Cheapest Car Insurance In Pittsburgh, PA
After my research, I’ve found that overall, Travelers provides the most affordable car insurance in Pittsburgh.
If you live in the city of Pittsburgh, you’re probably on the hunt for the best value deals, especially when it comes to car insurance. Based on extensive research, Travelers emerges as the clear winner, offering the cheapest car insurance in Pittsburgh.
Finding the right car insurance at the right price is crucial for your financial well-being. Not only do you shell out a significant amount each month for car insurance, but having adequate coverage is vital. In case of an accident where someone gets injured or worse, lacking the proper coverage could put you at substantial financial risk.
With 15 years of experience as a licensed insurance agent and more than 35 years as a car insurance buyer, I’ve become intimately familiar with all the companies reviewed in this article, and I’ve been insured by several of them. While they are all reliable carriers, they do excel in different demographics. However, for those seeking affordable car insurance in Pittsburgh, Travelers stands out from the pack.
Cheapest And Best Car Insurance Companies In Pittsburgh, PA 2024
Compare The Cheapest Car Insurance Companies In Pittsburgh, PA
| Overall Rating | Cheapest For | A.M. Best Rating | J.D. Power Rating | Online Experience | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Driving Violations |
A++ |
843 |
9.7 |
Instant Quote |
| Travelers |
|
Full Coverage |
A++ |
822 |
9.5 |
Instant Quote |
| Nationwide |
|
Teens |
A+ |
820 |
9.6 |
Instant Quote |
| Travelers |
|
Minimum Coverage |
A+ |
822 |
9.5 |
Instant Quote |
| Travelers |
|
Cheapest Overall |
A+ |
822 |
9.5 |
Instant Quote |
| Travelers |
|
Seniors |
A+ |
822 |
9.5 |
Instant Quote |
Our Methodology
My thorough approach examined all aspects of each insurer – from how they treat their customers, what products they offer, how they price their policies, and even how smooth their online experience is. On top of that, my vast experience as a licensed agent for 15+ years gave me priceless insights into the ups and downs of these insurers.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Best And Cheapest Car Insurance Companies In Pittsburgh, PA
Cheapest Overall
Key Statistics
Why We Like Them
⇅Travelers isn’t just the king of cheap car insurance rates in Pittsburgh; it also comes out on top of the customer service game. Sure, its overall satisfaction reputation is pretty average, but when it comes to complaints, they practically vanish into thin air.
Most insurers are not very transparent about premiums, leaving us scratching our heads about why some drivers pay more than others. Well, not Travelers! They play it fair and square, giving each factor its due consideration without going overboard on any of them. The result? Super competitive rates for all drivers.
Benefits & Drawbacks
⇅- Unbeatable rates for the majority of Pittsburgh drivers
- Exclusive discounts encompassing new vehicles, loyalty rewards, homeownership perks, and hybrid rides
- Supplementary coverage options like roadside assistance, accident forgiveness, new car replacement, and gap insurance ✓
- Absence of deductible adjustments or enhanced car replacement
- Regrettably, no rideshare insurance offerings accessible in Pennsylvania ✘
Rates For The Cheapest Car Insurance In Pittsburgh
| Insurance company | Monthly rate for full coverage |
| Travelers | $53 |
| Nationwide | $68 |
| State Farm | $70 |
| GEICO | $117 |
| Progressive | $142 |
Cheapest For Driving Violations
Key Statistics
Why We Like Them
⇅Pittsburgh’s traffic can be a real pain, and accidents and violations happen all too often. And guess what? Insurers love to hike up your rates when you get caught with a ticket, DUI, or an at-fault accident.
However, State Farm comes to the rescue with the best deal in Pittsburgh for drivers with violations and at-fault accidents. They’ve got the cheapest rates , plus, their car insurance policies are sold by the biggest sales force in the entire country. All these agents have offices right in your neighborhood. It’s like having a helping hand just around the corner!
Benefits & Drawbacks
⇅- Diverse array of discounts, embracing student and good driver incentives
- Offers comprehensive rideshare insurance for added peace of mind ✓
- Lacks accident forgiveness, new car replacement, gap insurance, deductible modification, or enhanced car replacement options
- Not equipped with distinctive coverages such as OEM replacement parts ✘
Rates For The Cheapest Car Insurance In Pittsburgh After A Violation
| Insurance company | Monthly rate after a DUI |
| State Farm | $73 |
| Allstate | $79 |
| Nationwide | $142 |
| Auto-Owners | $151 |
| Progressive | $176 |
Best For Full Coverage
Key Statistics
Why We Like Them
⇅While going for the bare minimum car insurance may seem tempting in Pittsburgh, if you own a newer car worth more than your annual premium, you should seriously consider getting full coverage. Travelers offers the most budget-friendly full coverage option in the city.
