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.
Find Cheaper Auto Insurance for Teens
|Rank||Company||Cost Per Year|
|18||Mutual Benefit Group||$1,439|
|Get Personalized Rates Go|
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.
|10||Municipality of Monr||$1,091|
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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.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$4,532|
|Honda CR-V EX-L 2WD||$4,573|
|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.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
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.
- Ensure your driving record is clean
- Avoid accidents and claims
- Higher physical damage deductibles lower rates
- Good credit scores may make rates cheaper
- The safer your car, the less it costs to insure
- Full coverage is expensive so only insure older vehicles for liability only
- Shop around for cheaper rates regularly
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 403 – Pittsburgh, PA 15221 – (412) 351-3305
Murray Insurance Agency
1565 McFarland Rd – Pittsburgh, PA 15216 – (412) 561-1600
Kelly Insurance Group
700 River Ave # 433 – Pittsburgh, PA 15212 – (412) 325-1650
Steve Long – State Farm Insurance Agent
2830 W Liberty Ave – Pittsburgh, PA 15216 – (412) 531-5600