What Car Insurance is Cheapest for High Risk Drivers in Pittsburgh?

The vehicle model on the policy is a large factor when quoting economical insurance for high risk drivers. Vehicles with economical engines, modern passenger safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models.

The data below showcases coverage costs for the most affordable vehicles to insure in Pennsylvania.

Cheapest Vehicles to Insure in Pittsburgh, PA
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $4,501
Honda Accord EX-L 4-Dr Sedan $4,743
Toyota Prius $4,793
Ford Escape Limited 4WD $4,894
Hyundai Elantra SE Touring Station Wagon $4,937
Jeep Wrangler Sport Islander Package 4WD 2-Dr $5,191
Toyota RAV4 Limited 4WD $5,275
Chevrolet Malibu LS $5,285
Chevrolet Equinox LT AWD $5,275
Ford Explorer Limited AWD $5,325
Toyota Tacoma 2WD $5,428
Ford Edge SE AWD $5,437
Volkswagen Jetta LE 4-Dr Sedan $5,489
Jeep Grand Cherokee Laredo 2WD $5,496
Dodge Grand Caravan Crew $5,491
Toyota Camry XLE $5,514
Honda Odyssey EX-L W/Rear Entertainment $5,521
Chevrolet Silverado LTZ Extended Cab 4WD $5,564
Honda Civic Hybrid 4-Dr Sedan $5,573
Ford F-150 Lariat King Ranch 4WD $5,615
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Price data assumes single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle location which can alter rates noticeably.

Looking at the data, we can tell that cars like the Honda CR-V, Honda Accord, Toyota Prius, and Ford Escape are most likely to be some of the most affordable vehicles to insure for high risk drivers. The price for car insurance will be higher anyway because there is a higher risk for high risk drivers, but overall those models will most likely have the best rates possible.

Shopping around for reasonably-priced car insurance is not the easiest thing to do, and figuring out which company has the most affordable auto insurance rates for high risk drivers will involve even more shopping around. Each auto insurer has a proprietary formula for determining rates, so let’s take a look at the auto insurance companies with the most affordable rates in Pittsburgh, PA.

It’s important that readers know that Pennsylvania auto insurance rates are influenced by many factors that can increase the cost of your policy. Price variation is why Pittsburgh drivers need to perform an extensive rate comparison to get the cheapest insurance quotes for high risk drivers. Auto insurance prices can be determined by many things and change substantially, so the most economical company the last time you shopped around may now be quite expensive.

Best Insurance Companies for Risky Drivers

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Cheapest Pennsylvania car insurance ranked by price
Rank Company Cost Per Year
1 General Casualty $718
2 USAA $785
3 Erie $800
4 Travelers $803
5 Penn National $808
6 Auto-Owners $973
7 Amica $992
8 Atlantic States $1,005
9 Donegal Mutual $1,058
10 GEICO $1,111
11 Allied $1,155
12 State Farm $1,162
13 State Auto $1,229
14 California Casualty $1,234
15 Harleysville $1,396
16 Mutual Benefit Group $1,397
17 Encompass $1,398
18 Progressive $1,457
19 Nationwide $1,477
20 Chubb $1,536
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General Casualty has some of the lowest car insurance rates in Pittsburgh at around $718 a year. This is $939 less than the average rate paid by Pennsylvania drivers of $1,657. USAA, Erie, Travelers, and Penn National also make the cut as some of the cheaper Pittsburgh, PA auto insurance companies.

In the above example, if you buy coverage from USAA and switched to General Casualty, you could see a yearly savings of upwards of $67. Drivers with Erie might save as much as $82 a year, and Travelers customers might cut rates by $85 a year.

Remember that these rates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific zip code for high risk drivers. So the insurer that is most affordable for your situation may not even be in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

For high risk drivers, one of the largest factors that are used to help calculate auto insurance rates is where you keep your vehicle in Pittsburgh. Areas with increased crime or more people will most likely have higher rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.