Travelers knows how to make your full coverage premium easier on your wallet. They offer great car insurance discounts like bundling, multi-car deals, rewards for good students and safe drivers, and even bonuses for going paperless. And hey, hybrid drivers, you may qualify for an alternative energy discount too.
Benefits & Drawbacks
⇅- Unbeatable rates for comprehensive coverage in Pittsburgh
- Boasts a track record of fewer complaints compared to the national average, as reported by the NAIC ✓
- Lacks a mobile app for convenient access
- Inability to secure coverage through online purchase channels ✘
Rates For The Cheapest Monthly Full Coverage Car Insurance In Pittsburgh
| Insurance company | Monthly rate for full coverage |
| Travelers | $54 |
| Nationwide | $62 |
| Auto-Owners | $67 |
| State Farm | $73 |
| Allstate | $82 |
Cheapest Minimum Coverage
Key Statistics
Why We Like Them
⇅Guess who takes home not one but two trophies for the cheapest car insurance in Pittsburgh? You got it – Travelers!
In some cases, it’s totally appropriate to go with the bare minimum required by Pennsylvania law ($15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000) . If you own an older car, or have no loans to worry about, and the vehicle’s value is lower than what a full coverage premium would cost, then sticking to minimum coverage might just do the trick. It’s all about finding what fits you best!
Benefits & Drawbacks
⇅- Unbeatable rates for full coverage in Pittsburgh
- Demonstrates a lower complaint frequency compared to the national average according to the NAIC ✓
- Absence of a dedicated mobile app for enhanced accessibility
- Inability to procure coverage conveniently through online purchasing avenues ✘
Rates For The Cheapest Minimum Car Insurance In Pittsburgh
| Insurance company | Monthly rate for minimum coverage |
| Travelers | $26 |
| State Farm | $29 |
| Nationwide | $32 |
| GEICO | $47 |
| Progressive | $52 |
Cheapest For Teens
Key Statistics
Why We Like Them
⇅If you’re in Pittsburgh and your teenager needs car insurance, going for a family policy is the way to go. Nationwide offers the best value, when you add your teen to your own car insurance policy.
For example, getting an individual plan for your teen with Nationwide would set you back a whopping $10,149 a year. However, If you add them to your own policy with Nationwide, the premium drops to a much more manageable $2,750 annually.
Benefits & Drawbacks
⇅- Provides a plethora of familiar discounts, including bundling, multi-car, good student, safe driver, anti-theft, paperless, and defensive driving incentives
- Presents an extra discount for opting for automatic payments
- Extends coverage with valuable add-ons such as mechanical breakdown assistance and identity theft protection ✓
- Absence of coverage options for new car replacement or enhanced replacement
- Does not offer discounts for upfront payment or installation of airbags ✘
Rates for the cheapest car insurance for teens in Pittsburgh
| Insurance company | Family Plan Annual Premium | Individual Plan Annual Premium |
| State Farm | $2,217 | $5,202 |
| Nationwide | $1,296 | $6,064 |
| Auto Owners | $1,637 | $7,329 |
| GEICO | $3,678 | $8,338 |
| Allstate | $2,016 | $8,733 |
Cheapest For Seniors
Key Statistics
Why We Like Them
⇅As the years go by, the cost of car insurance tends to climb up. For seniors living in the pricey city of Pittsburgh and those on a fixed income, finding affordable rates is a top priority. They’re always on the hunt for better deals and won’t hesitate to switch carriers if they spot a chance to save some hard-earned money.
Travelers once again proves to be a top option, offering the cheapest coverage for the growing group of seniors. With over 10,000 Baby Boomers turning 65 every single day in America, they’re all fighting inflation and figuring out how to make the most of their retirement income. But hey, Travelers is right there with them, making car insurance affordable and hassle-free.
