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The most affordable insurer for you will depend on your profile and needs. Erie offers the city’s cheapest minimum coverage policy. For a full coverage policy, the cheapest company in Pittsburgh is Travelers. It’s also the most affordable option for young adults, sports cars, seniors, drivers with a military background and individuals with a DUI or an at-fault accident on record. Auto-Owners has the lowest rate for those with speeding tickets. Teen drivers and those with poor credit may find the lowest premium from Nationwide.

Cost is only one of the factors to consider when evaluating car insurance options. MoneyGeek also found the best car insurance in Pittsburgh for drivers who want to balance affordability and service quality.

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2023

Cheapest Car Insurance in Pittsburgh, PA

Cheapest Minimum Coverage Car Insurance in Pittsburgh

The most affordable auto insurance companies in Pittsburgh for a minimum coverage policy are:

  • Erie: $257 per year
  • Auto-Owners: $259 per year

Dairyland has an average annual rate of $1,176, making it the most expensive insurer in the city. Location affects car insurance rates, so the cheapest company may vary per city. On a statewide basis, the cheapest car insurance in Pennsylvania is from Westfield, which has an average annual rate of $267 for minimum coverage as of October 2022.

Company
Annual Premium
Monthly Premium

Erie

$257

$21

Auto-Owners Insurance Co

$258

$22

Auto-Owners Insurance Co

$259

$22

State Farm

$261

$22

Erie

$264

$22

Travelers

$265

$22

Travelers

$268

$22

Travelers

$278

$23

State Farm

$284

$24

Auto-Owners Insurance Co

$292

$24

Westfield

$310

$26

Westfield

$312

$26

Erie

$322

$27

Chubb

$322

$27

Nationwide

$323

$27

State Farm

$330

$28

American National P&C

$337

$28

Nationwide

$358

$30

American National P&C

$360

$30

American National P&C

$381

$32

Chubb

$399

$33

Westfield

$409

$34

Allstate

$409

$34

Allstate

$430

$36

Nationwide

$438

$37

GEICO

$466

$39

GEICO

$472

$39

Progressive

$528

$44

Progressive

$528

$44

Travelers

$536

$45

Allstate

$538

$45

Chubb

$564

$47

Travelers

$564

$47

GEICO

$575

$48

Nationwide

$579

$48

Auto-Owners Insurance Co

$615

$51

Progressive

$621

$52

Travelers

$627

$52

Auto-Owners Insurance Co

$645

$54

Nationwide

$669

$56

State Farm

$678

$57

Erie

$700

$58

Erie

$718

$60

Allstate

$722

$60

State Farm

$746

$62

Auto-Owners Insurance Co

$756

$63

American National P&C

$776

$65

American National P&C

$801

$67

Nationwide

$809

$67

Allstate

$832

$69

Westfield

$862

$72

State Farm

$871

$73

Erie

$877

$73

Westfield

$919

$77

American National P&C

$958

$80

Allstate

$1,032

$86

Chubb

$1,059

$88

Dairyland

$1,073

$89

Dairyland

$1,176

$98

Westfield

$1,243

$104

GEICO

$1,306

$109

Chubb

$1,313

$109

GEICO

$1,387

$116

Dairyland

$1,402

$117

Progressive

$1,563

$130

Progressive

$1,626

$136

GEICO

$1,718

$143

Chubb

$1,781

$148

Progressive

$2,105

$175

Dairyland

$2,577

$215

Dairyland

$2,916

$243

Dairyland

$3,644

$304

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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The minimum coverage policy in Pennsylvania covers bodily injury liability, property damage liability and medical benefits. Limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
  • $5,000 medical benefits

Coverage limits determine the maximum amount the insurance company will pay in the event of a claim. For example, if you have a minimum coverage policy and cause $15,000 in property damage in an at-fault accident, your insurer will cover $5,000. You will need to pay the remaining $10,000 out of your pocket.

Cheapest Full Coverage Car Insurance in Pittsburgh

The companies with the lowest average rates for full coverage car insurance in Pittsburgh are:

  • Travelers: $564 per year
  • Auto-Owners: $645 per year

The most expensive option in the city is Dairyland, which has an average rate of $2,916 per year for full coverage. Where you live plays a crucial role in determining which companies offer the cheapest policies. Zooming out to look at the state as a whole, Nationwide offers the cheapest full coverage car insurance in Pennsylvania at $580 per year on average as of October 2022.

