Best Auto Insurance Rates in Pittsburgh, Pennsylvania

On average, your neighbors pay $73 a month.

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Compare Auto Insurance in Pittsburgh

Monday, June 4 2018 By Jennifer Cramer

Pittsburgh is nicknamed “Steel City” because of its pivotal role in the history of the US steel industry. In 1901, famed businessman Andrew Carnegie formed US Steel in Pittsburgh. That same year, the world’s first movie theater opened in Pittsburgh. Within ten years, Pittsburgh was the eighth-largest city in the country, and produced about half the nation’s steel.

In modern times, Pittsburgh has 68 universities, 446 bridges, and 8 Fortune 500 Companies, not to mention three national championship-winning sports teams.

Average Pittsburgh Car Insurance Rates

How much is car insurance in Pittsburgh, PA? If you drive here in the city, you know how much insurance can cost. Pittsburgh has much higher crime rates than national averages. That's why insurance rates in Pittsburgh are so much higher than the national and state average. The average cost of auto insurance in Pennsylvania is $878.18 per year. The national annual average price is $889.01.

How much you pay will depend on several factors including your driving record and the number of claims filed in your zip code.

Pennsylvania Average Annual Car Insurance Rates
Coverage Rates
Liability $499.06
Collision $327.24
Comprehensive $144.21
Total Cost Per Year $878.18
Price Per Month $73.18
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Pennsylvania insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Pennsylvania car insurance rates increased from $812 in 2011 to $878 in 2015, a jump of $65, or 8.05 percent.

Pennsylvania average car insurance rates

QuoteWizard helps consumers compare quotes from both national companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Pittsburgh, Pennsylvania and save up to 40% on your premium.

Last year, 10,078 people used QuoteWizard to get a car insurance quote comparison in Pittsburgh, PA from multiple companies and find the cheapest rates.

Best Car Insurance Companies in Pittsburgh, PA

These are the most common car insurance companies reported by QuoteWizard users living in Pittsburgh, PA last year. Out of the 10,078 people in Pittsburgh that used QuoteWizard, 457 were uninsured.

  1. Progressive
  2. GEICO
  3. State Farm
  4. Allstate
  5. Nationwide
  6. Liberty Mutual
  7. Farmers
  8. AAA
  9. Erie
  10. Esurance
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles in Pittsburgh

This is our list of the most common car makes and models owned by Pittsburgh drivers who requested quotes through QuoteWizard last year.

  1. Ford F-150
  2. Chevrolet Malibu LS
  3. Honda Accord EX/LX
  4. Chevrolet Cavalier
  5. Ford Taurus SE
  6. Chevrolet Impala
  7. Chevrolet Blazer
  8. Honda CR-V EX
  9. Jeep Grand Cherokee Laredo
  10. Dodge Caravan
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Pittsburgh, PA

Pittsburgh, Pennsylvania has a minimum liability coverage requirement known as the 15/30/5 rule. This rule says that each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The most your insurer will pay for property damage caused by a car accident.
  • Medical Payments: $5,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident regardless of who is at fault.

Pittsburgh Drivers

Pittsburgh ranks 175th out of 200 cities in Allstate’s annual “Best and Worst Cities for Drivers” report. Most US drivers go ten years between accidents. Drivers here are involved in one every 7.1 years. A rate much higher than the national average.

Pittsburgh drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Weather and road conditions can have an impact on car insurance rates.

Weather

The climate in Pittsburgh is in between a humid subtropical and humid continental climate. Summers are hot and humid. Winters are cold with a few snowy days. Spring and fall can be very nice with mild temperatures and a few rainy days. On average, Pittsburgh has 151 rainy days and about 40 snowy days each year. Pittsburgh is one of the cloudiest major cities, as well as one of the cities with the most days of measurable precipitation. This is a factor in Pittsburgh’s poor showing in the “Best and Worst Cities for Drivers” report above.

Road Conditions

As residents probably know, Pittsburgh’s roads are in bad shape. TRIP reports that 25 percent of Pittsburgh's major roads are in poor condition. Another 22 percent are mediocre. These poorly maintained, pothole-filled streets costs drivers $495 a year in extra vehicle operating costs. Rough roads can damage cars and can play a role in car accidents.

Traffic Congestion

TomTom ranks Pittsburgh 146th for worst traffic congestion in the world. An average commuter spends 21 minutes a day stuck in traffic. This adds up to 81 minutes a year.

Moving Violations

Moving violations like at-fault accidents, speeding, and drunk driving will give you a bad driving record and require you to purchase high-risk car insurance.

Traffic Tickets

It's not easy, but fighting traffic tickets may be well worth your while. Even if you can't get the ticket dismissed, you may be able to have the charges lowered. If nothing else, fight the number of points assessed to your driver's license because of a moving violation. These points are what insurers look at when determining your insurance rates. If you want to keep your insurance rates low, you want to keep these points off your driver's license.

The Pittsburgh Courts website allows you to plead guilty and pay your citation, plead not guilty and request a hearing, make installment payments, and find valuable traffic court information.

Pittsburgh Police made 32,278 traffic stops in 2012. A 1.7 percent increase from the 31,724 traffic stops made in 2011.

DUI Arrests

Pittsburgh reported 4,331 arrests in 2014 for driving under the influence (DUI). This number includes all driver arrests, both alcohol-related and those impaired by other substances.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Pittsburgh DUI insurance.

Texting Violations

The state of Pennsylvania does not prohibit the use of cell phones by drivers on its roadways, but a new law went into effect in 2012 making it illegal to send and receive emails or text messages while operating a motor vehicle. Between March 2012 and February 2013, 108 citations were given out in Pittsburgh for texting while driving. In the year following, from March 2013 to February 2014, that number increased almost 20%, to 126 texting citations.

Car Accident Fatalities

Pittsburgh reported 22 car accident fatalities in 2013, a rate of 1.31 deaths per 100,000 people.

All traffic deaths are a tragic loss, and considering Pittsburgh's estimated population of 303,625, this is one of the nation's safer cities in terms of traffic fatalities.

Vehicle Theft Rates

Pittsburgh reported 609 vehicle thefts in 2016. This is a rate of 2.0 thefts per 1,000 residents. This is close to US average of 2.20 car thefts per 1,000 people.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? These are some of the many auto insurance discounts available in Pittsburgh, PA. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling your cars and insurance policies together could save you as much as 15%
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  4. Safe driver. If you have a perfect driving record, you may qualify for the accident free discount.
  5. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  6. Maintain at least a B grade point average ion school to qualify for the good student discount
  7. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  8. Get a new car to qualify for the new car discount. If the car has advanced safety features and anti-theft devices and an alarm system you could qualify for additional insurance discounts
  9. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  10. Shop around and compare cheap auto insurance quotes in Pittsburgh, PA and discover every discount you've been missing out on

Sources:

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