In Pittsburgh, Westfield offers the lowest minimum coverage rate at $235 per year, while Donegal provides the most affordable full coverage at $904 annually. Other budget-friendly insurers in the city include Erie, Travelers and Nationwide.
Car Insurance in Pittsburgh
Updated: August 15, 2025
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Key Takeaways
Pittsburgh's cheapest car insurance companies are Donegal, Erie and Travelers, with savings up to 36% compared to the city average.
Monthly car insurance costs in Pittsburgh average $120 for full coverage and $49 for minimum coverage.
To find the best cheap auto insurance in Pittsburgh, compare quotes from multiple sources and choose the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Pittsburgh?
| Donegal | $36 | $75 | -36% |
| Erie | $30 | $85 | -34% |
| Travelers | $35 | $80 | -34% |
| Westfield | $20 | $99 | -32% |
| Nationwide | $36 | $84 | -31% |
Compare the Cheapest Pittsburgh Car Insurance for You
Your car insurance rate depends on your driving history and personal details, not just where you live. Check the table below to find the cheapest insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Nationwide | $84 | $1,003 | -46% |
| Erie | $96 | $1,153 | -38% |
| Travelers | $102 | $1,228 | -34% |
| Donegal | $104 | $1,249 | -32% |
| State Farm | $117 | $1,407 | -24% |
Cheapest Car Insurance by Age Group in Pittsburgh
Car insurance prices vary significantly by age in Pittsburgh. Based on our analysis of local providers, here's who offers the lowest rates for each age group:
- Cheapest Car Insurance for Young Drivers (16 to 25): Westfield (from $39 per month)
- Cheapest Car Insurance for Adults (26 to 64): Westfield (from $20 per month)
- Cheapest Car Insurance for Seniors (65+): Westfield (from $28 per month)
Cheapest Car Insurance for Young Drivers in Pittsburgh
Westfield and Erie offer the most affordable car insurance rates for young drivers in Pittsburgh, with monthly premiums starting at $39 and $63, respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Westfield Insurance | $39 | $468 | -68% |
| Erie Insurance | $63 | $751 | -49% |
| Travelers | $75 | $904 | -38% |
| Donegal Insurance | $83 | $990 | -33% |
| State Farm | $88 | $1,050 | -29% |
Cheapest Car Insurance for Adult Drivers in Pittsburgh
In Pittsburgh, Westfield provides the lowest rates for adult drivers (26 to 64), saving drivers around 62% on average. Erie, Travelers and Nationwide are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Westfield Insurance | $20 | $235 | -62% |
| Erie Insurance | $30 | $363 | -41% |
| Travelers | $35 | $423 | -31% |
| Nationwide | $36 | $434 | -29% |
| Donegal Insurance | $36 | $435 | -29% |
Cheapest Car Insurance for Senior Drivers in Pittsburgh
For seniors in Pittsburgh, Westfield offers the most affordable car insurance options. The minimum coverage starts at $28 per month. Nationwide offers the cheapest full coverage at $90 per month.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Westfield Insurance | $28 | $337 | -57% |
| Erie Insurance | $42 | $501 | -37% |
| Donegal Insurance | $42 | $507 | -36% |
| Nationwide | $46 | $547 | -31% |
| Chubb | $48 | $577 | -27% |
Cheapest Car Insurance for High-Risk Drivers in Pittsburgh
If you're a high-risk driver in Pittsburgh, these insurance companies offer the lowest rates based on your situation:
- Cheapest for Bad Credit: Westfield (from $44 per month)
- Cheapest With a DUI: State Farm (from $41 per month)
- Cheapest With an Accident: Westfield (from $25 per month)
- Cheapest With a Speeding Ticket: Westfield (from $21 per month)
Cheapest Car Insurance for Bad Credit in Pittsburgh
Westfield offers Pittsburgh's cheapest car insurance for drivers with bad credit. Monthly rates start at $44 for minimum coverage and Erie provides the cheapest full coverage at $150 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Westfield Insurance | $44 | $533 | -60% |
| Erie Insurance | $60 | $717 | -46% |
| Nationwide | $76 | $917 | -32% |
| Geico | $82 | $988 | -26% |
| Chubb | $101 | $1,213 | -9% |
Cheapest Car Insurance With a DUI in Pittsburgh
State Farm and Travelers offer the most affordable car insurance rates for Pittsburgh drivers with a DUI. These providers charge up to 63% less than average for minimum coverage and 56% less for full coverage policies.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $41 | $492 | -60% |
| Travelers | $47 | $559 | -55% |
| Erie Insurance | $65 | $777 | -37% |
| Allstate | $73 | $870 | -30% |
| Donegal Insurance | $88 | $1,054 | -15% |
Cheapest Car Insurance With an Accident in Pittsburgh
Drivers in Pittsburgh with an accident record can find the lowest rates with Westfield, starting at $25 per month, about 59% less than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Westfield Insurance | $25 | $298 | -59% |
| Erie Insurance | $34 | $413 | -44% |
| Nationwide | $36 | $434 | -41% |
| Chubb | $37 | $449 | -39% |
| State Farm | $38 | $454 | -38% |
Cheapest Car Insurance With a Speeding Ticket in Pittsburgh
Pittsburgh drivers with speeding tickets can find affordable coverage through different insurers depending on their coverage needs. Westfield offers the cheapest minimum liability coverage at $21 per month, while Donegal provides the most affordable full coverage policy at $94 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Westfield Insurance | $21 | $257 | -65% |
| Erie Insurance | $34 | $413 | -44% |
| Donegal Insurance | $36 | $435 | -41% |
| State Farm | $41 | $492 | -33% |
| Travelers | $42 | $499 | -32% |
Best Car Insurance Companies in Pittsburgh
In Pittsburgh, the leading car insurance providers are Erie, Travelers, Chubb and Nationwide. These companies excel in providing affordable rates, quality customer service and comprehensive coverage options.
