Who Has Cheap Auto Insurance for 4×4 Vehicles in Pittsburgh?

The words “bargain” and “insurance” probably shouldn’t be used together, specifically when you are shopping around for the cheapest coverage for 4×4 vehicles. Because of the high cost, let’s go over a few of the factors that help determine insurance rates, and find a few ways to take the bite out of your next policy.

The vehicle model you are trying to insure is a large factor when consumers are trying to find the most affordable insurance for 4×4 vehicles. Vehicles with limited top-end speed, a great safety record, or a positive history of liability claims will cost substantially less to insure than higher performance models. The information below features insurance costs for a handful of the most economical automobiles to insure in Pennsylvania.

Cheapest Vehicles to Insure in Pittsburgh, PA
Vehicle Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $1,252
Hyundai Elantra GLS Touring Station Wagon $1,339
Ford Escape XLT 2WD $1,347
Honda Accord EX 4-Dr Sedan $1,382
Chevrolet Impala LS $1,427
Ford Edge Limited 2WD $1,436
Jeep Wrangler Sport 4WD 2-Dr $1,447
Chevrolet Silverado LS Regular Cab 4WD $1,467
Ford Explorer XLT AWD $1,499
Toyota Prius $1,532
Ford F-150 XL Super Cab 4WD $1,556
Toyota Tacoma Double Cab 4WD $1,586
Honda Odyssey EX W/Rear Entertainment $1,599
Jeep Grand Cherokee Laredo 2WD $1,634
Toyota RAV4 Sport 2WD $1,641
Chevrolet Equinox LT 2WD $1,634
Ford Focus SES 4-Dr Sedan $1,641
Honda Civic EX 4-Dr Sedan $1,648
Chevrolet Malibu LT $1,671
Dodge Grand Caravan Crew $1,677
Toyota Corolla LE $1,674
GMC Sierra 3500HD SLT Crew Cab 2WD $1,694
Nissan Rogue SL 2WD $1,699
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can increase or decrease rates noticeably.

Looking at the numbers, cars like the Honda CR-V, Hyundai Elantra, Ford Escape, and Honda Accord are a few of the cheaper vehicles to insure for off-road vehicles.

Deciding which companies quote the cheapest auto insurance rates for 4×4 vehicles requires a bit more work than just picking a company at random.

Every auto insurer uses a slightly different approach to set premium rates, so let’s look at the rankings for the most affordable auto insurance companies in Pittsburgh. It’s a good idea to be aware that Pittsburgh, PA auto insurance rates are impacted by many things that may substantially change the price of your policy. Simply having another birthday, moving across town, or getting caught speeding may cause policy rate changes that can cause some rates to be cheaper in comparison to the competition.

Cheap Insurance Rates for 4×4’s

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What’s the cheapest car insurance in Pennsylvania?
Rank Company Cost Per Year
1 General Casualty $726
2 Travelers $787
3 Erie $792
4 USAA $809
5 Penn National $832
6 Auto-Owners $963
7 Amica $992
8 Atlantic States $1,005
9 Donegal Mutual $1,102
10 GEICO $1,123
11 State Farm $1,174
12 Allied $1,190
13 California Casualty $1,198
14 State Auto $1,267
15 Encompass $1,357
16 Nationwide $1,433
17 Mutual Benefit Group $1,439
18 Harleysville $1,452
19 Progressive $1,457
20 Chubb $1,536
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General Casualty may have some of the cheapest car insurance rates in Pittsburgh at around $726 a year. Travelers, Erie, USAA, and Penn National also rank well as some of the best Pittsburgh, PA car insurance companies.

In this example, if you have coverage with Travelers and switched to General Casualty, you may realize a yearly price reduction of upwards of $61. Pennsylvania drivers with Erie might save as much as $66 a year, and USAA customers might reduce rates by $83 a year.

It’s important to note that these prices are averages for all types of drivers and the different vehicles they drive and do not take into consideration an exact location for 4×4 vehicles. So the car insurance company that fits your situation best may not even be in the top 30 companies shown above. That helps illustrate why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

The diagram below demonstrates how deductible levels can affect insurance costs when researching cheap insurance for 4×4 vehicles. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

The chart above illustrates that a 30-year-old driver could lower rates by $260 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $394 by switching to a $1,000 deductible. Younger drivers, like the Age 20 chart data, can save $558 or more just by choosing higher deductibles.

When using a larger deductible, it is important to have additional savings on hand to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Impact of violations and accidents on rates in Pittsburgh

In a perfect world, the ideal way to maintain good auto insurance prices in Pennsylvania for off-road vehicles is to be a careful driver and avoid accidents and traffic violations. The information below shows how violations and at-fault fender-benders drive up auto insurance rates for each different age category. Data assumes a single male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

In the previous chart, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,311. Factor in two speeding tickets and the average cost increases to $3,063, an increase of $752 each year. Then include two accidents along with the two speeding tickets and the yearly cost of auto insurance for 4×4 vehicles increases to an average of $5,863. That’s an increase of $3,552, or $296 per month, just for being a less-than-perfect driver!

The benefit of shopping around

Pittsburgh, PA auto insurance rates are based on many factors which can significantly increase or decrease the cost of your policy. Simply turning a year older, buying a new vehicle, or getting a couple of tickets can trigger price changes that can cause some rates to be more affordable than the competition. Not only may your risk profile change, but insurance companies change the rates they charge in Pennsylvania without warning in order to remain profitable. Heavy losses may result in rate hikes, while lower claim expenses can result in more affordable Pittsburgh car insurance rates.

As an example, the graph below shows the company with the cheapest car insurance in Pittsburgh, PA for a 30-year-old female driver with a clear driving record, no claims, and solid credit. If we compare prices based on her current risk profile, General Casualty quotes the cheapest car insurance rates in Pittsburgh at $932 each year. This is $725 less than the average rate paid by Pennsylvania drivers of $1,657. Travelers, Penn National, USAA, and Erie are the remainder of the cheapest Pittsburgh, PA auto insurance companies.

The next chart shows rates after we give the driver from the first rate comparison some claims, poor credit, and a few traffic violations. Due to the fact that each insurance company has a unique approach for determining prices, comparing rates may now show a substantially altered list of affordable Pittsburgh car insurance companies as shown below.

Auto-Owners now has the lowest price in Pittsburgh, PA with Atlantic States, Travelers, Donegal Mutual, and Penn National now rounding out the top five. This example shows why drivers need to perform a complete rate comparison when trying to get the most affordable auto insurance rates for 4×4 vehicles. Prices are determined by many risk factors and can change without notice, so the cheapest rate the last time you shopped your coverage around may now be quite expensive.

If you prefer to get some help when shopping for cheaper insurance for off-road vehicles, the agents below are willing to help you make a decision which policy fits your needs best. To find an agent using an interactive map, click the button link following the list or click here to get price quotes now.

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

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

Tad Paterra – State Farm Insurance Agent
984 Greentree RdPittsburgh, PA 15220(412) 922-2622

More Pittsburgh, PA insurance agents

How to find budget-friendly auto insurance for 4×4 vehicles

It is possible to find better rates, and here are many money-saving ideas that can help drivers locate lower-cost auto insurance.

The last tip is incredibly crucial, as was noted in the article above. Rates can be adjusted at any time, so don’t be tentative to switch companies if you can find a cheaper rate. Having a favorite company is great, but it isn’t a good idea if that stubbornness costs you several hundred dollars every year. It only takes a couple minutes to compare rates and find cheaper insurance for 4×4 vehicles in Pittsburgh.