Cheapest Car Insurance Companies in Pittsburgh, PA (2023 Rates)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.