Best Car Insurance Companies in Pittsburgh, PA

The best insurance company will depend on your driver profile and needs. In Pittsburgh, Chubb is known for its exceptional customer service and is best for seniors. Auto-Owners Insurance offers the best cheap insurance and is a great option for young adults. Travelers is ideal for teens and those with new cars, while Erie is best for drivers with offenses.

If saving money is your priority, MoneyGeek also found the cheapest auto insurers in Pittsburgh.

The following providers offer the best auto insurance in Pittsburgh:

• Erie: MoneyGeek score of 82 out of 100 ($700 per year)
• Auto-Owners Insurance: MoneyGeek score of 81 out of 100 ($646 per year)

Because of its excellent client satisfaction and affordability ratings, Erie is our top pick out of the 11 providers we rated. It provides high-quality service at an accessible price point. Erie is also the top auto insurance provider in Pennsylvania as a whole.

With a MoneyGeek ranking of 81 out of 100, USAA is one of Pittsburgh's top providers for military members.

Erie is our top pick out of the 11 insurance companies we analyzed in Pittsburgh, Pennsylvania. With annual average premiums of $700, it offers the fourth-cheapest rates and the second-best customer service overall. Although its policies are affordable, they’re $136 more expensive on average than Travelers, the cheapest option.

These rates are for full coverage insurance policies. MoneyGeek only scores companies with enough data for each component, such as affordability, stability and claims management.

Without weighing cost, the top car insurance providers in Pittsburgh for customer service are:

• Chubb: MoneyGeek score of 76 out of 100 ($1,313 per year)
• Erie: MoneyGeek score of 70 out of 100 ($700 per year)

Chubb received the second-highest customer satisfaction rating and the highest claims management rating. However, we found that Chubb’s auto insurance premiums are more expensive than other providers.

Insurance providers that offer efficient claims processing and are quick to respond to policyholders' concerns are highly valued.

Chubb gets high claims management and customer service ratings, making it our preferred option. However, it scores slightly lower in customer satisfaction than Auto-Owners Insurance, which is less expensive. Despite the cost advantage, Auto-Owners Insurance does not match Chubb's level of claims management.

MoneyGeek assessed car insurance providers, considering both affordability and service quality. We found that the top options for the mandatory minimum coverage required in Pennsylvania are:

• Auto-Owners Insurance: MoneyGeek score of 84 out of 100 ($257 per year)
• Erie: MoneyGeek score of 84 out of 100 ($259 per year)

While minimum coverage policies are typically the most cost-effective, they may not provide sufficient liability coverage. It's worth noting that these policies generally do not cover damages to your own vehicle. Keep in mind that the minimum car insurance requirements in Pennsylvania apply across all cities, including Pittsburgh.

The best insurance companies offering minimum coverage policies should provide affordable rates while maintaining high levels of customer service. Auto-Owners Insurance stands out as our top pick by offering both.

American National, on the other hand, has the highest customer satisfaction rating. However, its claims management ratings are not up to par.

The top auto insurance providers for young adults in Pittsburgh are:

• Auto-Owners Insurance: MoneyGeek score of 83 out of 100 ($645 per year)
• Erie: MoneyGeek score of 82 out of 100 ($700 per year)

Auto-Owners Insurance received excellent ratings for affordability and has many basic coverage options, allowing policyholders to tailor their policies to their needs without paying high premiums. MoneyGeek also reviewed the top car insurance options for young drivers to help you find the best option for your needs.

Young adults should look for a company that offers cheap rates and excellent claims management. Auto-Owners Insurance is a great choice since it has affordable policies, excellent customer service and provides many discount opportunities.

While Travelers may have lower rates, it falls short in claims management, which can cause young drivers significant inconvenience and stress.

If you're looking to add a 16-year-old to your family car insurance policy in Pittsburgh, these are the best companies to consider:

• Travelers: MoneyGeek score of 76 out of 100 ($1,492 per year)
• Auto-Owners Insurance: MoneyGeek score of 75 out of 100 ($1,631 per year)

Compared to the insurers in our study, Travelers offers the cheapest rates and broad coverage options, making it excellent value for your money. Generally, car insurance for teenage drivers is more expensive, but Pittsburgh teens can save an average of $2,023 per year by joining their parent's existing policy instead of buying their own. We've identified the best car insurance options for teens to help you make an informed decision.

When looking for car insurance providers for teenage drivers, it's important to consider factors like affordability, quality of service and availability of teen-specific discounts. Travelers stands out as the best choice for teen drivers for its affordable rates and range of student discounts. Meanwhile, Auto-Owners Insurance is a great runner-up option for teen drivers who prioritize superior claims management and are willing to pay a slightly higher premium.

The top auto insurance providers in Pittsburgh for seniors are:

• Chubb: MoneyGeek score of 81 out of 100 ($1,059 per year)
• Erie: MoneyGeek score of 81 out of 100 ($718 per year)

Chubb is the best car insurance for seniors in Pittsburgh. It scored highest for claims management and second highest for customer satisfaction. Although drivers in their 60s pay similar rates to those in their 30s, 40s and 50s, premiums can be more expensive for those in their 70s. If saving money is your priority, consider shopping around for affordable car insurance for seniors in Pittsburgh.

When choosing an insurance company, seniors should look for policies that offer tailored coverage and beneficial add-ons. Despite having higher premiums than the runner-up, Erie, Chubb's impressive performance in claims management and customer satisfaction indicates seniors will receive quick compensation, minimizing financial strain. Seniors should also take note of Chubb's add-on options, such as OEM coverage and no per-day limit on rental reimbursement.

If you have driving offenses on your driving record in Pittsburgh, these are the top car insurance providers:

• Erie: MoneyGeek score of 79 out of 100 ($1,234 per year)
• American National: MoneyGeek score of 78 out of 100 ($1,271 per year)

Erie is our top pick for drivers with violations. It ties in third place in terms of customer satisfaction, and it has the fourth-cheapest rates overall. Keep in mind that rates will vary depending on the severity of the offense. Drivers in Pittsburgh with a speeding ticket or DUI can expect to pay an extra $265 or $805, respectively, compared to a driver with a clean record. While it's true that car insurance rates are generally higher for drivers with violations, you can still find cheap car insurance for drivers with poor records.

Drivers with violations typically pay higher car insurance rates. Erie offers tailored coverage options, including better car replacement and first accident forgiveness, at an affordable price. These features can help reduce the financial burden on high-risk drivers. American National is the runner-up insurance and may offer cheaper rates for high-risk drivers but scores lower in financial stability.

Drivers with a new car can find the best auto insurance in Pittsburgh from the following providers:

• Travelers: MoneyGeek score of 76 out of 100 ($601 per year)
• Allstate: MoneyGeek score of 43 out of 100 ($1,251 per year)

Travelers is the best insurance option for new car owners in Pittsburgh, according to rankings based on affordability and service quality for Pennsylvania drivers with a 2022 model car. The rankings only included insurers offering better or new car replacement coverage, which pays for the cost of a brand-new car if yours is totaled. In addition to providing affordable rates, Travelers also offers above-average customer satisfaction.

Insurance policies for drivers with new cars should include new or better car replacement coverage, which ensures that the policyholder receives a new vehicle in the event of a total loss. Travelers offers affordable policies and new car replacement coverage for up to five years. Allstate has higher customer satisfaction rates, but its premiums are almost twice as high as those of Travelers.

Here are some of the most common questions people have when searching for car insurance in Pittsburgh to help you make an informed decision.