Company
Annual Premium
Monthly Premium

Erie

$257

$21

Auto-Owners Insurance Co

$258

$22

Auto-Owners Insurance Co

$259

$22

State Farm

$261

$22

Erie

$264

$22

Travelers

$265

$22

Travelers

$268

$22

Travelers

$278

$23

State Farm

$284

$24

Auto-Owners Insurance Co

$292

$24

Westfield

$310

$26

Westfield

$312

$26

Erie

$322

$27

Chubb

$322

$27

Nationwide

$323

$27

State Farm

$330

$28

American National P&C

$337

$28

Nationwide

$358

$30

American National P&C

$360

$30

American National P&C

$381

$32

Chubb

$399

$33

Westfield

$409

$34

Allstate

$409

$34

Allstate

$430

$36

Nationwide

$438

$37

GEICO

$466

$39

GEICO

$472

$39

Progressive

$528

$44

Progressive

$528

$44

Travelers

$536

$45

Allstate

$538

$45

Chubb

$564

$47

Travelers

$564

$47

GEICO

$575

$48

Nationwide

$579

$48

Auto-Owners Insurance Co

$615

$51

Progressive

$621

$52

Travelers

$627

$52

Auto-Owners Insurance Co

$645

$54

Nationwide

$669

$56

State Farm

$678

$57

Erie

$700

$58

Erie

$718

$60

Allstate

$722

$60

State Farm

$746

$62

Auto-Owners Insurance Co

$756

$63

American National P&C

$776

$65

American National P&C

$801

$67

Nationwide

$809

$67

Allstate

$832

$69

Westfield

$862

$72

State Farm

$871

$73

Erie

$877

$73

Westfield

$919

$77

American National P&C

$958

$80

Allstate

$1,032

$86

Chubb

$1,059

$88

Dairyland

$1,073

$89

Dairyland

$1,176

$98

Westfield

$1,243

$104

GEICO

$1,306

$109

Chubb

$1,313

$109

GEICO

$1,387

$116

Dairyland

$1,402

$117

Progressive

$1,563

$130

Progressive

$1,626

$136

GEICO

$1,718

$143

Chubb

$1,781

$148

Progressive

$2,105

$175

Dairyland

$2,577

$215

Dairyland

$2,916

$243

Dairyland

$3,644

$304

A full coverage policy includes comprehensive and collision insurance.

  • Collision insurance: Covers damages incurred from a collision with an object, such as a light pole, tree or fence, or another vehicle. It also covers rollover accidents.
  • Comprehensive insurance: Pays for the repair or replacement of your vehicle after a non-collision incident, including theft, vandalism, animal damage and weather-related incidents.

Full coverage may not be worth it for everyone. For instance, older vehicles tend to have low value. Paying hundreds of dollars more per year for a full coverage policy may not be the best choice.

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Cheapest Car Insurance in Pittsburgh After a Driving Offense

The cheapest car insurance policies after driving violations in Pittsburgh are offered by:

  • Speeding ticket: Auto-Owners ($679 per year)
  • At-fault accident: Travelers ($763 per year)
  • DUI: Travelers ($816 per year)

Dairyland has the most expensive premium after a speeding ticket at $3,646 per year. It’s also the priciest company for drivers who have been in an at-fault accident, averaging $3,997 per year. Meanwhile, Westfield has the highest rate for drivers with a DUI at $3,826 per year on average.

An unfavorable driving record will affect your car insurance rates. Generally, even the most affordable options for a driver with a poor record won’t be nearly as cheap as safe driving rates.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$271

