For teenage drivers, one of the largest considerations that help determine the annual cost of car insurance is where you keep your vehicle in Pittsburgh. Regions with more people or even just more weather-related claims tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The information below lists the most expensive areas in Pennsylvania for 19 year olds to buy an auto insurance policy in. Pittsburgh is ranked at #13 with an annual cost of $1,053 on average, which is about $88 per month.
|Rank||City||Average Per Year|
|11||Municipality of Monr||$1,059|
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Rates are estimated as the specific area where the vehicle is garaged can revise coverage prices substantially.
The type of vehicle needing coverage is one of the largest considerations in finding the best cheap car insurance for 19 year olds. Vehicles with more horsepower, a lack of advanced safety features, or a high likelihood of having liability claims will cost significantly more to insure than more modest models. The list below illustrates insurance premiums for a number of the most affordable vehicles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$4,036|
|Honda CR-V EX-L 2WD||$4,086|
|Jeep Wrangler Sport 4WD 2-Dr||$4,178|
|Ford Escape Limited 4WD||$4,368|
|Dodge Grand Caravan CV||$4,507|
|Ford F-150 XL Super Cab 4WD||$4,512|
|Volkswagen Jetta 2.0T Station Wagon||$4,699|
|Ford Edge Limited 2WD||$4,739|
|Toyota RAV4 Limited 4WD||$4,789|
|Chevrolet Malibu LS||$4,798|
|Chevrolet Equinox LS AWD||$4,789|
|Ford Explorer Limited 2WD||$4,841|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$4,851|
|Toyota Tacoma Double Cab 4WD||$4,841|
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Data assumes single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates considerably.
Looking at the numbers, models like the Hyundai Elantra, Honda CR-V, Jeep Wrangler, Ford Escape, and Toyota Prius will definitely be a few of the less-costly vehicles to insure for teenage drivers. Prices will be more expensive just because there is more inherent risk for 19 year olds, but in general those models will tend to have the cheapest auto insurance rates compared to other vehicles.
Trying to buy low-cost insurance is not the easiest thing to do, and figuring out which company quotes the best car insurance rates for 19 year olds requires even more work. Every insurance provider has a proprietary formula to determine rates, so first we will examine the car insurance companies with the overall cheapest rates in Pittsburgh.
Cheapest Insurance Rates for Teens
|Rank||Company||Cost Per Year|
|17||Mutual Benefit Group||$1,454|
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General Casualty quotes some of the best car insurance rates in Pittsburgh at around $748 each year. Travelers, USAA, Erie, and Penn National would also be considered some of the more affordable Pittsburgh, PA insurance companies.
As depicted above, if you are a policyholder with Penn National and switched to Travelers, you could see savings of in the vicinity of $21. Drivers with Amica may save as much as $205 a year, and Auto-Owners policyholders might see rate reductions of $206 a year.
If you want to find out if you’re overpaying, click here to begin a quote or click through to the companies below.
Be aware that those rates are averaged across all types of insureds and vehicles and and are not figured with a vehicle location for 19 year olds. So the insurer that can offer you the best rate may not even be in the list above. That underscores the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.
How to get discounts on Pittsburgh insurance
Auto insurance companies that offer coverage for 19 year olds may also give you policy discounts that can reduce rates by 30% or more if you meet certain criteria. A few popular companies and some of their more popular discounts are:
- Farm Bureau has discounts for safe driver, youthful driver, multi-vehicle, renewal discount, and driver training.
- State Farm policyholders can earn discounts including student away at school, good driver, Drive Safe & Save, defensive driving training, and multiple autos.
- Progressive discounts include online quote discount, multi-policy, homeowner, good student, and online signing.
- Allstate may include discounts for good student, defensive driver, senior citizen, good payer, utility vehicle, anti-lock brakes, and anti-theft.
- Nationwide may have discounts that include accident-free, business or organization, Farm Bureau membership, defensive driving, easy pay, and multi-policy.
- MetLife offers discounts including good student, claim-free, accident-free, defensive driver, and good driver.
The information below visualizes the comparison of insurance premiums with and without discounts applied to the rates. The data is based on a female driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, anti-theft, multiple policy, claim-free, defensive driving course, and passive restraint discounts applied. When discounts are applied, theamount saved on car insurance for 19 year olds is 28% or $585.
Impact of speeding/accidents on car insurance rates
The ideal way to snag the most affordable car insurance prices in Pittsburgh for teenage drivers is to drive carefully and avoid traffic citations and accidents. The information below shows how traffic citations and at-fault claims can impact auto insurance costs for each different age category. The costs are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
The chart shows that the average cost of auto insurance per year with no accidents and a clean driving record is $1,337. Get written up for two speeding tickets and the average cost swells to $1,896, an increase of $560 each year. Now add in one accident along with the two speeding tickets and the annual cost of car insurance for 19 year olds increases to an average of $2,456. That’s an increase of $1,119, or $93 per month, just for not driving attentively!
Price comparison of only insuring for liability
Reducing premiums for car insurance is probably important to most vehicle owners, and an easy way to buy cheaper insurance for 19 year olds is to not pay for full coverage. The information below shows the comparison of auto insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The data assumes no claims or violations, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
As an average, full coverage costs an additional $2,528 per year more than buying just liability insurance. That is a significant amount which raises the question if it’s worth it to buy full coverage. There is no definitive rule for excluding full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 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 book value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $3,000 after paying your policy deductible. If you are paying over $300 a year for full coverage, then you might want to think about dropping full coverage.
There are some circumstances where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
The agents below are willing to help you decide which auto insurance policy fits you best, since some people prefer to have a consultation when shopping for the best coverage for 19 year olds. It can be difficult to find the cheapest rate yourself, so insurance agents can give comfort knowing your coverage gives you enough coverage if you have a claim.
To find an agent using an interactive map, click the link after the list.
- Adriana Pasquini – State Farm Insurance Agent
735 Copeland St, FL2, Pittsburgh 15232 – FL2, PA 15232 – (412) 904-1268
- J.S. Smith Insurance Agency
101 Bellevue Rd Suite 02 – Pittsburgh, PA 15229 – (412) 931-6070
- Dowd Insurance Agency Inc
998, Greensburg Pike – East Pittsburgh, PA 15112 – (412) 271-5477
- Brown Insurance Agency
5001 Baum Blvd #515 – Pittsburgh, PA 15213 – (412) 681-7114
How to find more affordable insurance for 19 year olds
The list below details some money-saving suggestions that can help Pittsburgh drivers find cheap car insurance.
- Multi-policy discounts save money
- Avoid getting citations and tickets
- Increase physical damage deductibles
- Improve your credit rating
- Accidents can significantly increase rates
- Pay less by remaining claim-free
- Ensure you have the best deal by shopping around regularly
That final tip is notably valuable, as we discussed in this piece. Auto insurance rates go up and down frequently, so drivers shouldn’t be reluctant to switch companies if a more affordable price is available. Brand loyalty is great, but we do not recommend it if your bullheadedness ends up costing you big bucks every year. In less than five minutes you could compare prices to find cheaper car insurance for 19 year olds in Pittsburgh.