| Erie | 98 | 2 | 1 | 3 |
| Travelers | 96 | 3 | 2 | 5 |
| Chubb | 89 | 7 | 3 | 6 |
| Nationwide | 89 | 5 | 7 | 5 |
| Westfield | 86 | 4 | 9 | 7 |
Erie: Best Overall
pros
2nd most affordable rates in Pittsburgh
Best customer experience overall
Unique rate-locking add-on
cons
Slightly more expensive for full coverage
COMPANY HIGHLIGHTS
Erie delivers exceptional customer service in Pittsburgh, ranking among the nation's top providers for agent service and earning very positive sentiment on platforms like Reddit. Most customers save an average of 34% on their premiums with the company. Erie also offers their exclusive Rate-Lock feature, which protects those low rates from future increases, a signature add-on unavailable with other insurers.
How Much Is Car Insurance in Pittsburgh?
In Pittsburgh, minimum coverage costs $49 per month or $589 per year, ranking 1,423rd out of all Pennsylvania cities for affordability. Full coverage averages $120 monthly or $1,442 annually, ranking 1,411th among Pennsylvania cities.
| Full Coverage | $120 | $1,442 |
| Minimum Coverage | $49 | $589 |
Compare Personalized Pittsburgh Car Insurance Costs
While average rates by ZIP code and coverage type are helpful, use the table below to find Pittsburgh car insurance rates that match your age, driving record and other key factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $140 | $1,682 | 2% |
Pittsburgh Car Insurance Costs by ZIP Code
In Pittsburgh, car insurance rates by ZIP code range from $45 to $146 per month. ZIP code 15221 is the most expensive, while 15205 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:15205
| 15205 | $45 | $111 |
How to Get The Best Cheap Pittsburgh Car Insurance
Finding affordable car insurance in Pittsburgh isn't easy with the city's high rates, but you can lower your costs with the right approach. Here's your step-by-step guide to getting cheaper coverage without sacrificing protection.
- 1
Know your coverage requirements
Start by understanding Pennsylvania's minimum insurance requirements and your needs. Use our car insurance coverage needs calculator to determine appropriate coverage levels. When deciding on how much coverage you need, consider Pittsburgh's weather conditions and urban traffic.
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Explore alternative insurance options
Beyond standard types of car insurance, consider specialized options like pay-per-mile coverage if you don't drive much, or non-owner insurance if you occasionally borrow cars.
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Check local average costs
Research average vehicle insurance costs in Pittsburgh to set realistic expectations. Understanding typical rates for your neighborhood helps identify genuinely competitive quotes and potential overcharging.
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Stack available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
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Research insurer reliability
Investigate insurance companies' reputation for claims handling in Pittsburgh. Check customer reviews specific to the local area and ensure they have strong financial ratings for long-term stability.
- 6
Get quotes from multiple providers
Contact at least three different insurance providers for quotes. Include both national carriers and regional insurers serving Pittsburgh. Compare identical coverage levels to ensure you're making fair comparisons.
- 7
Review coverage annually
Set a yearly reminder to review your policy. Pittsburgh insurance rates can change based on local factors, and your personal circumstances may shift. Regular reviews ensure you maintain optimal coverage at the best price.
Cheapest Car Insurance in Pittsburgh: Bottom Line
Car insurance rates vary based on your driving history, credit and coverage needs. In Pittsburgh, Donegal and Erie offer the most affordable average premiums, but compare quotes from multiple providers to find your best rate.
Cheap Pittsburgh Car Insurance: FAQ
Looking for affordable car insurance in Pittsburgh? Our experts provide clear answers about coverage options and costs to help you find the right policy at the best price.
What is the cheapest car insurance company in Pittsburgh, Pennsylvania?
Westfield Insurance offers minimum coverage at $235 annually in Pittsburgh, while Donegal Insurance provides full coverage at $904. Rates vary by personal factors, so compare quotes from multiple insurers.
Who offers the best car insurance in Pittsburgh?
Erie Insurance leads Pittsburgh's car insurance providers with a MoneyGeek score of 98 out of 100, scoring two points above Travelers. Erie combines excellent affordability with outstanding customer service.
What is the average cost of car insurance in Pittsburgh?
In Pittsburgh, drivers pay $1,442 annually for full coverage and $589 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Is car insurance in Pittsburgh expensive?
Car insurance in Pittsburgh costs more than average, ranking 1,423rd for minimum coverage affordability and 1,411th for full coverage compared to other Pennsylvania cities.
How We Chose the Best and Cheapest Car Insurance in Pittsburgh, PA
To help Pittsburgh drivers find the most affordable auto insurance companies, MoneyGeek analyzed Pittsburgh auto insurance rates based on data and information from the Pennsylvania Insurance Department and Quadrant Information Services. We studied all ZIP codes in Pittsburgh and hundreds of thousands of quotes for 12 companies offering auto insurance in Pennsylvania to tailor options as closely as possible to you.
Pittsburgh Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Pittsburgh with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Pittsburgh
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Pennsylvania are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Pittsburgh based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.