What Car Insurance is Cheapest for State Employees in Pittsburgh?

One of the many factors that determine the amount you pay each year for auto insurance is where you keep your car in Pittsburgh. More populated areas tend to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.

The table below lists the most costly cities in Pennsylvania for state employees to buy an auto insurance policy in. Pittsburgh comes in at #8 having an annual price of $1,095 for the average insured, which is approximately $91 each month.

How much does car insurance cost in Pittsburgh, PA?
Rank City Average Per Year
1 Philadelphia $1,997
2 Drexel Hill $1,549
3 Chester $1,435
4 Levittown $1,365
5 Norristown $1,281
6 Allentown $1,141
7 Erie $1,115
8 Pittsburgh $1,095
9 Wilkes-Barre $1,089
10 Municipality of Monr $1,081
11 Scranton $1,081
12 Hazleton $1,078
13 Bethlehem $1,077
14 Easton $1,069
15 Reading $1,066
16 Plum $1,057
17 New Castle $1,046
18 Altoona $1,012
19 Lancaster $1,005
20 Harrisburg $995
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Rates are estimated as vehicle location can increase or decrease premium rates greatly.

The type of vehicle requiring insurance is probably the most important factor when comparing quotes for cheaper car insurance for state employees. Vehicles with lower acceleration and performance, excellent safety ratings, or a positive history of liability claims will cost less to insure than fast, unsafe models. The next list features car insurance rates for the most economical vehicles to insure.

Cheapest Vehicles to Insure in Pittsburgh, PA
Make and Model Estimated Cost for Full Coverage
Volkswagen Jetta S 2.5 Station Wagon $1,066
Hyundai Elantra SE Touring Station Wagon $1,072
Toyota Prius $1,091
Honda CR-V LX 4WD $1,100
Honda Accord LX-P 4-Dr Sedan $1,107
Ford Escape XLT 2WD $1,100
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,202
Toyota Corolla S $1,224
Toyota Tacoma X-Runner 2WD $1,234
Toyota Camry SE $1,224
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,248
Chevrolet Equinox LTZ 2WD $1,255
Ford F-150 Lariat King Ranch 2WD $1,248
Ford Fusion Sport 4-Dr Sedan $1,258
Chevrolet Malibu Hybrid $1,270
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in zip code location which can decrease or increase coverage prices substantially.

Based on these rates, we can assume that makes and models like the Volkswagen Jetta, Hyundai Elantra, Toyota Prius, Honda CR-V, and Honda Accord are a few of the less-costly vehicles to insure for state workers.

Ratings for Pittsburgh insurance companies

Buying coverage from the highest-rated insurance company is difficult considering how many choices there are in Pennsylvania. The ranking information listed below could help you select which auto insurance companies to look at shopping prices with.

These ratings are for the largest companies in America, so smaller companies that only insure vehicles in Pennsylvania are not included in the list. To compare price quotes from these and other competitive companies, just click here.

Best 15 Insurance Companies for State Employees in Pennsylvania
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

The information below shows how different deductible levels can impact insurance costs when searching for cheap insurance for state employees. The information is based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

The data above shows that a 40-year-old driver could reduce rates by $308 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $466 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, could shave as much as $1,042 or even more by using a higher deductible. If you make the decision to raise deductibles, it is essential to have plenty of money set aside to be able to cover the extra out-of-pocket expense that comes with higher deductibles.

Insurance rates are higher with tickets and accidents

One of the best ways to find the best insurance rates in Pittsburgh for state workers is to drive safe and avoid accidents and violations. The diagram below illustrates how speeding tickets and at-fault accidents can affect auto insurance rates for different categories of driver ages. The costs are based on a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.

In the chart above, the average cost of car insurance per year with no accidents or violations is $1,554. Factor in two speeding tickets and the average cost hikes up to $2,050, an increase of $496 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for state employees goes up to an average of $3,992. That’s an increase of $2,438, or $203 per month, just for being a careless driver!

How to find cheaper insurance for state employees

The list below summarizes some of the better thrifty ideas that can help drivers buy lower-cost coverage.

That last idea is incredibly significant, as we emphasized in the prior article. Coverage rates in Pittsburgh can be adjusted at any time, so drivers shouldn’t be reluctant to change to a new company if you can find a cheaper rate. Loyalty to a specific company is fine, but it’s not a great idea if that stubbornness costs you a wad of cash every year. Take a couple minutes and shop around to find cheaper car insurance for state employees.