Car insurance in Pittsburgh costs an average of $973 per year, which is cheaper than the state average. At an average of $661 annually, the cheapest insurer is Erie. MoneyGeek ranked the cheapest companies across different coverage levels and driver profiles. For those looking for a balance of affordability and quality, MoneyGeek ranked the best insurance companies in Pittsburgh.
Compare the Cheapest Car Insurance Quotes in Pittsburgh, PA
The Cheapest and Best Car Insurance in Pittsburgh
The Cheapest Car Insurance Companies in Pittsburgh
In Pittsburgh, the insurers with the most affordable average rates for a full coverage policy are:
- Erie: $661 annually
- USAA: $694 annually (only available to current and former military)
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.
For this study, MoneyGeek collected average insurance rates in Pittsburgh based on a sample 40-year-old male driver with a full coverage policy, including both liability and comprehensive and collision coverage.
Average Cost of Car Insurance in Pittsburgh
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.
The Best Car Insurance Companies in Pittsburgh
If you are a Pittsburgh driver looking for an insurer that balances affordability and quality, MoneyGeek ranked the best insurance companies in the city. According to MoneyGeek’s data, the best insurance providers in Pittsburgh for most drivers are:
- New Jersey Manufacturers (NJM): MoneyGeek score 98 out of 100
- GEICO: MoneyGeek score 93 out of 100
USAA received the highest score in Pittsburgh by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate the scores out of 100, MoneyGeek used several factors, including J.D. Power user satisfaction, financial stability and affordability.
Personalized Quotes to Get You the Cheapest Car Insurance in Pittsburgh
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.
Shopping around for car insurance in Pittsburgh could save you $311, which is enough to buy:
Cheapest Car Insurance in Pittsburgh by Coverage Amount
In Pittsburgh as well as elsewhere, one of the factors that influence your price for car insurance is the coverage level. For example, a state minimum liability policy in Pittsburgh costs $497 on average, while a full coverage policy with higher liability limits costs an average of $973. That is a $476 difference.
Pennsylvania Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
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.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Pittsburgh if You Have Driving Violations
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
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.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Pittsburgh
Factors That Impact Insurance Costs in Pittsburgh
In 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.
Methodology and Assumptions
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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