Finding good, low-cost insurance is difficult, and finding out which companies quote the most affordable car insurance rates for teenage males will require more quotes for comparison. Each auto insurance company has a proprietary formula to determine rates, so let’s take a look at the most competitive car insurance companies in Pennsylvania.
It’s important to know that Pennsylvania car insurance rates are influenced by many factors which can significantly increase or decrease the price of coverage. Simply having a birthday, getting married, or getting a driving violation can trigger price changes that may make certain companies much cheaper than others.
Best Insurance Companies for Teens
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $740 |
| 2 | Erie | $792 |
| 3 | Travelers | $803 |
| 4 | USAA | $809 |
| 5 | Penn National | $816 |
| 6 | Auto-Owners | $963 |
| 7 | Amica | $992 |
| 8 | Atlantic States | $1,016 |
| 9 | Donegal Mutual | $1,058 |
| 10 | GEICO | $1,111 |
| 11 | Allied | $1,155 |
| 12 | State Farm | $1,162 |
| 13 | California Casualty | $1,222 |
| 14 | State Auto | $1,267 |
| 15 | Mutual Benefit Group | $1,397 |
| 16 | Encompass | $1,398 |
| 17 | Harleysville | $1,452 |
| 18 | Progressive | $1,457 |
| 19 | Nationwide | $1,477 |
| 20 | Chubb | $1,598 |
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General Casualty generally has some of the best car insurance rates in Pittsburgh at around $740 each year. Erie, Travelers, USAA, and Penn National would also be considered some of the lowest-priced Pittsburgh, PA car insurance companies.
As the example above demonstrates, if you are currently insured with USAA and switched to General Casualty, you might see a yearly savings of in the neighborhood of $69. Policyholders with Penn National may save as much as $76 a year, and Auto-Owners policyholders might lower prices by $223 a year.
To get a fast rate comparison, click here to get quotes or feel free to get quotes from the companies below.
Remember that these rates are averages across all types of insureds and vehicles and do not take into consideration an exact zip code location for teenage males. So the auto insurance company that fits your needs best may not even be in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
The vehicle you are trying to insure is a large factor when trying to find cheap car insurance for teenage males. Vehicles with higher performance characteristics, poor safety ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than more economical and safe models. The table below estimates car insurance premiums for the more affordable vehicles to insure in Pennsylvania.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $4,656 |
| Honda CR-V LX 4WD | $4,666 |
| Ford Escape XLT 2WD | $4,656 |
| Toyota Prius | $5,058 |
| Toyota Tacoma 4WD | $5,223 |
| Dodge Grand Caravan SE | $5,230 |
| Ford F-150 XLT Regular Cab 4WD | $5,223 |
| Ford Edge Limited 2WD | $5,475 |
| Chevrolet Impala LS | $5,483 |
| Toyota RAV4 Limited 4WD | $5,526 |
| Chevrolet Malibu LS | $5,531 |
| Ford Explorer Limited AWD | $5,574 |
| Toyota Corolla XLE | $5,831 |
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Above prices assume single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific location which can alter premium rates noticeably.
By looking at the data, you can assume that makes and models like the Hyundai Elantra, Honda CR-V, and Ford Escape are most likely to be some of the most budget-friendly vehicles to insure for teen boys. The cost of auto insurance will tend to be higher because there is more claim exposure for teenage males, but in general those models will tend to have the least expensive rates compared to all other vehicles.
Types of discounts on Pittsburgh auto insurance rates
Auto insurance companies that provide coverage for teenage males may also provide discounts that could lower prices by as much as 30% if you qualify. Large car insurance companies and some of their more popular discounts are shown below.
- AAA includes discounts for multi-car, AAA membership discount, multi-policy, education and occupation, and pay-in-full.
- Progressive may offer discounts for multi-policy, online signing, multi-vehicle, good student, homeowner, online quote discount, and continuous coverage.
- State Farm policyholders can earn discounts including passive restraint, Drive Safe & Save, safe vehicle, defensive driving training, and good student.