$23

Auto-Owners Insurance Co

$272

$23

Erie

$296

$25

State Farm

$297

$25

State Farm

$297

$25

Erie

$303

$25

Auto-Owners Insurance Co

$308

$26

Westfield

$310

$26

Westfield

$312

$26

Travelers

$316

$26

Travelers

$321

$27

State Farm

$323

$27

State Farm

$323

$27

State Farm

$326

$27

Travelers

$334

$28

Westfield

$339

$28

Westfield

$341

$28

Travelers

$343

$29

Travelers

$348

$29

State Farm

$355

$30

Travelers

$358

$30

Travelers

$362

$30

Travelers

$362

$30

Erie

$369

$31

State Farm

$376

$31

State Farm

$376

$31

Travelers

$377

$31

Erie

$382

$32

Erie

$394

$33

Auto-Owners Insurance Co

$407

$34

Auto-Owners Insurance Co

$407

$34

Westfield

$409

$34

Allstate

$409

$34

Allstate

$409

$34

State Farm

$414

$34

Allstate

$430

$36

Allstate

$430

$36

Westfield

$448

$37

Auto-Owners Insurance Co

$462

$39

Erie

$471

$39

Erie

$480

$40

Nationwide

$484

$40

American National P&C

$486

$41

American National P&C

$486

$41

Erie

$486

$41

Chubb

$511

$43

Chubb

$511

$43

American National P&C

$518

$43

American National P&C

$518

$43

Nationwide

$525

$44

Progressive

$528

$44

Progressive

$528

$44

Allstate

$530

$44

Allstate

$538

$45

Allstate

$538

$45

American National P&C

$549

$46

American National P&C

$549

$46

American National P&C

$552

$46

Allstate

$555

$46

Nationwide

$560

$47

Erie

$588

$49

American National P&C

$589

$49

Progressive

$595

$50

Nationwide

$604

$50

Nationwide

$620

$52

Progressive

$621

$52

American National P&C

$623

$52

Chubb

$634

$53

Chubb

$634

$53

Progressive

$638

$53

Auto-Owners Insurance Co

$647

$54

GEICO

$651

$54

GEICO

$659

$55

Auto-Owners Insurance Co

$679

$57

Travelers

$679

$57

Allstate

$686

$57

Progressive

$689

$57

Nationwide

$704

$59

Travelers

$709

$59

Allstate

$722

$60

Allstate

$722

$60

GEICO

$727

$61

Travelers

$732

$61

Auto-Owners Insurance Co

$751

$63

Auto-Owners Insurance Co

$751

$63

Travelers

$763

$64

GEICO

$764

$64

State Farm

$764

$64

State Farm

$764

$64

GEICO

$765

$64

Chubb

$774

$64

Travelers

$774

$65

Travelers

$793

$66

Auto-Owners Insurance Co

$795

$66

Erie

$803

$67

Progressive

$807

$67

Travelers

$816

$68

Erie

$822

$69

Allstate

$832

$69

Allstate

$832

$69

State Farm

$834

$69

State Farm

$840

$70

State Farm

$840

$70

GEICO

$840

$70

GEICO

$848

$71

Auto-Owners Insurance Co

$851

$71

Travelers

$852

$71

Nationwide

$859

$72

Westfield

$862

$72

Nationwide

$864

$72

Progressive

$876

$73

Chubb

$896

$75

Chubb

$896

$75

Auto-Owners Insurance Co

$905

$75

Travelers

$910

$76

Nationwide

$911

$76

Progressive

$913

$76

State Farm

$916

$76

Westfield

$919

$77

Westfield

$943

$79

Auto-Owners Insurance Co

$945

$79

GEICO

$950

$79

GEICO

$954

$80

Chubb

$959

$80

Allstate

$969

$81

Nationwide

$970

$81

State Farm

$981

$82

State Farm

$981

$82

Nationwide

$999

$83

Erie

$1,005

$84

Westfield

$1,006

$84

Erie

$1,017

$85

Nationwide

$1,029

$86

Allstate

$1,032

$86

Allstate

$1,032

$86

Erie

$1,048

$87

State Farm

$1,070

$89

Dairyland

$1,085

$90

American National P&C

$1,100

$92

American National P&C

$1,100

$92

Auto-Owners Insurance Co

$1,102

$92

Nationwide

$1,111

$93

Allstate

$1,116

$93

