Best Pittsburgh, PA Auto Insurance in 2024
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Nov 13, 2024
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Are you looking for cheap auto insurance in Pittsburgh, PA? From AutoInsuranceEZ.com, you will discover the lowest priced insurance rates near your home. To receive these free car insurance estimates from the top rated providers immediately, input your postal code directly into the quote box in this posting.
The early days of Pittsburgh were marked with a huge manufacturing boom, hence earning it nicknames such as “the smoky city”. However, modernization projects and stiffer environmental protection laws have helped to clean and beautify the city. Currently, Pittsburgh is enjoying a technological surge and the city’s many miles of riverfront attractions draw a decent amount of tourists each year.
- Fun fact: Pittsburgh is a city full of fixer-uppers (it was placed #15 on the general list of “Top 100 cities with oldest houses (pop. 50,000+)”. Interested in learning more about Pittsburgh? Click here!
Auto Insurance Coverage Requirements in Pennsylvania
Driving legally in Pittsburgh requires:
| Coverage | Requirements | Most Common |
| Bodily Injury Liability | 15,000/30,000 | 100,000/300,000 |
| Property Damage Liability | 5,000 | 50,000 |
| Uninsured Motorist Bodily Injury | Not required | 100,000/300,000 |
| Medical Payments | 5,000 | 5,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 100 deductible |
The medical payments coverage protects you in the event that you or someone you get into an accident with sustains an injury which requires medical treatment. Liability coverage, which is a common requirement in all states, pays out claims if the accident was deemed your fault.
In Pennsylvania, there are a lot of drivers right now who might be paying as high as $120 each month, because that’s the state average. But lucky drivers in Pittsburgh can take advantage of great deals right now for a low rate of $38/mo*!
In the chart above, Cal Casualty has the lowest rates, while Allied and State Auto are tied for second lowest. But is a low rate all you need? Or do you want a company with customer service excellence and expert claims processing? The low quote doesn’t tell you how well your provider will perform for you, it just lets you know about your financial obligation.
Auto insurance carriers consider numerous elements when establishing insurance rates, particularly driving experience, geography, type of vehicle owned, miles driven each year, and theft protection devices. Furthermore, premiums differ amongst different companies. To verify you’re still being charged the best premium, look at cheap Philadelphia auto insurance costs via the internet.
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Major Car Insurance Factors in Pittsburgh
There are lots of ways your car insurance rate might be estimated. But not all of it is out of your control; there are steps you can take so that you can impact which discounts you are entitled to receive. Listed below are some of these components in greater detail:
Your Zip Code
Your auto insurance rates could vary based on the place you live. Usually, populous areas have increased auto insurance rates because the extra amount of motorists on the highway increases the chance of a collision! The total population of Pittsburgh amounts to 305,841 plus the general household income usually amounts to $42,004.
Automotive Accidents
In areas where serious accidents are common, local insurance providers are highly likely to charge higher premiums. The statistics for accidents in Pittsburg are in the chart below. If those numbers make you uncomfortable, discuss them with your insurance agent. You might qualify for a Safe Driver discount!
Auto Thefts in Pittsburgh
Many insurance agencies are worried when it comes to auto theft; this runs specifically true for drivers who reside in large towns and cities. The larger the population, the greater the probability that you might have to file an auto burglary claim. As recently as 2013, there were 616 stolen cars in Pittsburgh. The statistics are getting better, but they’re still high enough that you might want to consider carrying Comprehensive coverage.
Your Credit Score
Most insurance providers in most states will charge radically different rates between those with excellent and those with poor credit. Some of the worst offenders in Pittsburg are Mercury, who charges more than three times as much for driving with poor credit, and State Auto, who will likely refuse to offer you any coverage at all.
Your Age
Another high risk group that tends to see higher insurance rates are young drivers. The younger you are, the higher your rates will be, and there sometimes isn’t much you can do about it (other than get good grades and take driving education courses, that is).
Your Driving Record
Some driving violations will cost you more than others (for example, in the chart below, DUIs are much more expensive than any other violation). You might even qualify for an Accident Forgiveness if you have a less conspicuous violation.
Your Vehicle
Insurance rate calculation, when you boil it down, is actually very simple: the more it will cost the company to repair or replace your vehicle, the more it will cost you to maintain insurance coverage. Which is why an expensive vehicle, like a Porsche, will cost more to cover than a used Ford Focus.
Minor Car Insurance Factors in Pittsburgh
The following can also have an influence on what you pay each month:
Your Marital Status
Are you part of a married couple? Then as your spouse if they would be willing to bundle your auto policies together (if you aren’t doing so already, that is). Bundling gets great discounts because it gives your insurance provider more business.
Your Gender
Worried about getting ridiculous rates for being a certain gender? Well, don’t lose too much sleep over it. Automotive insurers are actually very undecided about what to charge men and women based on gender alone, and are very inconsistent in determining an industry standard.
Your Driving Distance to Work
13-21 minute commute times are about the average for most Pittsburgh residents, but some traffic snarls can leave motorists on the road for up to 31 minutes at a time. Around 54% of commuters use their own automobile by themselves, while nearly 20% alternatively take the bus. 3-11% will either walk or carpool.
Did you know that insuring your vehicle for business will raise your rates by anywhere from 10-12%? Also, the discounts for driving fewer miles each year aren’t very substantial. For example, a 5,000-mile decrease might only get you 2-3% less in premiums.
Your Coverage and Deductibles
Adjusting your deductible could also help you pay less for your insurance. But you might want to save up a little money before you make such a change. After all, raising your deductible to a high price without having a little saved up first will put you in a tough spot if anything happens to your vehicle.
Education in Pittsburgh, PA
Just under 33% (or one-third) of Pittsburgh dwellers have earned a high school diploma (or another similar equivalent). Around 19% have not yet passed through all four years of their high school education. But education is important, especially when it comes to auto insurance. Did you know that higher degrees earn drivers higher discounts on their auto insurance policies?
The University of Pittsburgh is one of the largest and oldest four-year institutions within the state. It offers students almost 120 different majors to choose from, a top-notch medical school, and a breathtaking campus stretching across more than 100 acres of land. Carnegie Mellon University is also internationally famous for its award-winning business school. But if you’re looking for a quality education in half the time, the Community College of Allegheny County has plenty to offer their students.
Finding affordable car insurance may end up being a headache. There’s lots of important information to consider, and figuring out precisely how insurance companies examine your probable risk can be complex. But try not to permit the wrong insurance agency to convince you to purchase a bad policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Sources:
Pennsylvania Insurance Department
The Philadelphia Courts – Office of Financial Services
Department of Highway Safety and Motor Vehicles
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