Car Insurance in Pittsburgh

Westfield Insurance provides the lowest rates with $235 per year for minimum coverage, running 60% under the city average of $589. Erie Insurance and Donegal Insurance offer alternatives at $363 and $435 annually for minimum coverage.

The presence of competitive regional insurers alongside national carriers creates a diverse market. Shopping around reveals significant opportunities for savings.

Pittsburgh's mix of regional and national carriers gives drivers diverse options at competitive prices.

Young drivers pay $468 annually with Westfield Insurance for minimum coverage, moderately higher than adult rates. Adult drivers from Westfield Insurance secure excellent rates at $235 per year.

Senior drivers from Nationwide pay $547 annually, about 133% more than adults with Westfield. The split in best carriers across age groups means Pittsburgh drivers benefit from comparing quotes specific to their demographic.

Different carriers win for different age groups, making demographic-specific shopping essential.

Westfield and Erie offer the most affordable car insurance rates for young drivers in Pittsburgh, with monthly premiums starting at $39 and $63, respectively.

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.

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.

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)

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.

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.

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.

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.

Erie Insurance and Travelers both deliver strong value in Pittsburgh's market. Erie Insurance leads with a MoneyGeek score of 98 out of 100, offering outstanding customer satisfaction with a perfect 5-star customer experience rating and competitive rates.

Travelers brings excellent customer experience scores with a MoneyGeek score of 96 out of 100, minimal complaints and comprehensive coverage options. Travelers excels in claims handling and personalized service, making it ideal for drivers valuing responsive support.

Both companies maintain exceptional service standards while keeping premiums competitive

Car insurance in Pittsburgh costs an average of $589 per year for minimum coverage and $1,442 per year for full coverage. These rates sit slightly below the Pennsylvania state average of $600 for minimum coverage.

Westfield Insurance offers exceptionally low rates at $235 for minimum coverage. Pittsburgh drivers enjoy relatively moderate premiums compared to other Pennsylvania cities, particularly Philadelphia.

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.

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.

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.

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.

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.