American National P&C

$1,127

$94

American National P&C

$1,127

$94

Nationwide

$1,136

$95

Dairyland

$1,189

$99

Erie

$1,234

$103

Westfield

$1,243

$104

American National P&C

$1,243

$104

American National P&C

$1,271

$106

Erie

$1,273

$106

Erie

$1,277

$106

Nationwide

$1,287

$107

American National P&C

$1,349

$112

American National P&C

$1,349

$112

Chubb

$1,356

$113

Westfield

$1,361

$113

Allstate

$1,375

$115

Dairyland

$1,418

$118

Dairyland

$1,499

$125

Dairyland

$1,504

$125

American National P&C

$1,521

$127

Nationwide

$1,533

$128

Erie

$1,544

$129

Progressive

$1,563

$130

Westfield

$1,603

$134

Westfield

$1,606

$134

Progressive

$1,626

$136

Dairyland

$1,635

$136

Auto-Owners Insurance Co

$1,647

$137

Dairyland

$1,658

$138

Nationwide

$1,665

$139

Chubb

$1,683

$140

Chubb

$1,683

$140

Westfield

$1,703

$142

Auto-Owners Insurance Co

$1,713

$143

Dairyland

$1,750

$146

Dairyland

$1,780

$148

Nationwide

$1,872

$156

GEICO

$1,908

$159

GEICO

$1,975

$165

Auto-Owners Insurance Co

$1,993

$166

Progressive

$2,002

$167

Chubb

$2,087

$174

Chubb

$2,087

$174

Progressive

$2,098

$175

Progressive

$2,105

$175

GEICO

$2,197

$183

GEICO

$2,255

$188

GEICO

$2,296

$191

GEICO

$2,446

$204

Progressive

$2,492

$208

Chubb

$2,546

$212

GEICO

$2,585

$215

GEICO

$2,593

$216

Progressive

$2,619

$218

Dairyland

$2,628

$219

Progressive

$2,774

$231

GEICO

$2,815

$235

Chubb

$2,830

$236

Chubb

$2,830

$236

Dairyland

$2,975

$248

Chubb

$3,158

$263

Progressive

$3,165

$264

Dairyland

$3,519

$293

Dairyland

$3,646

$304

Dairyland

$3,720

$310

Westfield

$3,768

$314

Westfield

$3,826

$319

Dairyland

$3,997

$333

Dairyland

$4,070

$339

Westfield

$4,150

$346

Dairyland

$4,240

$353

Chubb

$4,282

$357

Dairyland

$4,549

$379

A driving violation tends to increase auto insurance rates. In many cases (but not all), the more severe the violation, the higher the rates.

For instance, the average cost of full coverage insurance in Pittsburgh for a driver with a speeding ticket is $1,358 per year. The same policy for a driver with a DUI on record is $1,898 per year, which is $540 more.

When looking for cheap car insurance for poor driving records, check quotes from different insurers. This will help you find the best coverage and price.

mglogo icon
MONEYGEEK EXPERT TIP

Regardless of how safe a driver you are, an at-fault accident is possible. To make sure you don't see your policy cost rise after your first at-fault accident, include accident forgiveness on your auto policy in Pittsburgh. Drivers with a clean motor vehicle record who get into an at-fault accident won't see a premium increase if they have this additional coverage. And if you choose to insure your car with certain companies, like GEICO or Progressive, you can earn accident forgiveness at no cost. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Pittsburgh for Teens and Their Families

The cheapest car insurance providers for teens on a family policy in Pittsburgh are:

  • Nationwide: $1,275 per year for male and female teens
  • Travelers: $1,492 per year for male and female teens

The priciest car insurance company for teen drivers in the city is Progressive, with an average annual rate of $4,472.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$637

