The words “cheap” and “insurance” really don’t belong together, in particular when you are searching for the cheapest car insurance for drivers with accidents. Because of the high cost, let’s start the ball rolling by going over some things that can significantly affect insurance prices, and find out if we can help you reduce the price of the next policy you buy.
For drivers with at-fault accidents, one of the more important considerations that determine insurance cost is your address in Pittsburgh. Areas with more people or higher crime rates tend to have higher rates, whereas more rural areas benefit from having to pay less for coverage.
The information below lists the most expensive places in Pennsylvania for drivers with accidents in which to purchase auto insurance. Pittsburgh is ranked at #14 with an annual premium of $1,053 for the average insurance policy, which is around $88 each month.
|12||Municipality of Monr||$1,059|
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Annual rates are estimated as the specific Pittsburgh residence address can raise or lower coverage prices significantly.
The vehicle model you are trying to insure is a large factor when comparing quotes for the lowest-priced insurance for drivers with accidents. Vehicles with high performance, poor safety features, or a high likelihood of having liability claims will cost significantly more to insure than more economical and safe models. The data below presents insurance prices for some of the most budget-friendly vehicles to buy coverage for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$2,543|
|Ford Escape XLS 2WD||$2,697|
|Hyundai Elantra SE Touring Station Wagon||$2,730|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$2,827|
|Toyota Tacoma 4WD||$3,041|
|Chevrolet Equinox LS 2WD||$3,151|
|Toyota RAV4 Sport 4WD||$3,159|
|Toyota Camry SE||$3,172|
|Honda Odyssey EX-L W/Navigation||$3,178|
|Toyota Corolla XLE||$3,172|
|Chevrolet Malibu LT||$3,188|
|Dodge Grand Caravan Crew||$3,195|
|Ford Explorer Limited AWD||$3,188|
|Chevrolet Impala LT||$3,197|
|Jeep Grand Cherokee Laredo 2WD||$3,205|
|Volkswagen Jetta LE 4-Dr Sedan||$3,197|
|Nissan Altima 3.5 SR 4-Dr Sedan||$3,204|
|Ford F-150 Lariat Crew Cab Platinum 2WD||$3,214|
|GMC Sierra 3500HD SLE Regular Cab 2WD||$3,237|
|Ford Edge Sport 2WD||$3,318|
|Honda Civic GX 4-Dr Sedan||$3,330|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$3,356|
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Premium data assumes single male driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific garaging location which can revise coverage prices greatly.
Based upon these rates, you can presume that vehicles like the Honda CR-V, Ford Escape, Hyundai Elantra, and Jeep Wrangler are likely to be a few of the less-costly vehicles to insure for drivers with at-fault accidents. The price of auto insurance will trend higher because of the fact that there is more liability exposure for drivers with accidents, but in general those models will have the lowest prices compared to other types of vehicles.
Figuring out which company quotes the best car insurance rates for drivers with accidents may require a little more work than just getting one or two price quotes. Every car insurance company uses their own formula for setting rates, so let’s examine the car insurance companies with the most affordable rates in Pennsylvania.
It’s a good idea to be aware that Pittsburgh car insurance rates are determined by lots of factors that control the price you pay for coverage. Turning one year older, increasing deductibles, or having an at-fault accident may prompt premium changes resulting in some companies being cheaper than competitors.
Compare Cheap Insurance Quotes for Accident Prone Drivers
|Rank||Company||Cost Per Year|
|18||Mutual Benefit Group||$1,454|
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General Casualty quotes some of the lowest car insurance rates in Pittsburgh at around $718 each year. Erie, USAA, Travelers, and Penn National are also some of the best Pittsburgh, PA insurance companies.
As shown above, if you are a customer of Penn National and switched to Erie, you might achieve annual savings of about $16. Customers with Auto-Owners may save as much as $203 a year, and Amica policyholders might cut rates by $212 a year.
Remember that these premiums are averaged across all drivers and vehicles in Pennsylvania and and are not figured with a specific zip code for drivers with accidents. So the insurer that has the lowest price for you may not even be in the top 30 companies shown above. That is why you need to get rate quotes using your own individual information.
Ending up with the right car insurance provider can be difficult considering how many choices you have in Pittsburgh. The ranking information in the lists below could help you decide which auto insurance companies to look at buying from.
These ratings are for the largest companies in America, so smaller companies are not taken into consideration for this list. If you wish to compare rates from these and other top-rated companies, simply click here.
Top 10 Major Auto Insurance Companies Overall in Pittsburgh
- The General
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
Poor driving habits will raise your car insurance rates
The ideal way to earn the cheapest car insurance premiums in Pittsburgh for drivers with at-fault accidents is to drive attentively and maintain a clean driving record. The example below shows how violations and at-fault claims influence car insurance costs for different age groups. The rates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
In the prior example, the average cost of a car insurance policy in Pennsylvania per year with no accidents or violations is $1,844. Receive one speeding ticket and the average cost surges to $2,083, an increase of $239 each year. Now get one accident along with the one speeding ticket and the yearly cost of car insurance for drivers with accidents jumps again to an average of $2,746. That’s an increase of $902, or $75 per month, just for not being more responsible behind the wheel!
Full coverage rates compared to liability only
Buying cheaper car insurance is important to the majority of vehicle owners, and one good way to lower the cost of insurance for drivers with accidents is to only buy liability coverage. The diagram below visualizes the comparison of auto insurance rates when comparing full coverage to liability only. The data assumes no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are factored in.
As an average for all age groups, physical damage insurance costs an extra $2,104 per year over and above liability only. That raises the question if physical damage coverage is worth the money. There is no clear-cut formula of when to eliminate physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
The agencies below can probably provide answers to your questions and help you determine which insurance coverage you need, since many people would rather have a little guidance when buying car insurance for drivers with at-fault accidents. It can be hard to find the best rates on your own, so a professional agent can add satisfaction knowing your coverage gives you suitable coverage if you ever need to use it.
To find a Pittsburgh insurance agency close to where you live, click the button at the bottom.
Darla Zeli – State Farm Insurance Agent
2513 E Carson St – Pittsburgh, PA 15203 – (412) 431-7166
Brown Insurance Agency
5001 Baum Blvd #515 – Pittsburgh, PA 15213 – (412) 681-7114
McIlrath Insurance Agency
4601 Clairton Blvd – Pittsburgh, PA 15236 – (412) 882-9000
Dowd Insurance Agency Inc
998, Greensburg Pike – East Pittsburgh, PA 15112 – (412) 271-5477
Joy Capozzi – State Farm Insurance Agent
3111 Banksville Rd #207 – Pittsburgh, PA 15216 – (412) 344-3014
How to find cheaper auto insurance for drivers with accidents
The list below summarizes some of the recommended thrifty ideas that can help Pennsylvania drivers quote lower-cost car insurance.
- Good credit can save money
- At-fault accidents can raise rates significantly
- Vehicles with safetly features generally cost less to insure
- Home or renters coverage can save on auto insurance
- Do not waste money insuring older vehicles for full coverage
- Compare rates and switch if you can find a better deal
The last tip in the list is particularly necessary, as was pointed out in this piece. Prices in Pittsburgh can change considerably based on profitability, so don’t be tentative to buy from a new company if you find a cheaper price.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if your bullheadedness ends up costing you thousands of dollars over several years. Spend a few minutes and compare rates to find cheaper insurance for drivers with accidents.