How Much are Car Insurance Quotes for Police Officers in Pittsburgh?

The type of vehicle driven is probably the most important factor when consumers are trying to find cheap coverage for police officers. Vehicles with limited speed and performance, a plethora of safety features, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models.

The information below estimates insurance premiums for a number of the most affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure in Pittsburgh, PA
Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,085
Honda Accord LX-P 4-Dr Sedan $1,189
Ford Escape XLS 2WD $1,226
Chevrolet Malibu Hybrid $1,287
Chevrolet Impala LT $1,293
Chevrolet Equinox LS AWD $1,287
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,304
Dodge Ram Quad Cab ST 2WD $1,311
Ford F-150 FX4 4WD $1,316
Toyota Tacoma Double Cab 4WD $1,311
Ford Explorer Limited 4WD $1,318
Toyota Prius $1,323
Hyundai Elantra Blue 4-Dr Sedan $1,330
Ford Focus SEL 4-Dr Sedan $1,339
Dodge Grand Caravan CV $1,332
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in specific garaging location which can modify prices noticeably.

Looking at the rates, we can conclude that cars like the Honda CR-V, Honda Accord, Ford Escape, Chevrolet Malibu, and Chevrolet Impala are likely to be a few of the most affordable vehicles to insure for law enforcement personnel.

Finding budget insurance is difficult, and figuring out which companies quote the lowest-priced auto insurance rates for police officers may require even more work.

Every insurance company uses a slightly different approach to determine 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 impacted by many factors which can substantially change the policy price. Events like a birthday, getting married, or getting a couple of tickets may prompt premium changes that may make certain companies way too expensive in comparison to the competition.

Best Cheap Insurance Rates for Law Enforcement

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Rankings for the cheapest Pennsylvania auto insurance companies
Rank Company Cost Per Year
1 General Casualty $718
2 Travelers $787
3 USAA $793
4 Erie $824
5 Penn National $840
6 Auto-Owners $963
7 Amica $992
8 Atlantic States $1,005
9 Donegal Mutual $1,102
10 GEICO $1,111
11 Allied $1,144
12 State Farm $1,174
13 California Casualty $1,234
14 State Auto $1,241
15 Encompass $1,357
16 Harleysville $1,396
17 Progressive $1,414
18 Mutual Benefit Group $1,454
19 Nationwide $1,477
20 Chubb $1,598
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General Casualty has some of the cheapest car insurance rates in Pittsburgh at around $718 per year. Travelers, USAA, Erie, and Penn National are also some of the lowest-priced Pittsburgh, PA insurance companies.

As shown in the rates above, if you are a customer of USAA and switched to General Casualty, you could realize a yearly savings of upwards of $75. Policyholders with Erie might save as much as $106 a year, and Penn National policyholders might lower prices by $122 a year.

To get a quick, customized rate comparison, click here to begin a quote or feel free to get quotes from the companies below.

Bear in mind that those estimates are averages across all drivers and vehicles in Pennsylvania and and are not figured with a specific location for police officers. So the car insurance company that can offer the best rates for your situation may not even be in the list above. That underscores the importance of why you need to get quotes using your own driver and vehicle profiles.

For law enforcement personnel, one of the big factors that are looked at to determine the amount you pay each year for auto insurance is where you keep your vehicle. Cities with larger populations tend to pay more, whereas less populated areas have the benefit of cheaper auto insurance prices.

The illustration below lists the most expensive places in Pennsylvania for police officers to buy car insurance in. Pittsburgh comes in at #7 having an annual price of $1,095 for coverage, which is around $91 per month.

Car insurance prices in Pittsburgh
Rank City Premium Per Year
1 Philadelphia $2,057
2 Drexel Hill $1,534
3 Levittown $1,421
4 Chester $1,379
5 Norristown $1,268
6 Allentown $1,130
7 Pittsburgh $1,095
8 Wilkes-Barre $1,079
9 Hazleton $1,078
10 Reading $1,077
11 Erie $1,071
12 Municipality of Monr $1,059
13 Easton $1,058
14 Bethlehem $1,055
15 Plum $1,047
16 Scranton $1,039
17 New Castle $1,026
18 Altoona $1,002
19 Harrisburg $995
20 Bethel Park $979
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Premium costs are approximated as the specific geographic location can revise insurance rates significantly.

Insuring your vehicle with the right insurer can be difficult considering how many companies sell coverage in Pittsburgh. The information shown below can help you decide which coverage providers to look at when comparing rates. The ratings below include major nationwide insurance companies, so smaller companies that only insure vehicles in Pennsylvania are not included in these rankings.

Top 10 Large Auto Insurance Providers in Pittsburgh Ranked by Customer Service

  1. Titan Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. USAA
  6. Travelers
  7. State Farm
  8. GEICO
  9. Erie Insurance
  10. Allstate

Top 10 Large Auto Insurance Providers in Pittsburgh Ranked by Customer Satisfaction

  1. Titan Insurance – 93%
  2. The Hartford – 93%
  3. The General – 91%
  4. Progressive – 90%
  5. 21st Century – 89%
  6. USAA – 87%
  7. Erie Insurance – 87%
  8. State Farm – 87%
  9. Travelers – 87%
  10. Safeco Insurance – 86%

Full coverage rates vs. liability-only

Lowering the price of auto insurance is the goal of the majority of people, and a great way to reduce the cost of insurance for police officers is to not buy comprehensive and collision coverage. The information below illustrates the difference between auto insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no accidents, no driving violations, $250 deductibles, drivers are single, and no additional discounts are factored in.

Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs an extra $2,311 per year over having just liability coverage. Many drivers will wonder if full coverage is worth the money. There is no clear-cut formula for eliminating full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

There are some circumstances where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not buy liability only.

Why you should shop around

Pennsylvania auto insurance rates are determined by lots of factors which can substantially change the price you pay for coverage. Getting older, marrying your spouse, or having an at-fault accident can trigger changes in premium that may make certain companies much cheaper than others.

In addition to those changes, car insurance companies change their prices as often as every three months in order to protect their financial rating. Higher than usual claims can cause more expensive prices, while lower claim levels may result in lower-priced Pittsburgh car insurance rates.

The chart below analyzes the cheapest car insurance in Pittsburgh, PA for a 30-year-old female driver with a good driving record, no prior claims, and excellent credit. When comparing rates based on her current risk factors, General Casualty may have the most affordable car insurance rates in Pittsburgh at $870 per year. This is $787 less than the average premium paid by Pennsylvania drivers of $1,657. Erie, Travelers, USAA, and Penn National are the rest of the best Pittsburgh, PA auto insurance companies.

Now we will give the driver in the first example an at-fault accident, poor credit, and a traffic ticket or two. Due to the fact that every auto insurer has a unique formula for setting rates, analyzing rate quotes may now show a slightly different list of companies as shown below.

Auto-Owners now has the lowest price in Pittsburgh, PA with Atlantic States, Donegal Mutual, USAA, and GEICO also having competitive pricing. This example shows why consumers need to compare lots of rates to get the most affordable car insurance quotes for police officers. Prices consist of many different factors and can change substantially, so the best company when you bought your policy may now be one of the higher cost companies.