$1,614

Travelers

$637

$1,614

Travelers

$709

$1,793

Travelers

$709

$1,793

Travelers

$725

$2,046

Travelers

$725

$2,046

Travelers

$745

$1,885

Travelers

$745

$1,885

Nationwide

$757

$2,191

Nationwide

$757

$2,191

Nationwide

$771

$1,571

Nationwide

$771

$1,571

Travelers

$801

$2,260

Travelers

$801

$2,260

Auto-Owners Insurance Co

$844

$1,632

Auto-Owners Insurance Co

$844

$1,632

Nationwide

$890

$1,813

Nationwide

$890

$1,813

Auto-Owners Insurance Co

$898

$2,405

Auto-Owners Insurance Co

$898

$2,405

Nationwide

$902

$2,047

Nationwide

$902

$2,047

Nationwide

$940

$1,913

Nationwide

$940

$1,913

Auto-Owners Insurance Co

$984

$1,903

Auto-Owners Insurance Co

$984

$1,903

Travelers

$992

$3,248

Travelers

$992

$3,248

Travelers

$1,023

$2,885

Travelers

$1,023

$2,885

Auto-Owners Insurance Co

$1,029

$2,272

Auto-Owners Insurance Co

$1,029

$2,272

Nationwide

$1,043

$3,699

Nationwide

$1,043

$3,699

State Farm

$1,072

$1,646

State Farm

$1,072

$1,646

Nationwide

$1,093

$3,163

Nationwide

$1,093

$3,163

Auto-Owners Insurance Co

$1,113

$2,152

Auto-Owners Insurance Co

$1,113

$2,152

Nationwide

$1,145

$5,065

Nationwide

$1,145

$5,065

Travelers

$1,171

$4,006

Travelers

$1,171

$4,006

Allstate

$1,205

$1,636

Allstate

$1,205

$1,636

Allstate

$1,223

$2,203

Allstate

$1,223

$2,203

Auto-Owners Insurance Co

$1,254

$3,935

Auto-Owners Insurance Co

$1,254

$3,935

State Farm

$1,254

$1,925

State Farm

$1,254

$1,925

Nationwide

$1,275

$6,046

Nationwide

$1,275

$6,046

Allstate

$1,276

$1,732

Allstate

$1,276

$1,732

State Farm

$1,292

$2,304

State Farm

$1,292

$2,304

Allstate

$1,307

$1,911

Allstate

$1,307

$1,911

Nationwide

$1,312

$5,802

Nationwide

$1,312

$5,802

Allstate

$1,338

$1,815

Allstate

$1,338

$1,815

State Farm

$1,339

$2,056

State Farm

$1,339

$2,056

Allstate

$1,372

$4,396

Allstate

$1,372

$4,396

Auto-Owners Insurance Co

$1,393

$3,731

Auto-Owners Insurance Co

$1,393

$3,731

Auto-Owners Insurance Co

$1,399

$5,123

Auto-Owners Insurance Co

$1,399

$5,123

State Farm

$1,414

$2,585

State Farm

$1,414

$2,585

Travelers

$1,455

$4,979

Travelers

$1,455

$4,979

Allstate

$1,480

$3,127

Allstate

$1,480

$3,127

Allstate

$1,480

$2,666

Allstate

$1,480

$2,666

Travelers

$1,492

$6,328

Travelers

$1,492

$6,328

Auto-Owners Insurance Co

$1,493

$5,468

Auto-Owners Insurance Co

$1,493

$5,468

Auto-Owners Insurance Co

$1,631

$7,324

Auto-Owners Insurance Co

$1,631

$7,324

State Farm

$1,678

$3,519

State Farm

$1,678

$3,519

State Farm

$1,694

$3,098

State Farm

$1,694

$3,098

State Farm

$1,955

$4,033

State Farm

$1,955

$4,033

Allstate

$1,959

$6,275

Allstate

$1,959

$6,275

Allstate

$2,007

$8,623

Allstate

$2,007

$8,623

State Farm

$2,211

$4,560

State Farm

$2,211

$4,560

State Farm

$2,228

$5,193

State Farm

$2,228

$5,193

GEICO

$2,244

$3,309

GEICO

$2,244

$3,309

GEICO

$2,321

$3,424

GEICO

$2,321

$3,424

GEICO

$2,394

$3,775

GEICO

$2,394

$3,775

GEICO

$2,450

$3,614

GEICO

$2,450

$3,614

GEICO

$2,455

$4,007

GEICO

$2,455

$4,007

Progressive

$2,560

$3,420

Progressive

$2,560

$3,420

GEICO

$2,682

$4,731

GEICO

$2,682

$4,731

GEICO

$2,692

$4,393

GEICO

$2,692

$4,393

Progressive

$3,019

$6,037

Progressive

$3,019

$6,037

Progressive

$3,069

$4,099

Progressive

$3,069

$4,099

GEICO

$3,077

$5,727

GEICO

$3,077

$5,727

Progressive

$3,223

$5,208

Progressive

$3,223

$5,208

Progressive

$3,361

$6,720

Progressive

$3,361

$6,720

Progressive

$3,366

$4,496

Progressive

$3,366

$4,496

Progressive

$3,376

$7,492

Progressive

$3,376

$7,492

GEICO

$3,477

$6,471

GEICO

$3,477

$6,471

GEICO

$3,676

$8,323

GEICO

$3,676

$8,323

Progressive

$3,862

$10,054

Progressive

$3,862

$10,054

Progressive

$4,472

$12,903

Progressive

$4,472

$12,903

Progressive

$4,598

$11,968

Progressive

$4,598

$11,968

Typically, it’s much cheaper to add a teen driver to a family policy than to get them an individual policy. Plus, if a teen is under 18, they cannot legally purchase auto insurance without a parent or guardian as a co-signer.

For instance, the average cost of an individual policy for a teen driver in Pittsburgh is $4,415 per year. Adding a teen driver to a family policy costs an average of $2,393 per year, which is more than $2,022 cheaper.

If you’re looking for cheap auto insurance for teens, it will help to compare premiums from several insurers to find the best rate.

Cheapest Car Insurance in Pittsburgh for Military Drivers

The cheapest car insurance for military members in Pittsburgh is from:

  • Travelers: $564 per year
  • Auto-Owners: $645 per year

USAA is another potential option for drivers with a military background. The company provides services that cater to active-duty military, veterans and qualified family members. The average cost of a USAA policy in Pittsburgh is $872 per year.

GEICO is also a car insurer worth checking out because it offers exclusive discounts to the military community.

If you’re looking for a minimum coverage policy, the most affordable companies are Erie ($257 per year) and Auto-Owners ($259 per year).

