For poor drivers, one of the more important things that help determine insurance cost is where you live in Pittsburgh. Areas with a lot of weather claims or more people tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The next table shows the highest-priced areas in Pennsylvania for low income drivers to buy auto insurance in. Pittsburgh is listed at #14 with an annual rate of $1,063 for coverage, which is approximately $89 monthly.
|Rank||City||Premium Per Year|
|15||Municipality of Monr||$1,059|
|Find Cheaper Rates Go|
Premium costs are estimated as the specific area where the vehicle is garaged can increase or decrease coverage rates significantly.
The type of vehicle driven is probably the largest consideration when comparing quotes for low-priced car insurance for low income drivers. Vehicles with lots of horsepower, poor passenger safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models. The next table outlines insurance prices for a number of the most budget-friendly automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,229|
|Ford F-150 STX Super Cab 2WD||$1,351|
|Honda CR-V EX 2WD||$1,386|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,438|
|Chevrolet Equinox LT AWD||$1,456|
|Chevrolet Malibu LT||$1,483|
|Ford Escape Limited 4WD||$1,501|
|Ford Explorer Eddie Bauer 2WD||$1,506|
|Ford Focus SEL 4-Dr Sedan||$1,514|
|Toyota Tacoma X-Runner 2WD||$1,533|
|Toyota Corolla XLE||$1,540|
|Hyundai Sonata GLS 4-Dr Sedan||$1,558|
|Ford Edge SEL 2WD||$1,561|
|Nissan Altima Hybrid 4-Dr Sedan||$1,570|
|Ford Fusion SE 4-Dr Sedan||$1,561|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,588|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,598|
|Ford F-350 XL Super Cab Turbo Diesel 2WD||$1,616|
|Toyota RAV4 Limited 4WD||$1,638|
|Chevrolet Impala LT||$1,647|
|Jeep Grand Cherokee Laredo 2WD||$1,638|
|Chevrolet Silverado Crew Cab Hybrid 2WD||$1,641|
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Prices do not factor in your specific Pittsburgh, PA location which can decrease or increase coverage rates substantially.
Looking at the numbers, we can infer that makes and models like the Honda Accord, Ford F-150, Toyota Prius, and Honda CR-V are a few of the more affordable vehicles to insure for poor drivers.
Finding out which insurers offer the lowest-priced auto insurance rates for low income drivers will take a little more effort in order to find the best policy. Each company has their own unique process to determine rates, so we need to take a look at the auto insurance companies with the most affordable rates in Pittsburgh, PA.
Best Cheap Insurance Rates in Pennsylvania
|Rank||Company||Cost Per Year|
|17||Mutual Benefit Group||$1,454|
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General Casualty may have some of the lowest car insurance rates in Pittsburgh at around $748 per year. This is $909 less than the average policy premium paid by Pennsylvania drivers of $1,657. USAA, Travelers, Penn National, and Erie would also be considered some of the cheaper Pittsburgh, PA auto insurance companies.
As depicted above, if you are a customer of Penn National and switched to USAA, you might realize a yearly savings of roughly $15. Policyholders with Erie may save as much as $23 a year, and Auto-Owners customers might lower prices by $170 a year.
To see if your current coverage is too expensive, click here to get a free quote or quote rates from the companies below.
Remember that these policy prices are averages across all drivers and vehicles in Pennsylvania and and are not calculated with a specific location for low income drivers. So the company that fits your needs best may not even be in the top 30 companies shown above. That underscores the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
Choosing a high-quality insurance provider is hard considering how many companies provide coverage in Pittsburgh. The rank data shown next may help you analyze which coverage providers you want to consider when shopping your coverage around.
These rankings are for the largest auto insurers in America, so companies that have a smaller presence are not included in this list. To get rate quotes from many more Pennsylvania auto insurance companies, 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
The information below illustrates how choosing a deductible can impact premium costs when researching cheap insurance for low income drivers. The data is based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.
A 40-year-old driver could pocket $270 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $408 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could lower their rates $888 every year just by choosing higher deductibles.
When choosing a higher deductible, it is necessary to have additional funds squirreled away to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Here’s why you should shop around
Pittsburgh, PA auto insurance rates are calculated based on many things that may substantially change the price you pay for coverage. Getting older, moving to a different location, or getting a ticket for careless driving may prompt premium changes resulting in some rates now being much cheaper than others.
Not only may your situation change, but auto insurance companies change rates at least once a year in order to offset underwriting gains or losses. Higher than normal claim frequency or severity can cause high rates, while less frequent claims may produce lower-priced Pittsburgh car insurance rates.
To illustrate this example, the data below compares the cheapest car insurance in Pittsburgh, PA for a 45-year-old female driver with no violations or accidents, and a good credit history. When quoting prices based on her current risk profile, General Casualty may have the most affordable car insurance rates in Pittsburgh at $897 annually. This is $760 less than the average premium paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National are the rest of the best Pittsburgh, PA auto insurance companies.
Now we will pretend the driver in the first chart a chargeable claim, poor credit, and a few blemishes on her driving record. Because every insurance company has a proprietary method to establish rates, analyzing rates may now present a different ranking of affordable Pittsburgh car insurance companies as shown below.
Amica now has the cheapest car insurance in Pittsburgh with Atlantic States, Donegal Mutual, GEICO, and Travelers completing the list. This demonstrates why Pittsburgh drivers need to shop around with many companies to get the most economical insurance rates for low income drivers. Auto insurance prices consist of many risk factors and can decrease or increase without notice, so the most economical company the last time you shopped around may now be an over-priced policy.
Ideas for buying more affordable car insurance for low income drivers
Here are some of the recommended thrifty solutions that can help Pennsylvania drivers buy low-cost coverage.
- Avoid preventable accidents
- Buy vehicles with good safety ratings
- Do not waste money insuring older vehicles for full coverage
- Bundle home and auto and save
- If possible, do not file small claims
- Save money by observing traffic laws and speed limits
- Shop around once a year for cheaper rates
The last idea is certainly significant, as was affirmed in this piece. Prices charged by companies fluctuate constantly, so drivers shouldn’t be resistant to change to a new company if you find a better deal.
Many consumers stick with the same company and that’s fine, but we do not recommend it if that devotion results in you overpaying money that could be going to better use. In just a few minutes you could compare prices and find cheaper insurance for low income drivers in Pittsburgh.
If you have coverage questions and would like to have a professional recommendation when buying car insurance for low income drivers, the agencies below can help you make a decision which coverage fits your budget.
To locate an agency near you, click the button following the list or click here to compare price quotes now.
Nationwide Insurance: Joshua Michael Dott Agency
513 Towne Square Way – Pittsburgh, PA 15227 – (412) 927-2400
McIlrath Insurance Agency
4601 Clairton Blvd – Pittsburgh, PA 15236 – (412) 882-9000
Masters Insurance Services
1719 Ardmore Blvd – Pittsburgh, PA 15221 – (412) 351-2448