Wouldn’t life be so easy if we knew that one perfect company that has the lowest car insurance rates for 16 year olds? That is not the case, however, as there are a whole bunch of unknown factors such as if you are a homeowner, how experienced of a driver you are, and if you have maintained coverage continuously, that all help calculate your car insurance rates. Car insurance is kind of a dry topic, but this article will explain these things and educate you enough to have a good start in finding the cheapest insurance in Pennsylvania.
The car, truck, or SUV to be insured is probably the largest consideration when comparison shopping for economical auto insurance for 16 year olds. Vehicles with reasonable performance levels, good crash test ratings, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models.
The next table outlines insurance premiums for a selection of the most affordable automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$5,109|
|Honda CR-V LX 2WD||$5,118|
|Hyundai Elantra SE Touring Station Wagon||$5,475|
|Ford Edge SE 2WD||$5,700|
|Dodge Grand Caravan SE||$5,751|
|Chevrolet Impala LS||$6,015|
|Toyota Tacoma 2WD||$6,022|
|Jeep Grand Cherokee Laredo 2WD||$6,066|
|Toyota Camry LE||$6,076|
|Chevrolet Equinox LT 2WD||$6,066|
|Toyota RAV4 2WD||$6,076|
|Ford Explorer Eddie Bauer AWD||$6,114|
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Prices above based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in specific garaging location which can influence premiums noticeably.
Looking at the rates, we can conclude that vehicles like the Ford Escape, Honda CR-V, Hyundai Elantra, Toyota Prius, and Ford Edge are going to be some of the cheaper vehicles to insure for new drivers. Prices will be more costly because there is more liability risk for 16 year olds, but generally speaking those makes and models will have the lowest insurance prices available.
For new drivers, one of the big factors that determine the amount you pay each year for auto insurance is where you call home. Areas with more people or more claims tend to pay more, whereas more rural areas benefit from lower prices.
The table below rates the most expensive places in Pennsylvania for 16 year olds to buy auto insurance in. Pittsburgh is ranked at #13 with a yearly cost of $1,063 for the average insured, which is approximately $89 each month.
|17||Municipality of Monr||$1,049|
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Information shown are comparative as the specific area where the vehicle is garaged can increase or decrease prices substantially.
Finding reliable, cheap insurance is tough enough, and figuring out which company offers the most affordable auto insurance rates for 16 year olds takes more quotes for comparison. Each auto insurance company uses a different method to set policy rates, so we need to take a look at the overall cheapest auto insurance companies in Pittsburgh.
Lowest Insurance Price Quotes for Teens
|Rank||Company||Cost Per Year|
|16||Mutual Benefit Group||$1,439|
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General Casualty normally has some of the most affordable car insurance rates in Pittsburgh at around $726 per year. This is $931 less than the average policy premium paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National also qualify as some of the cheapest Pittsburgh, PA car insurance companies.
As illustrated above, if you are a policyholder with Erie and switched to Travelers, you may see annual savings of in the vicinity of $29. Pennsylvania drivers with Penn National may save as much as $53 a year, and Auto-Owners customers might see rate reductions of $186 a year.
To compare your rates to other Pennsylvania insurance companies, click here to start a quote or visit any of the low-priced companies below.
Remember that these prices are averaged across all types of drivers and the different vehicles they drive and and are not calculated with an exact vehicle garaging location for 16 year olds. So the insurer that is best for you may not even be in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
Responsible drivers pay cheaper Pittsburgh auto insurance rates
The common sense way to obtain affordable auto insurance prices in Pennsylvania for new drivers is to be a safe driver and avoid at-fault accidents and violations. The illustration below shows how violations and at-fault claims can influence car insurance rates for each age group. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of a car insurance policy in Pennsylvania per year with a clean driving record and no accidents is $2,528. Add in one speeding ticket and the average cost swells to $2,848, an increase of $320 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of auto insurance for 16 year olds goes up to an average of $3,763. That’s an increase of $1,235, or $103 per month, just for being a little careless behind the wheel!
