Who Has the Cheapest Pittsburgh Auto Insurance for Nurses?

Finding dependable, affordable car insurance is not the easiest thing to accomplish, and finding out which company has the cheapest car insurance rates for nurses will require more quotes for comparison. Each insurer has a proprietary formula to determine rates, so we need to take a look at the car insurance companies with the most affordable rates in Pittsburgh, PA.

It’s important to understand that Pittsburgh car insurance rates are calculated based on many things that can increase the cost of a policy. Simply having another birthday, getting married, or getting into an accident may cause policy rate changes that can now make some companies more affordable than the competition.

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What’s the cheapest car insurance in Pennsylvania?
Rank Company Cost Per Year
1 General Casualty $718
2 USAA $785
3 Erie $792
4 Travelers $803
5 Penn National $808
6 Auto-Owners $963
7 Amica $992
8 Atlantic States $1,036
9 Donegal Mutual $1,091
10 GEICO $1,145
11 California Casualty $1,186
12 Allied $1,190
13 State Farm $1,198
14 State Auto $1,229
15 Mutual Benefit Group $1,397
16 Encompass $1,398
17 Harleysville $1,410
18 Nationwide $1,433
19 Progressive $1,457
20 Chubb $1,536
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General Casualty has some of the most affordable car insurance rates in Pittsburgh at around $718 each year. USAA, Erie, Travelers, and Penn National are also some of the lowest-priced Pittsburgh, PA insurance companies.

In the above example, if you are a policyholder with Erie and switched to General Casualty, you could earn annual savings of in the neighborhood of $74. Policyholders with Travelers might save as much as $85 a year, and Penn National insureds might see rate reductions of $90 a year.

Understand that those rates are averages for all insureds and vehicles and are not factoring in a specific vehicle garaging location for nurses. So the company that can offer the best rates for your situation may not even be in the top 30 companies in the list above. That point stresses why you need to get rate quotes from many companies using your own specific driver information and vehicle.

For health professionals, one of the largest considerations that determine the amount you pay each year for auto insurance is where you call home. Areas with increased crime or more people tend to pay slightly more, whereas areas with less crime or weather claims benefit from lower prices.

The following table shows the most expensive areas in Pennsylvania for nurses in which to purchase auto insurance. Pittsburgh shows up at #14 with the yearly price of $1,053 for coverage, which is about $88 per month.

How much does auto insurance cost in Pittsburgh?
Rank City Annual Premium
1 Philadelphia $1,977
2 Drexel Hill $1,534
3 Chester $1,421
4 Levittown $1,421
5 Norristown $1,281
6 Reading $1,110
7 Allentown $1,097
8 Wilkes-Barre $1,089
9 Erie $1,082
10 Plum $1,079
11 Easton $1,058
12 New Castle $1,057
13 Bethlehem $1,055
14 Pittsburgh $1,053
15 Scranton $1,049
16 Municipality of Monr $1,049
17 Hazleton $1,046
18 Altoona $1,012
19 Harrisburg $995
20 Lancaster $995
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Premium costs are approximated as the vehicle garaging location can revise auto insurance rates noticeably.

Does it make sense to buy full coverage?

Paying a lower price for car insurance is the goal of most vehicle owners, and a great way to pay lower rates for insurance for nurses is to only buy liability coverage. The diagram below visualizes the comparison of auto insurance rates with full physical damage coverage and with liability coverage only. The premiums are based on no accidents or driving violations, $250 deductibles, marital status is single, and no additional discounts are factored in.

Averaged for all ages 20 through 70, full coverage on your policy costs $2,311 per year over liability only. That is a large expense and it proposes the question if full coverage is worth the money. There is no set rule that works best for making the decision to drop physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

The illustration below illustrates how your choice of deductibles can influence insurance prices when researching cheap insurance for nurses. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

In the chart above, a 50-year-old driver could pocket $226 a year by increasing from a $100 deductible to a $500 deductible, or save $340 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could reduce their rates up to $558 every year by using higher deductibles when buying full coverage. If you do raise deductibles, it will now be necessary to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense associated with higher deductibles.

Who has the cheapest Pittsburgh car insurance?

Pennsylvania car insurance rates are influenced by many factors which can substantially change the price of your policy. Simply improving your credit, moving to a new city, or having an at-fault accident may prompt premium changes that may make certain companies cheaper than before. Additionally, car insurance companies file new rates as needed to ensure their profitability. Heavier than normal losses may result in high rates, while profitable underwriting can produce more affordable Pittsburgh car insurance rates.

The graph below shows the companies that have the cheapest car insurance in Pittsburgh, PA for a 40-year-old male driver with a clean driving record, no accidents, and great credit. If we look at prices based on his current risk factors, General Casualty has the most affordable car insurance rates in Pittsburgh at $942 each year. This is $715 less than the average policy premium paid by Pennsylvania drivers of $1,657. USAA, Erie, Travelers, and Penn National round out the rest of the top five cheapest Pittsburgh, PA auto insurance companies.

The chart below compares rates after we give the driver in the first chart an accident surcharge, a lower credit score, and a few blemishes on his driving record. Since every car insurance company uses their own method to set premium rates, getting updated rate quotes could now result in a slightly different list of cheap Pittsburgh auto insurance companies as shown below.

Amica now has the best auto insurance rate in Pittsburgh with Atlantic States, Donegal Mutual, Travelers, and USAA now being in the top five. This example illustrates why consumers need to compare many different companies when trying to get the most economical insurance rates for nurses. Car insurance prices are made up of many things and can change without notice, so the most affordable company six months ago may now not even be in the top five.

How to find cheaper car insurance for nurses

It is possible to find better rates, and here are some of the recommended thrifty ideas that can help you buy low-cost car insurance.

The last item on the list is highly necessary, as was affirmed in the prior article. Prices charged by auto insurers in Pittsburgh can change considerably based on profitability, so don’t hesitate to switch carriers if a cheaper rate is available. Brand loyalty is not necessarily bad, but it’s not a great idea if that stubbornness costs you big bucks every year. Now is a great time to shop around and find cheaper car insurance for nurses.