For senior citizens, one of the big considerations that help determine car insurance rates is where you keep your car. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas more rural areas receive better rates.
The table below shows the most expensive areas in Pennsylvania for seniors in which to buy car insurance. Pittsburgh is listed at #14 costing $1,063 for the average insured, which is around $89 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $1,977 |
| 2 | Drexel Hill | $1,549 |
| 3 | Chester | $1,421 |
| 4 | Levittown | $1,421 |
| 5 | Norristown | $1,320 |
| 6 | Erie | $1,115 |
| 7 | Allentown | $1,108 |
| 8 | Municipality of Monr | $1,091 |
| 9 | Plum | $1,089 |
| 10 | Hazleton | $1,088 |
| 11 | Bethlehem | $1,077 |
| 12 | Reading | $1,077 |
| 13 | Easton | $1,069 |
| 14 | Pittsburgh | $1,063 |
| 15 | New Castle | $1,057 |
| 16 | Wilkes-Barre | $1,057 |
| 17 | Scranton | $1,039 |
| 18 | Altoona | $1,032 |
| 19 | Harrisburg | $1,015 |
| 20 | Lancaster | $1,005 |
| 21 | Bethel Park | $979 |
| 22 | Williamsport | $956 |
| 23 | York | $944 |
| 24 | Lebanon | $922 |
| 25 | State College | $878 |
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Rate information is comparative as the specific Pittsburgh residence address can raise or lower coverage rates significantly.
Finding good, reasonably-priced auto insurance is challenging, and determining which companies have the cheapest auto insurance rates for seniors involves even more rate comparisons. Every insurance provider has their own unique process for determining prices, so first we will examine the overall cheapest auto insurance companies in Pennsylvania.
Lowest Insurance Price Quotes for Mature Drivers
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $748 |
| 2 | Travelers | $811 |
| 3 | Erie | $816 |
| 4 | USAA | $817 |
| 5 | Penn National | $832 |
| 6 | Auto-Owners | $1,003 |
| 7 | Amica | $1,022 |
| 8 | Atlantic States | $1,047 |
| 9 | Donegal Mutual | $1,102 |
| 10 | GEICO | $1,145 |
| 11 | Allied | $1,155 |
| 12 | State Farm | $1,198 |
| 13 | State Auto | $1,229 |
| 14 | California Casualty | $1,234 |
| 15 | Encompass | $1,398 |
| 16 | Progressive | $1,414 |
| 17 | Harleysville | $1,438 |
| 18 | Mutual Benefit Group | $1,439 |
| 19 | Nationwide | $1,447 |
| 20 | Chubb | $1,598 |
| Quote Your Rates Go | ||
General Casualty generally has some of the most affordable car insurance rates in Pittsburgh at around $748 a year. Travelers, Erie, USAA, and Penn National would also be considered some of the most economical Pittsburgh, PA car insurance companies.
In the above example, if you buy coverage from USAA and switched to General Casualty, you might achieve a yearly price reduction of in the neighborhood of $69. Drivers with Penn National could save as much as $84 a year, and Auto-Owners policyholders might cut rates by $255 a year.
Understand that those policy rates are averaged across all drivers and vehicles and are not factoring in a vehicle location for seniors. So the company that has the lowest price for you may not even be in the list above. That’s why you need to get quotes using your own driver information and specific vehicle type.
The type of vehicle that needs insurance is one of the largest factors when quoting economical coverage for seniors. Vehicles with limited speed and performance, advanced safety features, or a track record of few liability claims will cost significantly less to insure than high performance models.
The next table presents coverage premiums for a number of the most affordable automobiles to insure in Pennsylvania.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $942 |
| Ford F-150 XL Regular Cab 2WD | $956 |
| Ford Escape Limited 4WD | $1,001 |
| Toyota Prius | $1,023 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,035 |
| Toyota Tacoma 4WD | $1,043 |
| Chevrolet Impala LS | $1,072 |
| Honda Civic DX 4-Dr Sedan | $1,080 |
| Ford Edge SE AWD | $1,072 |
| Jeep Grand Cherokee Laredo 2WD | $1,094 |
| Chevrolet Equinox LT AWD | $1,099 |
| Toyota RAV4 4WD | $1,094 |
| Ford Explorer Eddie Bauer 4WD | $1,115 |
| Start a Quote Go | |
Premium data assumes married male driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium costs do not factor in your specific Pittsburgh, PA location which can change auto insurance rates noticeably.
Based upon these rates, you can conclude that cars like the Honda CR-V, Ford F-150, Ford Escape, and Toyota Prius are most likely going to be a few of the more affordable vehicles to insure for senior citizens.
Insuring your vehicle with a highly-rated car insurance provider can be challenging considering how many choices you have in Pittsburgh. The rank data in the next section could help you select which companies to look at buying from. These rankings are only comprised of large insurance companies, so companies that focus mainly on Pennsylvania business will not be included in this list.
Top 10 Major Auto Insurance Providers Overall in Pittsburgh
- The General
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
- USAA
Illustration showing the impact of accidents and violations
In a perfect world, the ideal way to obtain affordable auto insurance rates in Pittsburgh for senior citizens is to drive cautiously and avoid at-fault accidents and violations. The diagram below illustrates how traffic citations and at-fault accidents can impact yearly insurance costs for different age groups. The information is based on a married male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of car insurance per year with no violations or accidents is $2,007. Get written up for two speeding tickets and the average cost hikes up to $2,773, an increase of $766 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for seniors goes up to an average of $5,581. That’s an increase of $3,574, or $298 per month, just for not driving attentively!
How to find budget-friendly insurance for seniors
Here are some thrifty suggestions that can help drivers get cheap coverage.
- Frequent claims may make car insurance unaffordable
- Save money by bundling your home and auto policies
- At-fault accidents will increase rates
- Increase your credit score
- Increase your physical damage deductibles
- Maintain a clean driving record
- Compare rates regularly to ensure the best deal
The last tip is highly vital, as was stressed in the article above. Coverage rates adjust frequently, so don’t hesitate to buy from a new company if a better rate can be found.
Brand loyalty is not necessarily bad, but it isn’t a good idea if that dedication is costing a lot of money. In less than five minutes you could compare prices and find cheaper car insurance for seniors in Pittsburgh.
The Pittsburgh, PA, insurance agents below can help you make a decision which coverage fits your budget, as some drivers have questions and prefer to have some advice when trying to find lower insurance rates for seniors. It can be time-consuming to find the best policy yourself, and a licensed agent can give satisfaction knowing your coverage gives you enough protection.
To find a Pittsburgh insurance agent close to where you live, click the button link following the list.
D Johnson Insurance Agency
12806 Frankstown Rd – Pittsburgh, PA 15235 – (412) 744-4800
James L Smith Insurance Agency Inc
304 Cochran Rd – Pittsburgh, PA 15228 – (800) 701-5909
Eric Morris – State Farm Insurance Agent
2015 Babcock Blvd – Pittsburgh, PA 15209 – (412) 821-0225
Zikos Insurance
Two Chatham Center, Suite 1060, 112 Washington Pl – Pittsburgh, PA 15219 – (412) 391-3464