Company
Annual Premium
Monthly Premium

Erie

$257

$21

Auto-Owners Insurance Co

$258

$22

Auto-Owners Insurance Co

$259

$22

State Farm

$261

$22

Erie

$264

$22

Travelers

$265

$22

Travelers

$268

$22

Travelers

$278

$23

State Farm

$284

$24

Auto-Owners Insurance Co

$292

$24

Westfield

$310

$26

Westfield

$312

$26

Erie

$322

$27

Chubb

$322

$27

Nationwide

$323

$27

USAA

$324

$27

State Farm

$330

$28

USAA

$331

$28

American National P&C

$337

$28

Nationwide

$358

$30

American National P&C

$360

$30

American National P&C

$381

$32

Chubb

$399

$33

USAA

$404

$34

Westfield

$409

$34

Allstate

$409

$34

Allstate

$430

$36

Nationwide

$438

$37

GEICO

$466

$39

GEICO

$472

$39

Progressive

$528

$44

Progressive

$528

$44

Travelers

$536

$45

Allstate

$538

$45

Chubb

$564

$47

Travelers

$564

$47

GEICO

$575

$48

Nationwide

$579

$48

Auto-Owners Insurance Co

$615

$51

Progressive

$621

$52

Travelers

$627

$52

Auto-Owners Insurance Co

$645

$54

Nationwide

$669

$56

State Farm

$678

$57

Erie

$700

$58

Erie

$718

$60

Allstate

$722

$60

State Farm

$746

$62

Auto-Owners Insurance Co

$756

$63

American National P&C

$776

$65

American National P&C

$801

$67

Nationwide

$809

$67

Allstate

$832

$69

USAA

$842

$70

Westfield

$862

$72

State Farm

$871

$73

USAA

$872

$73

Erie

$877

$73

Westfield

$919

$77

American National P&C

$958

$80

Allstate

$1,032

$86

Chubb

$1,059

$88

Dairyland

$1,073

$89

USAA

$1,146

$96

Dairyland

$1,176

$98

Westfield

$1,243

$104

GEICO

$1,306

$109

Chubb

$1,313

$109

GEICO

$1,387

$116

Dairyland

$1,402

$117

Progressive

$1,563

$130

Progressive

$1,626

$136

GEICO

$1,718

$143

Chubb

$1,781

$148

Progressive

$2,105

$175

Dairyland

$2,577

$215

Dairyland

$2,916

$243

Dairyland

$3,644

$304

How to Compare Cheap Pittsburgh Car Insurance Quotes Online

You can get a car insurance quote online in Pittsburgh. This could take approximately 15 minutes or more because you need to provide a lot of personal information.

Use MoneyGeek’s car insurance calculator to get a quick estimate based on your age, vehicle type, coverage level and driving record.

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See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Cheapest Car Insurance in Pittsburgh for Young Adults

The cheapest car insurance for young adults in Pittsburgh is offered by:

  • Travelers: $627 per year
  • Auto-Owners: $756 per year

Dairyland has an average rate of $3,644 per year, making it the most expensive car insurance provider for young drivers in the city.

On average, a 40-year-old adult spends $1,093 per year on car insurance. Young adults tend to have higher rates. The average annual cost of auto insurance for a 25-year-old in Pittsburgh is $1,368.

Company
Annual Premium
Monthly Premium

Erie

$257

$21

Auto-Owners Insurance Co

$258

$22

Auto-Owners Insurance Co

$259

$22

State Farm

$261

$22

Erie

$264

$22

Travelers

$265

$22

Travelers

$268

$22

Travelers

$278

$23

State Farm

$284

$24

Auto-Owners Insurance Co

$292

$24

Westfield

$310

$26

Westfield

$312

$26

Erie

$322

$27

Chubb

$322

$27

Nationwide

$323

$27

State Farm

$330

$28

American National P&C

$337

$28

Nationwide

$358

$30

American National P&C

$360

$30

American National P&C

$381

$32

Chubb

$399

$33

Westfield

$409

$34

Allstate

$409

$34

Allstate

$430

$36

Nationwide

$438

$37

GEICO

$466

$39

GEICO

$472

$39

Progressive

$528

$44

Progressive

$528

$44

Travelers

$536

$45

Allstate

$538

$45

Chubb

$564

$47

Travelers

$564

$47

GEICO

$575

$48

Nationwide

$579

$48

Auto-Owners Insurance Co

$615

$51

Progressive

$621

$52

Travelers

$627

$52

Auto-Owners Insurance Co

$645

$54

Nationwide

$669

$56

State Farm

$678

$57

Erie

$700

$58

Erie

$718

$60

Allstate

$722

$60

State Farm

$746

$62

Auto-Owners Insurance Co

$756

$63

American National P&C

$776

$65

American National P&C

$801

$67

Nationwide

$809

$67

Allstate

$832

$69

Westfield

$862

$72

State Farm

$871

$73

Erie

$877

$73

Westfield

$919

$77

American National P&C

$958

$80

Allstate

$1,032

$86

Chubb

$1,059

$88

Dairyland

$1,073

$89

Dairyland

$1,176

$98

Westfield

$1,243

$104

GEICO

$1,306

$109

Chubb

$1,313

$109

GEICO

$1,387

$116

Dairyland

$1,402

$117

Progressive

$1,563

$130

Progressive

$1,626

$136

GEICO

$1,718

$143

Chubb

$1,781

$148

Progressive

$2,105

$175

Dairyland

$2,577

$215

Dairyland

$2,916

$243

Dairyland

$3,644

$304

Cheapest Car Insurance in Pittsburgh for Seniors

The top providers offering cheap car insurance for seniors in Pittsburgh are:

  • Travelers: $536 per year
  • Nationwide: $579 per year

Dairyland is the most expensive provider for seniors. It has an average rate of $2,577 per year.

