Who Has Cheap Car Insurance for Seniors in Pittsburgh?

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.

How much does auto insurance cost in Pittsburgh?
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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Cheapest auto insurance in Pennsylvania ranked by cost per year
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
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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.

Cheapest Vehicles to Insure in Pittsburgh, PA
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
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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

  1. The General
  2. Titan Insurance
  3. The Hartford
  4. Progressive
  5. Travelers
  6. State Farm
  7. Farmers Insurance
  8. Erie Insurance
  9. Safeco Insurance
  10. 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.

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 RdPittsburgh, PA 15235(412) 744-4800

James L Smith Insurance Agency Inc
304 Cochran RdPittsburgh, PA 15228(800) 701-5909

Eric Morris – State Farm Insurance Agent
2015 Babcock BlvdPittsburgh, PA 15209(412) 821-0225

Zikos Insurance
Two Chatham Center, Suite 1060, 112 Washington PlPittsburgh, PA 15219(412) 391-3464

More insurance agents in Pittsburgh, PA