1 Philadelphia $1,997
2 Drexel Hill $1,489
3 Levittown $1,407
4 Chester $1,379
5 Norristown $1,268
6 Allentown $1,141
7 Erie $1,104
8 Easton $1,102
9 Reading $1,099
10 Municipality of Monr $1,091
11 Plum $1,089
12 Bethlehem $1,087
13 Scranton $1,071
14 Pittsburgh $1,053
15 Wilkes-Barre $1,047
16 Hazleton $1,046
17 New Castle $1,026
18 Harrisburg $1,025
19 Altoona $1,012
20 Bethel Park $989
21 Williamsport $986
22 Lancaster $975
23 Lebanon $950
24 York $944
25 State College $905
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Price information shown is approximated as the garaging address in Pittsburgh can raise or lower insurance rates noticeably.

The vehicle on the policy is probably the most important factor when shopping for cheap insurance for teenage females. Vehicles with limited speed and performance, good crash test ratings, or a low likelihood of liability claims will cost much less to insure than higher performance models. The next table presents car insurance rates for some of the more affordable vehicles to insure.

Cheapest Vehicles to Insure in Pittsburgh, PA
Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $4,532
Honda CR-V EX-L 2WD $4,573
Toyota Prius $4,886
Ford Explorer Eddie Bauer 2WD $5,101
Jeep Wrangler Sahara 4WD 2-Dr $5,109
Dodge Grand Caravan SE $5,101
Chevrolet Impala LS $5,334
Chevrolet Malibu LS $5,375
Toyota RAV4 Sport 4WD $5,382
Chevrolet Equinox LS 2WD $5,375
Ford F-150 XLT Crew Cab 4WD $5,414
Hyundai Elantra Blue 4-Dr Sedan $5,610
Ford Focus SES 4-Dr Sedan $5,615
Honda Civic VP 4-Dr Sedan $5,610
Toyota Corolla LE $5,652
Ford Edge Limited AWD $5,662
Toyota Tacoma X-Runner 2WD $5,652
Honda Odyssey EX-L $5,658
Toyota Camry XLE $5,652
Volkswagen Jetta SEL 4-Dr Sedan $5,690
Jeep Grand Cherokee Limited 2WD $5,699
GMC Sierra 2500HD SLE Crew Cab 4WD $5,690
GMC Sierra SL Crew Cab 2WD $5,697
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Table data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in garaging location in Pittsburgh, PA which can change insurance rates greatly.

Based upon the table data, you can conclude that makes and models like the Ford Escape, Honda CR-V, and Toyota Prius are most likely to be some of the more affordable vehicles to insure for teen girls. Auto insurance rates will be more expensive because of the fact that there is more claim exposure for teenage females, but overall those models will probably have the lowest insurance rates available.

Pennsylvania car insurance companies ranked

Insuring your vehicle with the highest-rated insurer can be a challenge considering how many companies sell coverage in Pittsburgh. The company information displayed below could help you pick which auto insurance companies to look at when comparing rate quotes.

The rankings below are for the largest companies in the United States, so smaller companies that only insure vehicles in Pennsylvania are not included in the list. To view rates from these top-rated insurers and more, just click here.

Pittsburgh, PA Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 79 93 90 87% A+ 88.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

Cost difference between full coverage and liability

Buying cheaper car insurance is important to the majority of people, and one of the easiest ways to find cheaper insurance for teenage females is to not pay for full coverage. The illustration below compares yearly insurance costs with full physical damage coverage compared to only buying liability only. The prices are based on no violations or accidents, $250 deductibles, drivers are not married, and no policy discounts are applied.

As an average, physical damage insurance costs an additional $2,351 per year more than just insuring for liability. At some point, almost every driver questions if you should buy full coverage. There is no exact rule to drop full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after the deductible is paid. If you are paying over $300 a year for physical damage coverage, then you may need to consider dropping full coverage.

How to find economical insurance for teenage females

The list below summarizes some of the recommended thrifty solutions that can help drivers buy cheap coverage.

That last tip is remarkably important, as we pointed out in the prior information. Car insurance rates can be changed at any time, so drivers shouldn’t be resistant to change to a new company if you can save money. Many drivers prefer to stick with one company, but is isn’t recommended if that loyalty results in overpaying major coinage every year. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for teenage females in Pittsburgh.

The Pittsburgh auto insurance agencies shown below are willing to aid you in deciding which insurance coverage you need, since lots of drivers aren’t clear which coverage they need and would like to get some professional advice when trying to find lower insurance rates for teen girls. It can be complicated to find the cheapest rates, so getting professional guidance from a licensed agent can give you peace of mind knowing your coverage gives you sufficient coverage for your assets.

To find a Pittsburgh insurance agency closest to you, click the button after the list or click here to compare prices now.

Danielle Howard – State Farm Insurance Agent
1500 Ardmore Blvd Ste 403Pittsburgh, PA 15221(412) 351-3305

Murray Insurance Agency
1565 McFarland RdPittsburgh, PA 15216(412) 561-1600

Kelly Insurance Group
700 River Ave # 433Pittsburgh, PA 15212(412) 325-1650

Steve Long – State Farm Insurance Agent
2830 W Liberty AvePittsburgh, PA 15216(412) 531-5600

View map of Pittsburgh, PA insurance agents