Finding reliable, affordable auto insurance is not always easy, and figuring out which companies offer the cheapest insurance rates in Pittsburgh calls for even more rate comparisons. Each auto insurer uses slightly different criteria for determining prices, so first let’s look at the rankings for the insurance companies with the most affordable rates in Pittsburgh, PA.
It’s important that readers know that Pittsburgh insurance rates are impacted by many things that may substantially change the price of coverage. Simply getting older, buying higher coverage limits, or getting a few speeding tickets may generate price changes that may make certain companies affordable when they were higher priced.
|Rank||Company||Cost Per Year|
|18||Mutual Benefit Group||$1,454|
|Get Personalized Rates Go|
General Casualty has some of the most affordable car insurance rates in Pittsburgh at around $718 a year. This is $939 less than the average price paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National would also be considered some of the best Pittsburgh, PA car insurance companies.
As the example above demonstrates, if you are a policyholder with Travelers and switched to General Casualty, you could see an annual savings of in the neighborhood of $61. Drivers with USAA could save as much as $75 a year, and Erie insureds might reduce rates by $82 a year.
To find the cheapest rates for your vehicle, click here to start your custom quote or click through to the companies below.
It’s important to note that these estimates are averaged for all types of insureds and vehicles and and are not calculated with an exact zip code location in Pittsburgh. So the car insurance company that has the cheapest rates for you may not even be in the top 30 companies shown above. That is why you need to get quotes using your own specific driver and vehicle information.
One of the many components that are used to help calculate insurance cost is where you keep your car. Areas with increased crime or more people tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The illustration below shows the most expensive places in Pennsylvania in which to buy car insurance. Pittsburgh ranks #7 with a yearly cost of $1,085 for the average policyholder, which is approximately $90 per month.
|15||Municipality of Monr||$1,049|
|Quote Best Rates Go|
Information shown are approximated as zip code location can influence coverage prices substantially.
The type of vehicle you are insuring is probably the biggest factor that determines whether or not you find cheap auto insurance in Pittsburgh. Vehicles with high performance engines, a lack of modern safety features, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models. The table below presents insurance prices for a number of the most cost-effective vehicles to insure in Pennsylvania.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 2WD||$1,162|
|Hyundai Elantra SE Touring Station Wagon||$1,232|
|Volkswagen Jetta S 2.5 Station Wagon||$1,238|
|Honda Accord EX 4-Dr Sedan||$1,305|
|Chevrolet Malibu LS||$1,346|
|Toyota RAV4 2WD||$1,352|
|Chevrolet Equinox LT 2WD||$1,346|
|Ford Escape XLS 2WD||$1,397|
|Toyota Camry SE||$1,417|
|Toyota Corolla S||$1,422|
|Dodge Grand Caravan CV||$1,465|
|Honda Civic GX 4-Dr Sedan||$1,487|
|Start a Quote Go|
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Table data does not factor in Pittsburgh, PA location which can change coverage prices significantly.
Looking at the rates, we can tell that makes and models like the Honda CR-V, Hyundai Elantra, Volkswagen Jetta, and Honda Accord will definitely be some of the cheapest vehicles to insure for drivers in Pittsburgh.
The example below illustrates how your choice of deductibles can change insurance premiums when trying to find cheap insurance in Pittsburgh. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
The data above shows that a 30-year-old driver could cut expenses by $342 a year by changing from a $100 deductible to a $500 deductible, or save $516 by selecting a $1,000 deductible. Young drivers, like the 20-year-old example, could save as much as $1,042 each year just by using higher deductibles.
If you do make the decision to raise your deductibles, it’s a good idea to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Impact of citations and accidents on insurance rates
In a perfect world, the best way to snag affordable insurance premiums in Pennsylvania for drivers in Pittsburgh is to drive carefully and avoid accidents and keep your driving record clean. The example below demonstrates how traffic citations and at-fault accidents can raise auto insurance rates for each different age category. The premiums assume a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of an auto insurance policy in Pittsburgh per year with no accidents and a clean driving record is $1,458. Add in two speeding tickets and the average cost hikes up to $2,075, an increase of $617 each year. Then throw in one accident along with the two speeding tickets and the 12-month cost of insurance in Pittsburgh goes up to an average of $2,692. That’s an increase of $1,234, or $103 per month, just for not being a responsible driver!
How to get discounts on Pittsburgh auto insurance rates
Insurance companies that offer cheap quotes in Pittsburgh could also offer discounts that can reduce rates by 35% or more if you meet specific eligibility requirements. The best insurance companies and the discounts they provide are:
- GEICO may include discounts for defensive driver, multi-policy, driver training, seat belt use, and emergency military deployment.
- Travelers offers premium reductions for driver training, multi-car, payment discounts, early quote, home ownership, continuous insurance, and new car.
- Nationwide offers discounts including defensive driving, Farm Bureau membership, easy pay, business or organization, good student, accident-free, and family plan.
- Farmers Insurance may have discounts that include youthful driver, electronic funds transfer, pay in full, homeowner, alternative fuel, mature driver, and multi-car.
- Esurance discounts include safety device, anti-lock brakes, Switch & Save, online shopper, DriveSense, and claim free.
- State Farm may offer discounts for good driver, accident-free, good student, passive restraint, Steer Clear safe driver discount, anti-theft, and defensive driving training.
- Progressive offers discounts for homeowner, multi-vehicle, multi-policy, online quote discount, and continuous coverage.
- Mercury Insurance has savings for low natural disaster claims, ease of repair, type of vehicle, location of vehicle, and annual mileage.
The diagram below compares auto insurance costs with and without some available policy discounts. Data assumes a male driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, multiple vehicle, accident-free, claim-free, multiple policy, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance in Pittsburgh is 28% or $703.
How to find cheaper car insurance in Pittsburgh
Here are some of the recommended penny-pinching ideas that can help Pennsylvania drivers get more affordable coverage.
- Raise your deductibles
- Get cheaper liability coverage by choosing a safer vehicle
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Do not get into accidents
- Better credit rating means better rates
- Look for cheaper rates once a year by shopping around
The final tip is particularly important, as we discussed in this write-up. Rates in Pittsburgh fluctuate considerably, so don’t be afraid to buy from a different company if a cheaper rate is available.
Brand loyalty is great, but it isn’t a good idea if that dedication is costing hundreds every year. Take a couple minutes and shop around and find cheaper auto insurance in Pittsburgh.
The Pittsburgh auto insurance agencies shown below are a good start to help you make a decision which car insurance policy is best, since some drivers wish to have a little guidance when shopping around for cheaper insurance for drivers in Pittsburgh. It can be challenging to find the best policy on your own, so getting advice from a licensed Pennsylvania insurance agent can provide you peace of mind knowing your coverage gives you adequate coverage if you have an accident or claim. To locate a Pittsburgh insurance agent close to you, click the button following the list or click here to compare price quotes now.
MADIA INSURANCE AGENCY INC
9370 McKnight Rd #300A – Pittsburgh, PA 15237 – (412) 367-9200
Adriana Pasquini – State Farm Insurance Agent
735 Copeland St, FL2, Pittsburgh 15232 – FL2, PA 15232 – (412) 904-1268
Chad Gregorini – State Farm Insurance Agent
7 Brilliant Ave – Pittsburgh, PA 15215 – (412) 784-8855
Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700
Wagner Agency, Inc.
5020 Centre Ave – Pittsburgh, PA 15213 – (412) 681-2700