While uncommon, MoneyGeek found Pittsburgh's senior drivers tend to have cheaper annual premiums. A 65-year-old driver pays an average of $999 per year for a full coverage policy, while a 40-year-old spends $1,093 per year on average. However, rates tend to increase as seniors age into their 70s and 80s.

Company
Annual Premium
Monthly Premium

Erie

$257

$21

Auto-Owners Insurance Co

$258

$22

Auto-Owners Insurance Co

$259

$22

State Farm

$261

$22

Erie

$264

$22

Travelers

$265

$22

Travelers

$268

$22

Travelers

$278

$23

State Farm

$284

$24

Auto-Owners Insurance Co

$292

$24

Westfield

$310

$26

Westfield

$312

$26

Erie

$322

$27

Chubb

$322

$27

Nationwide

$323

$27

State Farm

$330

$28

American National P&C

$337

$28

Nationwide

$358

$30

American National P&C

$360

$30

American National P&C

$381

$32

Chubb

$399

$33

Westfield

$409

$34

Allstate

$409

$34

Allstate

$430

$36

Nationwide

$438

$37

GEICO

$466

$39

GEICO

$472

$39

Progressive

$528

$44

Progressive

$528

$44

Travelers

$536

$45

Allstate

$538

$45

Chubb

$564

$47

Travelers

$564

$47

GEICO

$575

$48

Nationwide

$579

$48

Auto-Owners Insurance Co

$615

$51

Progressive

$621

$52

Travelers

$627

$52

Auto-Owners Insurance Co

$645

$54

Nationwide

$669

$56

State Farm

$678

$57

Erie

$700

$58

Erie

$718

$60

Allstate

$722

$60

State Farm

$746

$62

Auto-Owners Insurance Co

$756

$63

American National P&C

$776

$65

American National P&C

$801

$67

Nationwide

$809

$67

Allstate

$832

$69

Westfield

$862

$72

State Farm

$871

$73

Erie

$877

$73

Westfield

$919

$77

American National P&C

$958

$80

Allstate

$1,032

$86

Chubb

$1,059

$88

Dairyland

$1,073

$89

Dairyland

$1,176

$98

Westfield

$1,243

$104

GEICO

$1,306

$109

Chubb

$1,313

$109

GEICO

$1,387

$116

Dairyland

$1,402

$117

Progressive

$1,563

$130

Progressive

$1,626

$136

GEICO

$1,718

$143

Chubb

$1,781

$148

Progressive

$2,105

$175

Dairyland

$2,577

$215

Dairyland

$2,916

$243

Dairyland

$3,644

$304

Cheapest Car Insurance in Pittsburgh for Poor Credit

The top companies offering the cheapest car insurance for drivers with poor credit in Pittsburgh are:

  • Nationwide: $890 per year
  • Auto-Owners: $1,012 per year

The most expensive company for a driver with a bad credit score is Dairyland, which has an average annual rate of $3,821.

Auto insurance companies consider credit-based insurance scores when calculating premiums. Having a bad credit score can increase your rates. For instance, the average cost of a full coverage policy for Pittsburgh drivers with good credit is $1,093 per year. The average annual premium for a driver with bad credit is $1,835, which is 68% or $742 more.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$404

