What Auto Insurance is Cheapest for Low Income Drivers in Pittsburgh?

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.

How much is car insurance in Pittsburgh?
Rank City Premium Per Year
1 Philadelphia $1,977
2 Drexel Hill $1,549
3 Chester $1,435
4 Levittown $1,365
5 Norristown $1,320
6 Allentown $1,141
7 Easton $1,102
8 Reading $1,099
9 Bethlehem $1,087
10 Scranton $1,081
11 Wilkes-Barre $1,079
12 Hazleton $1,078
13 Erie $1,071
14 Pittsburgh $1,063
15 Municipality of Monr $1,059
16 Plum $1,047
17 New Castle $1,046
18 Altoona $1,012
19 Lancaster $1,005
20 Harrisburg $995
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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.

Cheapest Vehicles to Insure in Pittsburgh, PA
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
Toyota Prius $1,361
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

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Rankings for the cheapest Pennsylvania auto insurance companies
Rank Company Cost Per Year
1 General Casualty $748
2 USAA $793
3 Travelers $803
4 Penn National $808
5 Erie $816
6 Auto-Owners $963
7 Atlantic States $1,005
8 Amica $1,012
9 Donegal Mutual $1,091
10 Allied $1,144
11 GEICO $1,145
12 State Farm $1,174
13 California Casualty $1,222
14 State Auto $1,241
15 Encompass $1,357
16 Harleysville $1,452
17 Mutual Benefit Group $1,454
18 Progressive $1,472
19 Nationwide $1,491
20 Chubb $1,536
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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.

Pittsburgh, PA Auto 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
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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.

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 WayPittsburgh, PA 15227(412) 927-2400

McIlrath Insurance Agency
4601 Clairton BlvdPittsburgh, PA 15236(412) 882-9000

Masters Insurance Services
1719 Ardmore BlvdPittsburgh, PA 15221(412) 351-2448

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