Discount Pittsburgh car insurance
Auto insurance companies that offer coverage for 16 year olds may also offer special discounts that can reduce rates by as much as 25% or more if you are eligible. A few of the larger companies and a summarized list of policyholder discounts can be found below.
- GEICO policyholders can earn discounts including multi-vehicle, federal employee, military active duty, driver training, seat belt use, and air bags.
- MetLife offers discounts for defensive driver, good student, claim-free, good driver, and accident-free.
- State Farm has discounts for safe vehicle, multiple policy, Steer Clear safe driver discount, driver’s education, and student away at school.
- Progressive offers premium reductions for online signing, multi-vehicle, multi-policy, homeowner, continuous coverage, and online quote discount.
- Mercury Insurance includes discounts for type of vehicle, age of vehicle, ease of repair, multi-car, annual mileage, and location of vehicle.
- 21st Century has savings for early bird, teen driver, student driver, automatic seat belts, and air bags.
- Allstate may include discounts for FullPay discount, premier discount, early signing, defensive driver, and farm vehicle.
The diagram below compares insurance prices with and without some available policy discounts. The rate quotes are based on a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with passive restraint, vehicle safety, paid-in-full, continuous coverage, paperless filing, and anti-theft discounts applied. In this example, theaverage amount saved on auto insurance for 16 year olds is 28% or $531.
Don’t make the mistake of not shopping around
Pittsburgh auto insurance rates are influenced by many factors that control the cost of a policy. Turning one year older, having a claim, or getting a DUI can cause premium changes resulting in some companies being cheaper than before. Not only may your risk profile change, but insurers change rates every year as an adjustment for underwriting gains or losses. A period of increased losses can cause more expensive premiums, while better underwriting can cause cheaper Pittsburgh car insurance rates.
To illustrate this point, the data below analyzes the cheapest car insurance in Pittsburgh, PA for a 30-year-old male driver with no prior claims, no tickets, and good credit. Based on his personal risk profile, General Casualty might offer the best car insurance rates in Pittsburgh at $879 per year. This is $778 less than the average rate paid by Pennsylvania drivers of $1,657. Travelers, Erie, USAA, and Penn National are the rest of the most affordable Pittsburgh, PA auto insurance companies.
In this example, we will give the driver from the first example a claim surcharge, slightly worse credit, and a stop sign violation. Due to the fact that each insurance company has their own process for determining prices, comparing quotes most likely will result in a different ranking of affordable companies as shown below.
Auto-Owners now has the best price on car insurance in Pittsburgh, PA with Atlantic States, Travelers, Erie, and Donegal Mutual also being competitive. This example demonstrates why it is critical to shop around with many companies when trying to get the lowest auto insurance rates for 16 year olds. Car insurance prices are impacted by many factors and can decrease or increase without notice, so the most affordable company the last time you compared rates may now be quite expensive.
If you aren’t sure which coverage to buy and prefer to get some guidance when shopping for the best coverage for 16 year olds, the agents listed below can most likely answer your questions and help you decide which coverages and limits you need. To locate an agency by location nearest to you, click the button link following the list or click here to get price quotes now.
Carolyn Dorsey – State Farm Insurance Agent
5901 Baum Blvd – Pittsburgh, PA 15206 – (412) 361-8000
Chad Gregorini – State Farm Insurance Agent
7 Brilliant Ave – Pittsburgh, PA 15215 – (412) 784-8855
A For the People Insurance Agency, Inc.
2514 Wylie Ave – Pittsburgh, PA 15219 – (412) 621-5581
Eric Morris – State Farm Insurance Agent
2015 Babcock Blvd – Pittsburgh, PA 15209 – (412) 821-0225
Allstate Insurance: Thomas Bianco
1154 Freeport Rd – Pittsburgh, PA 15238 – (412) 967-7655