The next table ranks the most expensive areas in Pennsylvania for high risk drivers to buy auto insurance in. Pittsburgh makes the list at #10 with a yearly cost of $1,085 for the average policyholder, which is around $90 each month.

Car insurance prices in Pittsburgh
Rank City Premium Per Year
1 Philadelphia $1,977
2 Drexel Hill $1,534
3 Chester $1,435
4 Levittown $1,379
5 Norristown $1,320
6 Allentown $1,097
7 Easton $1,091
8 Municipality of Monr $1,091
9 Wilkes-Barre $1,089
10 Pittsburgh $1,085
11 Erie $1,082
12 Plum $1,079
13 Reading $1,077
14 Scranton $1,071
15 New Castle $1,057
16 Hazleton $1,056
17 Bethlehem $1,055
18 Altoona $1,042
19 Bethel Park $1,009
20 Harrisburg $985
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Rate information is estimated as the specific area where the vehicle is garaged can increase or decrease insurance rates greatly.

Selecting the right insurance company can be difficult considering how many companies provide coverage in Pennsylvania. The information shown below could help you analyze which car insurance providers you want to consider purchasing a policy from. These ratings only include insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not included in the list.

Best 15 Auto Insurance Companies for High Risk Drivers in Pittsburgh
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
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
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Data Source: Insure.com Best Car Insurance Companies

Should you buy full coverage?

Saving on auto insurance is probably important to most drivers, and one of the best ways to save on the cost of insurance for high risk drivers is to not insure for full coverage. The chart below shows the comparison of auto insurance rates with full coverage and liability only. The rates are based on a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

If the expense is averaged for all age categories, physical damage insurance costs $1,869 per year over liability only. That raises the question when is the right time to remove full coverage. There is no definitive formula that is best for determining when to drop full coverage, but there is a general school of thought. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

Tickets and at-fault accidents raise rates

The easiest way to find cheap auto insurance prices in Pennsylvania for high risk drivers is to drive safe and avoid tickets and accidents. The chart below highlights how traffic violations and fender-benders increase auto insurance costs for each different age category. The costs are based on a married male driver, full coverage, $100 deductibles, and no discounts are factored in.

In the prior example, the average cost of car insurance in Pittsburgh per year with a clean driving record and no accidents is $1,800. Add in one speeding ticket and the average cost surges to $2,061, an increase of $261 each year. Now get two accidents along with the one speeding ticket and the yearly cost of auto insurance for high risk drivers increases to an average of $4,203. That’s an increase of $2,403, or $200 per month, just for not keeping your driving record clean!

Here’s why price comparisons are so important

Pittsburgh auto insurance rates are determined by lots of factors that control the policy premium. Turning one year older, buying a different vehicle, or getting a DUI may cause policy rate changes resulting in some companies being much cheaper than others.

And not only may your rating factors change, but companies modify pricing without warning in order to offset underwriting gains or losses. An unexpected high level of claims can cause a rate increase, while less frequent claims may result in cheaper Pittsburgh car insurance rates.

For example, the chart below shows which company has the cheapest car insurance in Pittsburgh, PA for a 35-year-old male driver with no accidents or violations, and a high credit rating. Based on his current risk factors, General Casualty offers the cheapest car insurance rates in Pittsburgh at $914 annually. This is $743 less than the average price paid by Pennsylvania drivers of $1,657. Travelers, Erie, Penn National, and USAA are the remaining best Pittsburgh, PA auto insurance companies.

Let’s now give the driver from above a chargeable accident, slightly worse credit, and a few traffic violations. Since each auto insurer has their own unique process for determining rates in each state, analyzing rates may result in a different ranking of the cheapest companies as shown below.

Atlantic States now has the cheapest rate in Pittsburgh with Amica, Travelers, Donegal Mutual, and USAA also being competitive. This example illustrates why it is critical to spend some time comparing rates to get the most affordable car insurance rates for high risk drivers. Auto insurance prices consist of many things and change frequently, so the cheapest company when you bought your policy may now be one of the higher cost companies.