Benefits & Drawbacks
⇅- Unbeatable rates tailored for seniors
- Impressive variety of discounts available
- Wide array of coverage options and supplementary features ✓
- Rates are bound to rise as drivers advance into their 70s and 80s ✘
Rates For The Cheapest Car Insurance In Pittsburgh For Seniors
| Insurance company | Monthly rate for full coverage for seniors |
| State Farm | $62 |
| Allstate | $69 |
| Chubb | $94 |
| GEICO | $114 |
| Progressive | $137 |
Average Cost Of Car Insurance In Pittsburgh
This is the average cost of car insurance in Pittsburgh across several categories:
Average Cost In Pittsburgh – By Age
| Age group | Average 6 month premium for full coverage |
| Teens | $1,021 |
| 20s | $282 |
| 30s | $240 |
| 40s | $234 |
| 50s | $222 |
| 60s | $252 |
| 70s | $260 |
Average Cost In Pittsburgh – By Marital Status
| Marital Status | Average annual rate |
| Single | $972 |
| Married | $954 |
| Divorced | $1,005 |
| Widowed | $1,004 |
Average Cost In Pittsburgh – By Gender
| Driver’s gender | Avearge annual cost |
| Female | $1,631 |
| Male | $1,634 |
| Difference | $3 |
Average Cost In Pittsburgh – By Accident And Violation History
| Violation | Average yearly rate |
| DWI/DUI | $2,518 |
| Speeding | $1,605 |
| At-fault accident | $1,572 |
Average Cost In Pittsburgh – By Credit Tier
| Credit Tier | Average annual rate |
| Very Poor (300-579) | $2,599 |
| Fair (580-669) | $2,175 |
| Good (670-739) | $1,802 |
| Very Good (740-799) | $1,474 |
| Exceptional (800-850) | $1,211 |
Minimum Car Insurance Requirements In Pittsburgh
Pittsburgh’s got some basic rules when it comes to liability insurance, folks:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for damage to property
Liability insurance only helps out someone else if you’re at fault – it covers their personal or property damage. But if you want that extra layer of protection for yourself, go for full coverage.
How To Buy Car Insurance In Pittsburgh
Each car insurance company’s got something special to offer, tailored to your needs. However, one company might shine brighter than the rest, based on your unique situation.
For seniors, Travelers could be the way to go, because they’ve got low rates just for you. But if you’re a fresh-faced 17-year-old, Nationwide might be the perfect match, with its focus on young drivers.
Now, before you pick your perfect match, ask yourself these five questions:
- How’s the company’s financial rating?
- Do they offer the coverage you really need?
- Do you prefer having a local agent or going online for help?
- Are their rates competitive for your age group?
- And hey, are most online reviews saying good things?
And here’s a little reminder – what works best for you now might change later on. So, make sure to compare rates and coverage every six or twelve months when your policy’s up for renewal.
Factors That Impact The Cost Of Your Car Insurance Policy In Pittsburgh
Car insurance rates here, like everywhere else, are shaped by some key factors. Let me break it down for you:
Age: Yep, your age plays a big role – rates can swing up to 367% based on how old you are.
Car make and model: Your wheels matter too! Some vehicles are easier on your wallet to insure. For example, trucks are about 3% cheaper to insure compared to sedans, on average.
High-risk violations: Uh-oh, traffic violations and accidents can really bump up your costs. You might see a hike anywhere from 20% to a whopping 200%!
Yearly mileage: How much you hit the road matters! The more you drive, the more chance of accidents, which can impact your rates.
Zip code: Yep, even your zip code can sway your rates – location matters!
Marital status: Married drivers get a sweet deal, ’cause they’re statistically considered low-risk. So, they enjoy lower premiums.
Pittsburgh Car Insurance Laws To Know
The rules for auto insurance in our city are pretty straightforward and no-nonsense. Here’s the deal – every driver in Pittsburgh must get at least the minimum amount of car insurance required by the state. And guess what? You’ve got to have proof of coverage with you whenever you hit the road. It’s all about staying legal and protected out there, folks!
In The News
As shootings continue, people are dealing with the aftermath of bullet damage to their cars (October 2021). And guess what? It’s hitting hard, especially for those already struggling to make ends meet. With more than a quarter of residents living below the poverty rate and many just making it from one paycheck to another, this adds serious financial strain.
Car Insurance Discounts In Pittsburgh
Almost all car insurance companies here offer cool discounts that could save you some serious cash. Check out these qualifiers:
- Safety equipment rocks! Things like airbags, anti-lock brakes, daytime running lights, or an anti-theft system can score you a discount.
- Got a ride that’s three years old or newer? Boom! You’re eligible for savings.
- Drive safe and accident-free for five years? You’re a champ, and it means more savings for you.
- Buckle up! Using seat belts isn’t just smart, it’s also a ticket to a discount.
- Want to improve your skills? Completing a defensive driving course could save you some bucks.
- Students, listen up! Good grades could also earn you some sweet savings.
- More wheels, more savings! Insure more than one vehicle, and you’re in for a treat.
- Want to bundle up? Combining homeowners, renters, condo, or mobile home insurance with car insurance gets you some nice discounts.
- Calling all military members! Active-duty or retired, you’re in for a special discount.
Looking For Car Insurance In Other Cities In Pennsylvania?
FAQs
Why is Pennsylvania car insurance so high?
Several factors drive up car insurance rates in Pennsylvania, including the number of uninsured drivers on the road and the weather risks drivers face, such as snow, ice, and intense rain storms.
How much is car insurance in Pennsylvania a month?
In Pennsylvania, the average cost of car insurance sits at $1,671 per year.
Which company offers the cheapest car insurance?
When it comes to car insurance, Travelers takes the crown for being the overall cheapest in town.
