Who Has the Cheapest Pittsburgh Auto Insurance for Safe Drivers?

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It's hard to miss the catchy advertisements from companies like State Farm, GEICO, and Nationwide that guarantee the cheapest price. So drivers should just choose the one with the best commercial, right?

Regrettably, it's not quite that easy, as there are a whole bunch of unknown aspects like the number of miles you drive each year, if you have a spouse, and if you have any tickets or accidents, that all influence how much you pay for auto insurance. This article goes into detail about the types of things that cause high car insurance rates and will hopefully give you a good beginning to your quest for cheaper car insurance in Pittsburgh.

The type of vehicle requiring insurance is probably the most important factor when shopping around for the best auto insurance for safe drivers. Vehicles with lots of speed or power, poor crash test ratings, or an increased likelihood of liability claims will cost more to insure than safer, lower-performance models.

The table below presents insurance prices for the most economical vehicles to insure in Pennsylvania.

Cheapest Vehicles to Insure in Pittsburgh, PA
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,278
Honda Accord EX-L 4-Dr Sedan $1,358
Toyota Prius $1,389
Honda CR-V EX-L 2WD $1,404
Chevrolet Equinox LS AWD $1,479
Ford Edge Limited AWD $1,557
Toyota Tacoma 2WD $1,588
GMC Sierra 2500HD SLE Crew Cab 4WD $1,596
Dodge Grand Caravan Hero $1,620
Toyota RAV4 4WD $1,628
Chevrolet Impala LT $1,620
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,628
Hyundai Elantra Blue 4-Dr Sedan $1,678
Honda Civic VP 4-Dr Sedan $1,683
Toyota Camry Hybrid $1,694
Hyundai Sonata Limited 4-Dr Sedan $1,703
Chevrolet Malibu LT $1,704
Ford Explorer Limited AWD $1,709
Honda Odyssey EX-L $1,711
Nissan Altima 2.5 S 4-Dr Sedan $1,716
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in zip code location which can decrease or increase price quotes substantially.

Based upon these rates, we can conclude that cars like the Ford Escape, Honda Accord, Toyota Prius, Honda CR-V, and Chevrolet Equinox are most likely to be a few of the less-costly vehicles to insure for good drivers.

One of the many factors that are used to help calculate the amount you pay each year for auto insurance is where you choose to live in Pittsburgh. Areas with more people or higher crime rates tend to have more expensive auto insurance rates, whereas areas that tend to be more rural get the luxury of paying less.

The illustration below sorts the priciest cities in Pennsylvania for safe drivers to buy auto insurance in. Pittsburgh is ranked #16 with an annual cost of $1,053 for the average policy, which is around $88 monthly.

How much does auto insurance cost in Pittsburgh?
Rank City Annual Premium
1 Philadelphia $1,997
2 Drexel Hill $1,534
3 Chester $1,421
4 Levittown $1,365
5 Norristown $1,307
6 Allentown $1,097
7 Plum $1,089
8 Bethlehem $1,087
9 Erie $1,082
10 Scranton $1,081
11 Hazleton $1,078
12 Reading $1,077
13 Municipality of Monr $1,059
14 Easton $1,058
15 Wilkes-Barre $1,057
16 Pittsburgh $1,053
17 New Castle $1,046
18 Altoona $1,042
19 Williamsport $996
20 Lancaster $995
21 Harrisburg $985
22 Bethel Park $979
23 Lebanon $950
24 York $916
25 State College $869
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Price information shown is comparative as the specific zip code location can influence premiums significantly.

Types of discounts on Pittsburgh car insurance rates

Save on auto insurance for good drivers in PittsburghInsurance providers that sell policies for safe drivers may additionally offer policy discounts that could reduce prices by as much as 25% or more if you qualify. Large auto insurance companies and some of the discounts are shown below.

The example below compares insurance premiums with and without discounts applied to the policy premium. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, marriage, defensive driving course, multiple vehicle, homeowner, and multiple policy discounts applied. With discounts applied, the average savings per year on auto insurance for safe drivers is 28% or $580.

The illustration below illustrates how your choice of deductibles can increase or decrease insurance rates when searching for cheap insurance for safe drivers. The premiums assume a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

In the chart above, a 50-year-old driver could pocket $270 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $408 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could save $888 or even more by choosing larger deductibles on their policy. If you do raise deductibles, it is important to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Who has the cheapest Pittsburgh car insurance?

Pittsburgh, PA auto insurance rates are impacted by many factors which can substantially decrease or increase your annual premium. Improving your credit score, moving to a new city, or having a fender bender can trigger rate changes resulting in some rates now being cheaper than before. Additionally, auto insurance companies modify pricing multiple times each year in order to maintain liquidity for claims. Higher than normal claim frequency or severity may cause rate increases, while lower claims may result in more affordable Pittsburgh car insurance rates.

To help illustrate this point, the chart below compares the cheapest car insurance in Pittsburgh, PA for a 40-year-old female driver with no accidents or violations, and a high credit rating. If we estimate rates based on her current risk factors, General Casualty may have the cheapest car insurance rates in Pittsburgh at $942 annually. This is $715 less than the average price paid by Pennsylvania drivers of $1,657. Travelers, Erie, Penn National, and USAA are the rest of the cheapest Pittsburgh, PA auto insurance companies.

The chart below compares rates after we give the driver from the first rate comparison an accident claim, slightly worse credit, and an imperfect driving record. Since each insurance company uses their own formula for determining rates, getting updated rate quotes may now result in a slightly different list of cheap Pittsburgh auto insurance companies as shown below.

Auto-Owners now has the best price on car insurance in Pittsburgh with Atlantic States, Donegal Mutual, Travelers, and GEICO now rounding out the top five. This illustrates why Pennsylvania drivers need to compare many different companies to get the lowest car insurance rates for safe drivers. Auto insurance prices are made up of many risk factors and can decrease or increase without notice, so the most economical company three years ago may now be one of the more expensive options.

How to find low-cost car insurance for safe drivers

It's not impossible to find cheaper rates, and here are some money-saving suggestions that can help you locate cheap auto insurance.

That last idea is highly critical, as we discussed in the prior article. Insurance rates in Pittsburgh change constantly, so don't be hesitant to switch carriers if a better rate can be found.

Staying with the same company for years is fine, but we do not recommend it if that faithfulness ends up costing you potentially thousands of dollars a year. If you have a few minutes, compare prices to find cheaper car insurance for safe drivers.