Who Has Cheap Auto Insurance Rates for College Graduates in Pittsburgh?

One of the more important considerations that are used to help calculate the cost of insurance is where your car is garaged. Cities with more crime and/or more people tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.

The illustration below rates the most expensive areas in Pennsylvania for college graduates in which to purchase auto insurance. Pittsburgh is ranked at #12 with an annual rate of $1,063 for the average insured, which is around $89 each month.

How much is car insurance in Pittsburgh?
Rank City Average Per Year
1 Philadelphia $1,997
2 Drexel Hill $1,489
3 Levittown $1,421
4 Chester $1,393
5 Norristown $1,268
6 Allentown $1,097
7 Plum $1,089
8 Hazleton $1,088
9 Erie $1,082
10 Bethlehem $1,077
11 Reading $1,077
12 Pittsburgh $1,063
13 Municipality of Monr $1,059
14 Easton $1,058
15 Wilkes-Barre $1,057
16 New Castle $1,057
17 Scranton $1,049
18 Harrisburg $1,015
19 Lancaster $1,005
20 Altoona $1,002
21 Williamsport $996
22 Bethel Park $989
23 York $944
24 Lebanon $922
25 State College $878
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Rate information is estimated as specific Pittsburgh zip code can revise insurance rates substantially.

Comparing rates for low-priced car insurance is easier said than done, and figuring out which insurers offer the cheapest car insurance rates for college graduates calls for even more perseverance. Every insurance company has their own formula for determining rates in each state, so let’s rank the car insurance companies that tend to have lower prices in Pittsburgh.

It’s important to know that Pittsburgh, PA car insurance rates are impacted by many factors that will increase or decrease the cost of a policy. This price variability is why it is important to take the time to shop around to get the most affordable insurance quotes for college graduates. Auto insurance prices can be altered by many factors and can change substantially, so the cheapest option the last time you compared rates may now cost much more than other companies.

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What’s the cheapest car insurance in Pennsylvania?
Rank Company Cost Per Year
1 General Casualty $726
2 USAA $793
3 Travelers $803
4 Penn National $816
5 Erie $816
6 Auto-Owners $963
7 Amica $1,012
8 Atlantic States $1,047
9 Donegal Mutual $1,069
10 GEICO $1,111
11 State Farm $1,174
12 Allied $1,179
13 California Casualty $1,198
14 State Auto $1,267
15 Encompass $1,357
16 Mutual Benefit Group $1,397
17 Harleysville $1,410
18 Progressive $1,414
19 Nationwide $1,477
20 Chubb $1,583
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General Casualty may offer some of the lowest car insurance rates in Pittsburgh at around $726 annually. USAA, Travelers, Penn National, and Erie would also be considered some of the cheaper Pittsburgh, PA car insurance companies.

As the rates illustrate above, if you buy coverage from Erie and switched to USAA, you might see yearly savings of around $23. Insureds with Auto-Owners could save as much as $170 a year, and Amica policyholders might see rate reductions of $219 a year.

It’s important to note that these policy rates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a specific location for college graduates. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That is why you need to get rate quotes using your own specific driver and vehicle information.

The car, truck, or SUV you are trying to insure is one of the largest factors that determines if you can find cheap car insurance for college graduates. Vehicles with high performance, poor safety ratings, or a history of substantial liability claims will cost substantially more to insure than more modest models.

The data below estimates coverage premiums for a number of the most budget-friendly vehicles to buy coverage for.

Cheapest Vehicles to Insure in Pittsburgh, PA
Vehicle Insured Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,069
Honda CR-V EX-L 2WD $1,095
Chevrolet Silverado LS Regular Cab 2WD $1,269
Ford F-150 SVT Raptor Super Cab 4WD $1,292
Honda Civic LX 4-Dr Sedan $1,308
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,311
Ford Escape XLS 4WD $1,313
GMC Sierra 2500HD SLE Extended Cab 4WD $1,358
Nissan Rogue S 2WD $1,363
Ford Focus SES 2-Dr Coupe $1,428
Volkswagen Jetta 2.0T Station Wagon $1,435
Toyota Camry Hybrid $1,452
Toyota Prius $1,456
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium amounts do not factor in specific location information which can modify coverage prices substantially.

Looking at the numbers, you can figure that vehicles like the Hyundai Elantra, Honda CR-V, Chevrolet Silverado, and Ford F-150 are likely to be some of the cheapest vehicles to insure for college grads.

Discounts on Pittsburgh car insurance

Car insurance for college grads in Pittsburgh, PAInsurance companies that offer quotes for college graduates may also give you policy discounts that can reduce rates by as much as 25% or more if you meet specific eligibility requirements. A few of the larger companies and a selection of discounts are shown below.

The example below shows the comparison of insurance premiums with and without discounts. The prices are based on a female driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, homeowner, claim-free, defensive driving course, multiple vehicle, and anti-theft discounts applied. When these discounts are applied, the average savings per year on car insurance for college graduates is 28% or $558.

Poor driving habits will raise your car insurance rates

The ideal way to obtain cheap car insurance rates for college grads is to be a safe driver and avoid getting tickets or having accidents. The information below illustrates how violations and accident claims impact insurance rates for different insured age categories. The data is based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

The chart shows that the average cost of an auto insurance policy in Pennsylvania per year with no accidents and a clean driving record is $1,179. Get two speeding tickets and the average cost hikes up to $1,614, an increase of $435 each year. Then include two accidents along with the two speeding tickets and the yearly cost of car insurance for college graduates jumps again to an average of $3,438. That’s an increase of $2,259, or $188 per month, just for not driving safely!

How to find cheaper car insurance for college graduates

The list below details some of the recommended thrifty ideas that can help drivers buy cheaper coverage.

The last tip in the list is remarkably vital, as we pointed out in the prior information. Auto insurance rates in Pittsburgh can change significantly in a year, so don’t be afraid to buy a policy from a new company if a better rate can be found.

Being loyal to a particular company is commendable, but it isn’t a good idea if that devotion results in you overpaying money that could be spent on other things. Take a few minutes and compare rates and find cheaper auto insurance for college graduates.