$34

Auto-Owners Insurance Co

$405

$34

Nationwide

$426

$36

Auto-Owners Insurance Co

$458

$38

Nationwide

$475

$40

Chubb

$511

$43

American National P&C

$537

$45

Erie

$563

$47

American National P&C

$572

$48

Nationwide

$575

$48

Erie

$578

$48

State Farm

$590

$49

American National P&C

$605

$50

Westfield

$611

$51

Westfield

$612

$51

Chubb

$634

$53

State Farm

$642

$54

Travelers

$657

$55

Travelers

$661

$55

Travelers

$694

$58

Erie

$706

$59

Allstate

$717

$60

State Farm

$749

$62

Allstate

$756

$63

GEICO

$766

$64

Nationwide

$769

$64

GEICO

$778

$65

Westfield

$799

$67

Progressive

$840

$70

Progressive

$847

$71

Nationwide

$890

$74

Chubb

$896

$75

GEICO

$914

$76

Allstate

$949

$79

Auto-Owners Insurance Co

$964

$80

Progressive

$976

$81

Auto-Owners Insurance Co

$1,012

$84

Nationwide

$1,072

$89

Auto-Owners Insurance Co

$1,186

$99

Allstate

$1,230

$103

American National P&C

$1,233

$103

American National P&C

$1,276

$106

Dairyland

$1,398

$117

Travelers

$1,406

$117

Allstate

$1,411

$118

Travelers

$1,499

$125

American National P&C

$1,523

$127

State Farm

$1,524

$127

Dairyland

$1,536

$128

Westfield

$1,572

$131

Erie

$1,601

$133

Erie

$1,643

$137

Travelers

$1,664

$139

Westfield

$1,672

$139

State Farm

$1,677

$140

Chubb

$1,683

$140

Allstate

$1,755

$146

Dairyland

$1,827

$152

State Farm

$1,956

$163

Erie

$2,009

$167

Chubb

$2,087

$174

GEICO

$2,199

$183

Westfield

$2,250

$188

GEICO

$2,337

$195

Progressive

$2,632

$219

Progressive

$2,737

$228

Chubb

$2,830

$236

GEICO

$2,868

$239

Dairyland

$3,366

$280

Progressive

$3,546

$296

Dairyland

$3,821

$318

Dairyland

$4,768

$397

Insurance providers deem individuals with lower credit scores as riskier to insure. That’s because they’re more likely to submit claims, leading to higher rates.

If you have poor credit, you can lower your insurance premium by looking for discounts, bundling with homeowners or renters insurance, comparing quotes or improving your credit score over time.

Cheapest Car Insurance in Pittsburgh for Sports Cars

Pittsburgh drivers can find the cheapest auto insurance for sports cars from:

  • Travelers: $516 per year
  • Auto-Owners: $705 per year

Dairyland, which has an average annual premium of $2,913, is the priciest company in the city for sports car insurance.

Typically, it costs more to insure a sports car than other types of vehicles. For instance, the average cost of a full coverage policy for a Toyota Camry is $1,093. A similar policy costs an average of $1,308 per year for a Ford Mustang. That’s about 20% more or a $215 difference per year.

Rates may vary by location, so sports car rates may not be more expensive in some cities.

Company
Annual Premium
Monthly Premium

Travelers

$222

$19

Travelers

$225

$19

Travelers

$232

$19

Auto-Owners Insurance Co

$269

$22

Auto-Owners Insurance Co

$269

$22

State Farm

$277

$23

Nationwide

$301

$25

State Farm

$301

$25

Auto-Owners Insurance Co

$305

$25

Nationwide

$331

$28

Chubb

$349

$29

State Farm

$351

$29

Allstate

$355

$30

GEICO

$369

$31

GEICO

$371

$31

Allstate

$374

$31

Nationwide

$413

$34

Chubb

$432

$36

GEICO

$451

$38

Allstate

$475

$40

Progressive

$479

$40

Travelers

$485

$40

Progressive

$503

$42

Travelers

$516

$43

Travelers

$575

$48

Progressive

$594

$49

Chubb

$615

$51

Auto-Owners Insurance Co

$671

$56

Nationwide

$680

$57

Auto-Owners Insurance Co

$705

$59

Allstate

$722

$60

Nationwide

$789

$66

Auto-Owners Insurance Co

$827

$69

State Farm

$848

$71

Allstate

$849

$71

State Farm

$932

$78

Nationwide

$960

$80

Dairyland

$1,001

$83

Allstate

$1,058

$88

State Farm

$1,089

$91

Dairyland

$1,093

$91

GEICO

$1,170

$98

GEICO

$1,247

$104

Chubb

$1,279

$107

Dairyland

$1,307

$109

GEICO

$1,540

$128

Chubb

$1,585

$132

Progressive

$1,893

$158

Chubb

$2,151

$179

Progressive

$2,236

$186

Dairyland

$2,566

$214

Dairyland

$2,913

$243

Progressive

$2,972

$248

Dairyland

$3,652

$304

The representative sports car for this analysis is a Ford Mustang, but insurance prices can change by model. In most cases, the most expensive vehicle types to insure are electric vehicles, luxury autos and sports cars.

Average Cost of Car Insurance in Pittsburgh

For average Pittsburgh drivers, the cost of full coverage insurance is $1,093 per year. This is based on a policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Insurance for Pittsburgh drivers is roughly $325 cheaper than the average cost of car insurance in Pennsylvania. However, the state’s average is $153 more expensive than the national average car insurance cost. Location is just one of many factors affecting the cost of car insurance.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Allentown

$1,073

$437

Pittsburgh

$1,093

$423

Philadelphia

$1,868

$772

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.