You have probably seen the captivating ads from companies like The General and State Farm that make promises of huge savings, so you should just pick the company with the cutest commercial, right?
It’s just not that simple, as there are a whole bunch of unknown factors like if you are a homeowner, whether you just want liability only, any driving violations you may have, and your marital status. This article covers the best ways to maintain low rates and will hopefully give you a good start to your coverage search.
Buying cost effective car insurance is not the easiest thing to accomplish, and figuring out which companies have the cheapest insurance rates for hybrid vehicles calls for additional perseverance. Each company uses their own formula to set premium rates, so we’ll take a look at the most budget-friendly insurance companies in Pittsburgh.
Lowest Insurance Price Quotes for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $726 |
| 2 | Erie | $792 |
| 3 | USAA | $793 |
| 4 | Travelers | $803 |
| 5 | Penn National | $808 |
| 6 | Auto-Owners | $963 |
| 7 | Amica | $1,012 |
| 8 | Atlantic States | $1,016 |
| 9 | Donegal Mutual | $1,058 |
| 10 | GEICO | $1,145 |
| 11 | State Farm | $1,174 |
| 12 | California Casualty | $1,186 |
| 13 | Allied | $1,190 |
| 14 | State Auto | $1,267 |
| 15 | Encompass | $1,385 |
| 16 | Mutual Benefit Group | $1,397 |
| 17 | Harleysville | $1,438 |
| 18 | Nationwide | $1,447 |
| 19 | Progressive | $1,472 |
| 20 | Chubb | $1,583 |
| View More Rates Go | ||
General Casualty has some of the most affordable car insurance rates in Pittsburgh at around $726 per year. Erie, USAA, Travelers, and Penn National would also make the list of some of the cheaper Pittsburgh, PA auto insurance companies.
In the rate table above, if you are insured with USAA and switched to General Casualty, you might realize savings of about $67. Policyholders with Travelers might save as much as $77 a year, and Penn National customers might cut rates by $82 a year.
These rates are averages across all insureds and vehicles and do not take into consideration a specific vehicle garaging location for hybrid vehicles. So the insurer that fits you best may not even be in the top 30 companies in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own individual information.
One of the many components that determine the cost of insurance is where you live in Pittsburgh. Areas with more people or more claims will most likely have higher rates, whereas areas that tend to be more rural benefit from lower coverage costs.
The following table rates the priciest cities in Pennsylvania for hybrid vehicles in which to purchase auto insurance. Pittsburgh makes the list at #8 with an annual cost of $1,095 for the average insured, which is approximately $91 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $1,977 |
| 2 | Drexel Hill | $1,504 |
| 3 | Chester | $1,435 |
| 4 | Levittown | $1,365 |
| 5 | Norristown | $1,268 |
| 6 | Erie | $1,115 |
| 7 | Allentown | $1,108 |
| 8 | Pittsburgh | $1,095 |
| 9 | Plum | $1,089 |
| 10 | Hazleton | $1,088 |
| 11 | Reading | $1,077 |
| 12 | Scranton | $1,071 |
| 13 | Municipality of Monr | $1,059 |
| 14 | Easton | $1,058 |
| 15 | Wilkes-Barre | $1,057 |
| 16 | Bethlehem | $1,055 |
| 17 | New Castle | $1,015 |
| 18 | Altoona | $1,012 |
| 19 | Bethel Park | $1,009 |
| 20 | Williamsport | $996 |
| 21 | Harrisburg | $995 |
| 22 | Lancaster | $995 |
| 23 | Lebanon | $960 |
| 24 | York | $944 |
| 25 | State College | $869 |
| Quote Best Rates Go | ||
Information shown are approximated as the specific Pittsburgh residence address can modify rates considerably.
How careless driving impacts Pittsburgh insurance rates
A great way to get the best insurance prices for hybrids is to be a safe driver and not get tickets or have accidents. The chart below shows how speeding tickets and at-fault accidents can drive up premium costs for each different age group. The premiums are based on a single male driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of auto insurance per year with a clean driving record and no accidents is $2,528. Get one speeding ticket and the average cost swells to $2,848, an increase of $320 each year. Then add in two accidents along with the one speeding ticket and the annual cost of insurance for hybrid vehicles increases to an average of $5,553. That’s an increase of $3,026, or $252 per month, just for being a careless driver!
Choosing a good quality company can be challenging considering how many different insurance companies sell coverage in Pittsburgh. The rank data in the lists below could help you pick which companies to look at when comparing insurance rates for hybrid vehicles.
These ratings are only made up of the largest auto insurers in America, so smaller companies that only insure vehicles in Pennsylvania are not taken into consideration for this list. To get price quotes from these and other top-rated companies, follow this link.
Top 10 Large Auto Insurance Providers in Pittsburgh Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- State Farm
- GEICO
- Titan Insurance
- Nationwide
- Allstate
- The General
- 21st Century
Here’s why price comparisons are so important
Pittsburgh insurance rates are based on many factors which can substantially decrease or increase the cost of coverage. Simply having a birthday, adding a teenager to your policy, or getting a driving violation can cause premium changes resulting in some rates now being cheaper than before.
Not only that, but insurers change premium rates every year or even multiple times each year in order to offset underwriting gains or losses. Heavy losses can cause additional price hikes, while less frequent claims can produce lower-cost Pittsburgh car insurance rates.
To illustrate this example, the chart below shows the companies that have the cheapest car insurance in Pittsburgh, PA for a 40-year-old female driver with no violations or accidents, and solid credit. When comparing rates based on her current risk factors, General Casualty has the best car insurance rates in Pittsburgh at $878 a year. This is $779 less than the average rate paid by Pennsylvania drivers of $1,657. Erie, Travelers, USAA, and Penn National are also on the list of the most affordable Pittsburgh, PA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example a chargeable accident, poor credit, and a few blemishes on her driving record. Since every insurance provider has a different process to determine rates, comparing quotes most likely will result in a slightly different list of companies as shown below.
Auto-Owners now has the lowest car insurance rate in Pittsburgh with Atlantic States, Erie, Donegal Mutual, and USAA also having competitive pricing. This shows why drivers need to compare rates to find the best insurance rates for hybrid vehicles.
Insurance prices are impacted by many different factors and change dramatically, so the best option when you last compared rates may now be costing you a lot of money.
How to find cheaper car insurance for hybrid vehicles
The list below summarizes some of the recommended penny-pinching suggestions that can help Pennsylvania drivers quote cheap coverage.
- Safe vehicles cost less to insure
- Do not get traffic citations
- Avoid accidents and claims
- Higher credit ratings may save you money
- Try paying for small claims out-of-pocket
- Shop your coverage around for the best deal
The last tip is especially crucial, as was emphasized in the article above. Insurance rates go up and down frequently, so drivers shouldn’t be resistant to buy from a different company if you find a cheaper price. Having a favorite company is fine, but it’s not a great idea if that dedication is costing lots of money. In less than five minutes you could compare rates to find cheaper car insurance for hybrid vehicles in Pittsburgh.