What Car Insurance is Cheapest for Young Drivers in Pittsburgh?

For youthful drivers, one of the largest considerations that are used to help calculate auto insurance rates is your zip code in Pittsburgh. Regions with more people or even just more weather-related claims tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims benefit from lower prices.

The information below rates the highest-priced areas in Pennsylvania for young drivers to buy auto insurance in. Pittsburgh shows up at #13 with a yearly premium of $1,063 for the average policy, which is around $89 monthly.

How much is auto insurance in Pittsburgh, PA?
Rank City Annual Rate
1 Philadelphia $2,057
2 Drexel Hill $1,489
3 Levittown $1,421
4 Chester $1,379
5 Norristown $1,281
6 Allentown $1,141
7 Erie $1,115
8 Easton $1,091
9 Bethlehem $1,087
10 Wilkes-Barre $1,079
11 Scranton $1,071
12 Reading $1,066
13 Pittsburgh $1,063
14 Municipality of Monr $1,059
15 Plum $1,057
16 Hazleton $1,056
17 Altoona $1,042
18 Harrisburg $1,025
19 New Castle $1,015
20 Lancaster $1,005
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Prices are comparative as the specific geographic location can affect prices substantially.

Determining which insurers offer the cheapest insurance rates for young drivers will require a bit more effort in order to find the lowest price quote. Every insurance company has their own guidelines to determine premium rates, so we need to take a look at the most affordable insurance companies in Pittsburgh.

Cheapest Insurance Rates for Teens

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Cheapest auto insurance in Pennsylvania ranked by cost per year
Rank Company Cost Per Year
1 General Casualty $726
2 USAA $785
3 Travelers $811
4 Penn National $816
5 Erie $824
6 Auto-Owners $963
7 Atlantic States $1,016
8 Amica $1,022
9 Donegal Mutual $1,069
10 GEICO $1,145
11 State Farm $1,162
12 Allied $1,190
13 California Casualty $1,222
14 State Auto $1,267
15 Encompass $1,344
16 Progressive $1,429
17 Nationwide $1,433
18 Harleysville $1,438
19 Mutual Benefit Group $1,439
20 Chubb $1,583
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General Casualty generally has some of the lowest car insurance rates in Pittsburgh at around $726 a year. USAA, Travelers, Penn National, and Erie also make the cut as some of the cheaper Pittsburgh, PA insurance companies.

In the above example, if you are a customer of USAA and switched to General Casualty, you could realize a yearly savings of about $59. Policyholders with Travelers could save as much as $85 a year, and Penn National policyholders might cut rates by $90 a year.

These policy prices are averages for all insureds and vehicles and do not take into consideration a specific vehicle garaging location for young drivers. So the company that is most affordable for your situation may not even be in the top 30 companies shown above. That helps illustrate why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

The car, truck, or SUV that needs insurance is a significant factor that determines whether or not you find cheaper car insurance for young drivers. Vehicles with high performance features, poor safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models.

The table below presents coverage costs for a number of the most cost-effective automobiles to insure in Pennsylvania.

Cheapest Vehicles to Insure in Pittsburgh, PA
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 2WD $3,884
Hyundai Elantra GLS Touring Station Wagon $3,890
Ford Escape Limited 4WD $4,165
Toyota Prius $4,205
Honda Odyssey LX $4,324
Ford F-150 STX Regular Cab 4WD $4,361
Volkswagen Jetta SE 2.5 Station Wagon $4,452
Ford Edge SEL AWD $4,568
Ford Focus S 4-Dr Sedan $4,573
Chevrolet Impala LS $4,568
Dodge Grand Caravan Hero $4,605
Toyota RAV4 2WD $4,613
Chevrolet Equinox LT AWD $4,605
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Table data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in specific Pittsburgh, PA garaging location which can increase or decrease coverage prices considerably.

Based upon the table data, vehicles like the Honda CR-V, Hyundai Elantra, and Ford Escape will be the more affordable vehicles to insure for youthful drivers. The cost of auto insurance will tend to be more expensive because of the fact that there is more claim risk for young drivers, but overall those models will probably have the lowest insurance prices available.

Reckless driving habits raise insurance rates

The easiest method to earn good insurance prices in Pennsylvania for youthful drivers is to drive cautiously and avoid getting tickets or having accidents. The example below illustrates how violations and at-fault collisions can impact auto insurance costs for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

The data in the chart shows the average cost of an auto insurance policy in Pennsylvania per year with no violations or accidents is $1,410. Factor in two speeding tickets and the average cost swells to $1,994, an increase of $584 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance for young drivers increases to an average of $4,452. That’s an increase of $3,043, or $254 per month, just for not keeping your driving record clean!

Liability-only versus full coverage

Saving on insurance should be important to the majority of vehicle owners, and an effective way to find cheaper insurance for young drivers is to not insure for full coverage. The example below compares auto insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no claims or driving violations, $250 deductibles, drivers are single, and no discounts are taken into consideration.

Averaged for all age groups, full coverage on your policy costs $2,311 per year more than just buying liability only. At some point, almost every driver questions when is the right time to remove full coverage. There is no exact rule to delete comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your vehicle’s settlement value is $12,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $11,000 after the policy deductible has been paid. If you are currently paying more than $1,100 a year for physical damage coverage, then you might want to consider buying only liability coverage.

Get discounts on Pittsburgh car insurance rates

Cheaper Pittsburgh, PA insurance for youthful driversAuto insurance companies that provide policies for young drivers may also offer policy discounts that could reduce prices by 25% or more if you qualify. The best insurance companies and a summarized list of policyholder discounts can be found below.

The illustration below compares insurance rates with and without discounts. The prices are based on a female driver, a clean driving record, no claims, Pennsylvania state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with anti-theft, paperless filing, vehicle safety, good student, paid-in-full, and continuous coverage discounts applied. When discounts are factored in, theaverage amount saved on insurance for young drivers is 28% or $518.

How to find cheaper car insurance for young drivers

The list below summarizes some of the better thrifty suggestions that can help Pennsylvania drivers locate more affordable coverage.

The last suggestion is certainly valuable, as we hit on in this piece. Rates can be modified anytime, so don’t be hesitant to buy from a new company if a cheaper price is available.

Brand loyalty is not necessarily bad, but is isn’t recommended if that loyalty results in overpaying a small fortune. It only take a few minutes to compare prices and find cheaper car insurance for young drivers in Pittsburgh.

The insurance agencies listed below can help you decide which auto insurance coverages would be the best in your situation, as some drivers have questions and prefer to have some professional guidance when trying to find lower insurance rates for youthful drivers. It’s not always easy to find the cheapest auto insurance company, and insurance agents can bring satisfaction knowing your policy gives you adequate coverage if you have an accident or claim. To find a Pittsburgh insurance agency in your neighborhood, click the link after the list or click here to compare rates now.

Nationwide Insurance: Swenson Insurance Inc
234 Shady AvePittsburgh, PA 15206(412) 362-8340

Casper Insurance Agency, Inc.
611 Mt Royal BlvdPittsburgh, PA 15223(412) 486-9200

Chad Gregorini – State Farm Insurance Agent
7 Brilliant AvePittsburgh, PA 15215(412) 784-8855

Nationwide Insurance: Barry Lumsden
600 Grant StPittsburgh, PA 15219(412) 415-1954

D Johnson Insurance Agency
12806 Frankstown RdPittsburgh, PA 15235(412) 744-4800

Find a Pittsburgh, PA insurance agent near you