Your location directly impacts how much you will have to pay for car insurance. Pittsburgh, for example, has reasonable traffic compared to other big cities like Philadelphia, New York City and Boston.
Having less traffic than bigger cities makes Pittsburgh an inexpensive city for auto coverage. Drivers looking for the best auto insurance rates in the city should regularly ask for car insurance quotes in Pittsburgh as they vary depending on individual circumstances.
When it comes to the average annual cost of car insurance, Pittsburgh is rather inexpensive compared to bigger cities. With a $973 average annual premium, Pittsburgh is much more affordable compared to Philadelphia, which averages $2,134 annually.
Pittsburgh’s average auto insurance cost is 46.5% lower than the state average and 31.7% lower than the national average. Take note that these figures are just the average projected costs, and your premium may vary according to other factors. Drivers who are ready to save on auto insurance should regularly get personalized quotes to compare rates and find the plan that meets their needs.
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Each auto insurance company in the city offers different rates based on specific factors. Erie Insurance has the lowest average annual premium in the city at $661. In contrast, the most expensive car insurance company in Pittsburgh, MetLife, charges an average of $1,540 annually — that’s $879 higher than Erie Insurance's average.
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It is advised to compare personalized car insurance quotes in Pittsburgh because premiums differ from provider to provider. Rates are influenced by a person's age, ZIP code, car type and driving record, among other factors. For example, a young person who has a DUI will likely pay more than someone who is middle-aged and has a clean record. Get personalized quotes and check the rates regularly to find the best plan available.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
How much car insurance coverage you purchase in Pittsburgh also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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Each auto insurance company provides rates at different amounts. Erie offers state minimum liability coverage at an average of $281 annually. Should you decide to purchase full coverage, this premium may increase to around $647 annually.
In Pennsylvania, the required minimum liability is labeled as 15/30/5. This means that there is a minimum limit of $15,000 for bodily injury liability per person, up to $30,000 per vehicle. The last number means that there is property damage coverage amounting to $5,000.
Drivers can also get full-coverage policies with limits of 100/300/100. This means that the insurer will cover up to $100,000 for bodily injury per person, and $300,000 per vehicle, along with $100,000 for property damage.
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Car insurance companies in Pittsburgh will charge more if you have a driving violation on record.
With Travelers Insurance, the average annual premium without traffic violations is $750. But if you have been issued a speeding ticket in the past, the premium may go up to $1,237. If you have a DUI, then you will likely pay around $1,612 — that’s an $862 difference compared to someone with a clean record. Keep your record clean and prevent DUIs by following safe-driving guidelines.
The location where you reside impacts how much you pay for your car insurance. For example, if you live in a part of the city where accidents and car theft are rampant, insurers will tag you as high-risk and charge you more.
The ZIP code with the lowest average car insurance rate in Pittsburgh is 15237, at $920 annually. The most expensive would be ZIP code 15221, at $1,009 per year — that’s $89 higher than 15237.
top ratedCar Insurance agentsPittsburgh2021In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the rate of car thefts also contribute to car insurance rates in Pittsburgh. How Pittsburgh ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
MoneyGeek’s average premium rates for Pittsburgh are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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