- Esurance has savings for anti-lock brakes, anti-theft, Switch & Save, emergency road assistance, online shopper, and paid-in-full.
- Nationwide offers discounts including accident-free, family plan, business or organization, Farm Bureau membership, easy pay, multi-policy, and good student.
The chart below visualizes the comparison of yearly insurance costs with and without discounts applied to the policy rates. The prices are based on a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with paperless filing, good student, vehicle safety, continuous coverage, paid-in-full, and passive restraint discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for teenage males is 28% or $467.
Does it make sense to buy full coverage?
Finding the cheapest car insurance should be important to most people, and a good way to buy cheap insurance for teenage males is to not buy comprehensive and collision coverage. The chart below compares auto insurance costs when comparing full coverage to liability only. The prices are based on no tickets, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Averaged out for all age groups, full coverage costs $1,700 per year over liability only. At some point, every insured wonders if it’s worth it to buy full coverage. There is no clear-cut formula to stop buying full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s assume your vehicle’s replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after paying the physical damage deductible. If you are currently paying more than $200 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are a few cases where only buying liability is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
The illustration below illustrates how your deductible choice can influence yearly insurance costs when searching for cheap insurance for teenage males. The information is based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
A 50-year-old driver could lower rates by $226 a year by changing from a $100 deductible up to a $500 deductible, or save $340 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, can save $558 or more by choosing larger deductibles on their policy. When insureds make the decision to increase the deductibles on their policy, it is important to have plenty of savings on hand to pay the extra out-of-pocket expense that is associated with using high deductibles.
Compare quotes and save
Pittsburgh, PA car insurance rates are based on many factors that can increase the price you have to pay. Improving your credit score, becoming a homeowner, or getting a reckless driving citation may cause policy rate changes resulting in some companies being more affordable than others. In addition to those changes, car insurance companies change premium rates multiple times each year to reflect underwriting profits or losses. Heavy losses may cause higher rates, while lower claim expenses can produce more affordable Pittsburgh car insurance rates.
The graph below shows a variety of companies that have the cheapest car insurance in Pittsburgh, PA for a 40-year-old male driver with no prior claims, no tickets, and a good credit rating. When quoting prices based on his personal risk profile, General Casualty may have the most affordable car insurance rates in Pittsburgh at $896 a year. This is $761 less than the average price paid by Pennsylvania drivers of $1,657. Travelers, Penn National, USAA, and Erie are the remainder of the best Pittsburgh, PA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first rate comparison a chargeable claim, less-than-perfect credit, and a traffic ticket or two. Due to the fact that every auto insurer uses their own formula to set policy rates, comparing rates most likely will result in a significantly different list of the cheapest car insurance companies in Pittsburgh as shown below.
Auto-Owners now has the cheapest auto insurance in Pittsburgh with Atlantic States, Travelers, Donegal Mutual, and USAA now rounding out the top five. This illustrates why it is so important to compare rates when trying to get the lowest auto insurance quotes for teenage males. Prices are calculated by many risk factors and change dramatically, so the most affordable company the last time you shopped your coverage around may now be one of the higher cost companies.
The insurance agencies listed below can most likely answer your questions and help you decide which coverages and limits you need, since some people have coverage questions and would like to get some professional advice when shopping for cheaper insurance for teenage males. It can be complicated to find the best rates on your own, so professional agents can provide you peace of mind knowing your coverage gives you adequate protection. To find a Pittsburgh insurance agent close to where you live, click the button below the list or click here to get price quotes now.
- McGroarty and Bradburn Insurance
4175 Steubenville Pike – Pittsburgh, PA 15205 – (412) 444-4470 - A For the People Insurance Agency, Inc.
2514 Wylie Ave – Pittsburgh, PA 15219 – (412) 621-5581 - Nalley Insurance Agency LLC
3349 Babcock Blvd – Pittsburgh, PA 15237 – (412) 366-5223